M-Pesa has revolutionized how Kenyans transact, and one of its most powerful tools for businesses and organizations is the M-Pesa Paybill Number. Whether you run a small business, a large enterprise, a charity, or even a church, using a Paybill makes payment collection fast, secure, and professional.
In this guide, we’ll cover everything you need to know about M-Pesa Paybill Numbers — how to apply, how to search for a Paybill, associated charges, and common FAQs. This is your go-to resource if you’re planning to apply for one or want to better understand how it works.
What Is an M-Pesa Paybill Number?
An M-Pesa Paybill Number is a unique numeric code issued by Safaricom that allows businesses, organizations, and individuals to collect money directly into a business bank account or M-Pesa wallet.
Unlike Till numbers (Lipa na Mpesa Buy Goods), Paybill is best suited for receiving payments tied to a specific account or reference — e.g., account number, customer ID, invoice number, etc.
Benefits of Using an M-Pesa Paybill Number
- ✅ Secure Payments – Funds are deposited directly into your M-Pesa or bank account.
- ✅ Professionalism – Your business appears more credible.
- ✅ Instant Notifications – Get real-time alerts on payments.
- ✅ Trackable Transactions – Easy reconciliation and reporting.
- ✅ Nationwide Access – Anyone in Kenya can pay you via their M-Pesa wallet.
Types of M-Pesa Paybill Numbers
- Short-Term Paybill (Temporary)
Ideal for fundraisers, events, or campaigns. It usually lasts between 1–6 months. - Permanent Paybill
Suitable for ongoing businesses and organizations. Linked to your bank account or M-Pesa business line.
How to Apply for an M-Pesa Paybill Number
1. Determine Eligibility
You must have:
- A registered business name or certificate (Business Name, Company, NGO, SACCO, etc.)
- A bank account (for bank settlement)
- KRA PIN for the business
- ID/Passport copies for directors or sole proprietors
2. Choose Type of Account
- For Bank Settlement – Funds go directly to your bank.
- For M-Pesa Wallet Settlement – Funds stay in your business M-Pesa wallet.
3. Application Process
Step-by-Step Online Application:
- Visit Safaricom’s M-Pesa Paybill Portal
- Choose the type of business (Individual, SME, NGO, Corporate)
- Fill in the required business details
- Upload documents:
- Certificate of registration/incorporation
- KRA PIN
- ID copies
- CR12 or business ownership proof
- Bank confirmation letter
- Submit the application
You’ll receive a confirmation within 3–7 working days.
Alternative: You can also apply via a Safaricom Shop with physical copies of your documents.
How to Search for an M-Pesa Paybill Number
If you need to verify or search for a Paybill Number, use one of the following:
1. M-Pesa App or STK
- Go to Lipa na Mpesa
- Choose Paybill
- Enter business number
- If it’s invalid, you’ll receive an error
2. Online Paybill Search Tools
- Use services like M-Pesa Paybill Directory
- Enter the business name or Paybill to check details
3. Safaricom Customer Care
Dial 100 (Prepaid) or 200 (Postpaid) and ask for Paybill verification
M-Pesa Paybill Charges in 2025
M-Pesa Paybill charges depend on:
- The amount transacted
- Who absorbs the transaction cost (you or the customer)
Here’s a simplified overview (based on 2025 updates):
| Transaction Amount | Customer Charge (KES) |
|---|---|
| 1 – 100 | Free |
| 101 – 500 | 5 |
| 501 – 1,000 | 10 |
| 1,001 – 1,500 | 15 |
| 1,501 – 2,500 | 20 |
| 2,501 – 3,500 | 25 |
| 3,501 – 5,000 | 33 |
| 5,001 – 7,500 | 40 |
| 7,501 – 10,000 | 48 |
| 10,001 – 20,000 | 55 |
| 20,001 – 150,000 | 61 |
⚠️ Charges may vary depending on whether you use Business to Customer (B2C) or Customer to Business (C2B) models. Check with Safaricom Business for updated pricing.
How to Withdraw Money from Paybill
- Bank Settlement: Money is automatically settled into your bank account daily (or as agreed).
- M-Pesa Wallet: Log in to your business line or use the M-PESA for Business App to transfer to a bank or withdraw.
Common FAQs about M-Pesa Paybill Numbers
1. Can I get a Paybill as an individual?
Yes, but only for specific use cases like fundraisers, school fees collection, or events. You still need to submit identification and provide a valid reason.
2. What’s the difference between a Till Number and a Paybill?
- Till Number (Buy Goods) is used mostly for retail.
- Paybill Number is for collecting payments with account details, like utility bills, school fees, or subscriptions.
3. How long does it take to get a Paybill Number?
Usually between 3 to 7 working days once all documents are in order.
4. Can I have more than one Paybill?
Yes, especially if you run different entities or departments under one company.
5. How can customers pay via my Paybill?
- Go to Mpesa Menu > Lipa na Mpesa > Paybill
- Enter your Paybill number
- Enter the Account Number (e.g., invoice number)
- Enter the amount and confirm
Final Thoughts
An M-Pesa Paybill Number is a must-have for any serious business in Kenya. It not only streamlines payments but also builds trust with your customers. Whether you’re running a school, an online store, or a local service, applying for and using a Paybill can transform your operations.
Want to grow your business using M-Pesa? Start by getting your Paybill today!
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