M-PESA · Send money
That fee covers the whole band from KSh 50 to KSh 100, and already includes the 20% excise duty. To M-PESA users, Pochi la Biashara, Business Till to Customer, Airtel Money and T-Kash.
At KSh 101 the fee jumps from KSh 0 to KSh 7. You have KSh 0 of headroom before that.
The fee shown on your M-PESA confirmation screen is the final charge. Safaricom can revise tariffs after notice, and did so for merchant tariffs on 7 August 2026 — if the screen differs from this figure, cancel and check.
Source: Safaricom M-PESA rate calculator · 12 September 2026
All M-PESA charges