M-Pesa Charges for Sending Money

M-Pesa facilitates the transfer of funds between individuals and to businesses, each with its own tiered charging structure.

  • To Registered M-Pesa Users, Pochi La Biashara, and Business Tills: These represent standard person-to-person (P2P) transfers and person-to-business (P2B) payments where the recipient is an M-Pesa registered user or a business operating with a Pochi La Biashara or Business Till. The charges are tiered based on the amount transacted.
  • To Other Registered Mobile Money Users: M-Pesa also enables transfers to users on other mobile money platforms (e.g., Airtel Money). The charges for these inter-operator transfers are identical to those for sending money within the M-Pesa ecosystem, reflecting a harmonized pricing structure for such transactions.

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