Use our M-Pesa Buy Goods Charges Calculator to quickly estimate the merchant fee charged when customers pay using a Lipa na M-Pesa Till Number.
Buy Goods Charges Calculator
Customers pay zero fees when using Buy Goods
The current fee structure is:
| Transaction Amount | Merchant Fee |
|---|---|
| KSh 0 – 200 | FREE |
| Above KSh 200 | ~0.5% of the amount |
| Maximum fee | KSh 200 |
This means even if a customer pays KSh 100,000, the maximum fee charged will still be KSh 200.
Also see: M-Pesa Paybill Charges Calculator
M-Pesa Till Charges
| Transaction | Fee | Merchant Receives |
|---|---|---|
| KSh 100 | KSh 0 | KSh 100 |
| KSh 1,000 | KSh 5 | KSh 995 |
| KSh 10,000 | KSh 50 | KSh 9,950 |
| KSh 50,000 | KSh 200 (cap) | KSh 49,800 |
| KSh 100,000 | KSh 200 (cap) | KSh 99,800 |
Because of the KSh 200 cap, large transactions become cheaper percentage-wise for businesses.
Important
M-Pesa Buy Goods (Till Number) payments have become one of the most widely used digital payment methods in Kenya. The simple pricing structure—free for customers and capped merchant fees—makes it a convenient option for both buyers and businesses.
Use the M-Pesa Buy Goods Charges Calculator above whenever you want to quickly estimate transaction fees and understand how much your business will receive from a payment.
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