Easily check your M-PESA agent commissions for cash deposits and withdrawals. Instantly look up updated rates for all transaction limits up to KES 250,000.
Agent Commission Calculator
Safaricom has introduced a fresh update to the M-PESA Agent Commission structure to boost operator earnings on large cash volumes. This update significantly changes the higher transaction bands, offering much larger payouts for deposits and withdrawals ranging from KES 70,001 up to KES 250,000. These adjustments help reward operators for the increased float requirements and security considerations tied to processing large amounts.
How To Check M-Pesa Agent Commission
Our M-PESA Agent Commission Calculator removes all the guesswork. Simply pick the transaction type, input the cash amount, and instantly see the correct commission that goes into your agent ledger.
M-PESA Agent Commission Table
The image table below gives you a clear look at the complete breakdown of standard commissions earned per transaction across all customer payment ranges.
Key Takeaways & Summary
- Withdrawals Pay Higher: M-PESA agents earn significantly more commission handling cash withdrawals than cash deposits. For instance, withdrawing KES 5,000 nets an agent KES 92 after tax, while depositing the same amount nets only KES 30.40.
- Tax Implications: All listed earnings are subject to a standard 20% Withholding Tax required by the Kenya Revenue Authority (KRA), automatically calculated and remitted from your monthly statement.
- The Store Split: The figures above show the absolute payout distributed to the agent lines. If you operate as a "Sub-Agent" under a "Principal Dealer", your final monthly earnings will depend on your specific contract agreement split (often ranging from an 80/20 to a 70/30 split in favor of the sub-agent).
- Transaction Caps: The legal transaction cap per single event is KES 250,000, with a maximum daily account limit of KES 500,000.
FAQs
Why do I earn more from customer withdrawals than deposits?
Safaricom designs the system to reward liquid cash processing. Withdrawals require the agent to hold substantial physical cash configurations inside the shop (increased security risk), which commands a premium payment structure compared to accepting deposits.
What documents do I need to process an agent transaction?
To lawfully complete cash deposits and withdrawals, you must request and verify the customer's valid identity documentation. Acceptable documents include a National ID card, Kenyan Passport, Military ID, or an official Foreigner Certificate.
How is the commission shared between a Principal Agent and a Sub-Agent?
Safaricom distributes total monthly earnings directly to the Principal Dealer. The principal then splits this payout with their hosted sub-agents according to their private business registration agreement, usually settled at the beginning of every consecutive calendar month.
Related Calculator Tools:
M-Pesa Withdrawal Charges Calculator
M-Pesa Send Money Charges Calculator