<h2>Lipa na M-Pesa Buy Goods (Till Number) Charges For Customers Making Payments</h2>
<h4>Standard Till Number Payments</h4>
<p><strong>General Rule:</strong> Customer payments of KSh 200 and below have no charges. Generally, customers incur no fees when making payments using Lipa na M-Pesa Buy Goods, with the notable exception of payments made at fuel stations, where specific charges may apply.</p>
<p><strong>Customer Charges:</strong></p>
<ul>
<li><strong>KSh 1 - 200</strong>: <strong>FREE</strong> (No charges to customer)</li>
<li><strong>Above KSh 200</strong>: <strong>FREE</strong> (except at fuel stations)</li>
<li><strong>Fuel Stations</strong>: Specific charges may apply (varies by station)</li>
</ul>
<h4>Fuel Station Exception</h4>
<p><strong>Special Fuel Station Charges:</strong> All M-Pesa to Till Number transactions are free for the customer except for Till Numbers at Petrol Stations. There are customer charges for payments made using Lipa na M-PESA Buy Goods at fuel stations.</p>
<p><strong>Why Fuel Stations Are Different:</strong></p>
<ul>
<li>Special regulatory considerations</li>
<li>Higher transaction processing costs</li>
<li>Industry-specific agreements with Safaricom</li>
<li>Charges vary by individual fuel station</li>
</ul>
<p><strong>Checking Fuel Station Charges:</strong></p>
<ul>
<li>Ask at the fuel station before payment</li>
<li>Test with small amount first</li>
<li>Check SMS confirmation for actual charges</li>
<li>Contact customer care for clarification</li>
</ul>
<p>&nbsp;</p>
<h3>Charge Examples:</h3>
<table>
<thead>
<tr>
<th>Transaction Amount</th>
<th>Collection Fee</th>
<th>Customer Receives</th>
</tr>
</thead>
<tbody>
<tr>
<td>KSh 100</td>
<td>FREE</td>
<td>KSh 100</td>
</tr>
<tr>
<td>KSh 200</td>
<td>FREE</td>
<td>KSh 200</td>
</tr>
<tr>
<td>KSh 500</td>
<td>KSh 2.75</td>
<td>KSh 497.25</td>
</tr>
<tr>
<td>KSh 1,000</td>
<td>KSh 5.50</td>
<td>KSh 994.50</td>
</tr>
<tr>
<td>KSh 5,000</td>
<td>KSh 27.50</td>
<td>KSh 4,972.50</td>
</tr>
<tr>
<td>KSh 10,000</td>
<td>KSh 55.00</td>
<td>KSh 9,945.00</td>
</tr>
<tr>
<td>KSh 20,000</td>
<td>KSh 110.00</td>
<td>KSh 19,890.00</td>
</tr>
<tr>
<td>KSh 36,364+</td>
<td>KSh 200.00</td>
<td>Amount - 200</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<h2>Lipa na M-Pesa Buy Goods (Till Number) Charges&nbsp;For Businesses Receiving Payments</h2>
<h4>Business Till Charges</h4>
<p><strong>Standard Business Charges:</strong> Businesses receiving payments via a Buy Goods Till are charged a maximum of 0.55% of the transaction amount, capped at KSh 200 per transaction.</p>
<p><strong>Detailed Business Charge Structure:</strong></p>
<ul>
<li><strong>Collections KSh 200 and below</strong>: <strong>FREE</strong></li>
<li><strong>Collections above KSh 200</strong>: <strong>0.55% of transaction amount</strong></li>
<li><strong>Maximum charge per transaction</strong>: <strong>KSh 200</strong></li>
<li><strong>Break-even point</strong>: KSh 36,364 (0.55% = KSh 200)</li>
</ul>
<h3>Fuel Station Customer Charges (2025):</h3>
<table>
<thead>
<tr>
<th>Amount Range</th>
<th>Customer Fee</th>
</tr>
</thead>
<tbody>
<tr>
<td>KSh 1 - 100</td>
<td>FREE</td>
</tr>
<tr>
<td>KSh 101 - 500</td>
<td>KSh 7</td>
</tr>
<tr>
<td>KSh 501 - 1,000</td>
<td>KSh 13</td>
</tr>
<tr>
<td>KSh 1,001 - 1,500</td>
<td>KSh 23</td>
</tr>
<tr>
<td>KSh 1,501 - 2,500</td>
<td>KSh 33</td>
</tr>
<tr>
<td>KSh 2,501 - 3,500</td>
<td>KSh 52</td>
</tr>
<tr>
<td>KSh 3,501 - 5,000</td>
<td>KSh 69</td>
</tr>
<tr>
<td>KSh 5,001 - 7,500</td>
<td>KSh 87</td>
</tr>
<tr>
<td>KSh 7,501 - 10,000</td>
<td>KSh 95</td>
</tr>
<tr>
<td>Above KSh 10,000</td>
<td>KSh 108</td>
</tr>
</tbody>
</table>
<p>&nbsp;</p>
<h2>Lipa na M-Pesa Buy Goods (Till Number) Charges for Outgoing Transactions from Till</h2>
<p>When businesses make payments from their Buy Goods Till, different charges apply based on the destination:</p>
<p><strong>Pay to Other Business Tills (Buy Goods):</strong></p>
<ul>
<li><strong>Rate</strong>: 0.27% of transaction value</li>
<li><strong>Cap</strong>: Maximum KSh 200 per transaction</li>
<li><strong>Use Case</strong>: Paying suppliers, business partners, or other merchants</li>
</ul>
<p><strong>Pay to Mobile Numbers (Send Money):</strong></p>
<ul>
<li><strong>Rate</strong>: Standard M-Pesa send money charges apply</li>
<li><strong>Purpose</strong>: Staff payments, customer refunds, personal withdrawals</li>
<li><strong>Charges</strong>: Same as personal M-Pesa send money rates</li>
</ul>
<p><strong>Pay to Paybills:</strong></p>
<ul>
<li><strong>Rate</strong>: Varies by receiving organization's tariff</li>
<li><strong>Common Usage</strong>: Utility payments, government payments, loan repayments</li>
<li><strong>Structure</strong>: Each paybill sets its own customer charge structure</li>
</ul>
<h3>Withdrawal Charges</h3>
<p><strong>Agent Withdrawals:</strong></p>
<ul>
<li><strong>Rate</strong>: Standard M-Pesa agent withdrawal charges</li>
<li><strong>Range</strong>: KSh 11 to KSh 309 depending on amount</li>
<li><strong>Frequency</strong>: Per withdrawal transaction</li>
<li><strong>Locations</strong>: Any authorized M-Pesa agent</li>
</ul>
<p><strong>Bank Withdrawals (RTS):</strong></p>
<ul>
<li><strong>M-Pesa Fee</strong>: 0.27% capped at KSh 200</li>
<li><strong>Bank Fee</strong>: Varies by receiving bank (often free for business accounts)</li>
<li><strong>Speed</strong>: Real-time settlement</li>
<li><strong>Availability</strong>: 17+ partner banks</li>
</ul>
<p><strong>ATM Withdrawals:</strong></p>
<ul>
<li><strong>Fee</strong>: Standard ATM charges (KSh 33-45)</li>
<li><strong>Limit</strong>: KSh 35,000 per day</li>
<li><strong>Access</strong>: Limited ATM network with M-Pesa integration</li>
</ul>

Understanding the charges for Lipa na M-Pesa is key for both businesses and customers. Get a clear breakdown of the transaction fees for Buy Goods (Till Number) payments and find out how much it costs to pay.

Lipa na M-Pesa Buy Goods (Business Till Number) Charges and Limits (2025)

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