M-Pesa Business Till charges calculator for Kenya

Safaricom states that Buy Goods payments generally have no customer charge, except for payments made at fuel stations. The collection fee in this calculator is the business owner's cost.

The amount received is the customer payment less the Business Till collection fee. For example, on a KSh 1,000 payment at a 0.5% charge, the collection fee is KSh 5 and the business receives KSh 995.

No. Paying another Till, sending money to a mobile number, paying a utility Till, and withdrawing at an agent have their own tariffs. This calculator focuses only on money collected from customers through a Business Till.

A Business Till can make the customer payment clearer and is generally free for customers paying through Buy Goods, while the merchant collection charge is predictable. The right option depends on your business, payment flow, and the current Safaricom terms.

The maximum collection fee on a single Business Till payment is KSh 200. Because the charge is 0.5% of the amount collected, the cap binds from a KSh 40,000 payment onwards, so a KSh 60,000 payment costs the same KSh 200 as a KSh 40,000 payment. The calculator marks when the cap applies on your amount.

At the 0.5% collection rate, the fee on a KSh 10,000 payment is KSh 50, which is below the KSh 200 cap. The business receives KSh 9,950 after the charge. The calculator works the same way for any amount, showing the fee, the amount received, and a monthly projection based on how many payments you expect each day.

Multiply the fee on one payment by your payments per day and your business days per month. For example, a KSh 5,000 payment carries a KSh 25 fee, and 10 such payments on 26 business days come to KSh 6,500 a month. The calculator does this automatically and also shows your total monthly receipts after fees.

No. Business Till collections of KSh 200 and below are shown as free in this calculator, with no collection fee deducted. The 0.5% rate and the KSh 200 cap only come into play above that amount, so small customer payments go to your business M-Pesa account in full.

Because the collection fee is capped at KSh 200 per transaction. A KSh 30,000 payment at 0.5% costs KSh 150, while a KSh 40,000 payment reaches the KSh 200 cap exactly. Any payment of KSh 40,000 or more carries the same KSh 200 fee, which is why the charge stops growing on larger amounts.