M-PESA PayPal Service

The service is provided by Thunes in partnership with Safaricom and PayPal. This is a money transfer service for joint PayPal and M-PESA customers that enables customers to move funds between their own M-PESA accounts and PayPal accounts.

With PayPal, customers can top up and withdraw funds in US-Dollars (USD) only; customer can manage their M-PESA account in Kenya shillings only.

If a customer has multiple currencies in the PayPal account, they will need to convert the funds into US-Dollars if they wish to withdraw the PayPal balance to the M-PESA account. To convert the funds, go to the "Manage Currencies" section in the PayPal account.

This service is only offered to users in Kenya with registered M-PESA accounts, Google (PayPal) accounts, and Android devices.

What is M-PESA PayPal?

This is a money transfer service for joint PayPal and M-PESA customers that enables customers to move funds between their own M-PESA account and PayPal account.

What charges will apply for Withdrawal/Top up Service?

The customers will incur the following charges for the services.

Transaction band		Charges (KSh)
Min (KSh)	Max (KSh)	Charges (KSh)
101	499	23
500	999	23
1,000	1,499	34
1,500	2499	34
2,500	3,499	56
3,500	4,999	56
5,000	7,499	85
7,500	9,999	85
10,000	14,999	112
15,000	19,999	112
20,000	24,999	112
25,000	29,999	112
30,000	34,999	112
35,000	39,999	202
40,000	44,999	202
45,000	49,999	202
50,000	70,000	210
70,001	150,000	210

Do I have to create an account to use this service?

Yes. You need to have registered PayPal and M-PESA accounts.

To register for M-PESA, visit any M-PESA agent outlet across Kenya.
To register a PayPal account visit (paypal.com ).

Once you have registered for M-PESA and PayPal account, you will be required to link their PayPal account to the M-PESA account.

How do I link my M-PESA Account to PayPal? (New PayPal Accounts)?

Visit the PayPal website at https://www.paypal-mobilemoney.com/m-pesa then click on the ‘Login’ menu on the top right of the page and follow the instructions.

Log in to your PayPal Account
Enter your M-PESA account phone number.
Accept the terms and conditions.
Enter the 6 -digit confirmation code sent from Safaricom to the mobile number associated with your M-PESA

The customer will be using the same link to withdraw funds from a PayPal account to an M-PESA account and deposit to a PayPal account from an M-PESA account.

How do I withdraw to M-PESA?

The Withdraw service from PayPal allows you to transfer funds from your PayPal account to your linked qualifying M-PESA account.

Log on to your PayPal account using the link https://www.paypal-mobilemoney.com/m-pesa.
Select Withdraw. (Your available balance will be displayed.)
Enter the amount to withdraw from your PayPal Account in USD and click ‘withdraw.’ Note that you will only be able to withdraw up to the available USD balance amount in your PayPal Account.
You will be redirected to a page showing the amount to be received in Kenya Shillings, the exchange rate used for the currency conversion, and an estimation of the transaction processing time.
Click ‘Confirm’ to confirm and complete the Withdraw Transaction

How do I top up the account?

The top-up service to PayPal allows you to top up funds from your qualifying M-PESA account to your linked PayPal account to shop online or make payments with PayPal.

Log on to the M-PESA PayPal web page (link) and select Top Up funds.
Enter the amount to top up in USD and click ‘calculate’ to get the equal converted amount in Kenya Shillings, to be transferred from your M-PESA account. (Exchange rate used will be displayed on the same page)
Go to your M-PESA menu and Select ‘Lipa na M-PESA’ and then the ‘Pay Bill’ option.
Enter Business no. 800088.
Enter your phone number as Account No.
Enter the Amount in Kenya Shillings.
Enter your M-PESA PIN and Send

How long does it take to receive funds after withdrawal?

The funds will be processed to your M-PESA account in 2 hours to 3 calendar days after transaction confirmation depending on the value of the transaction.

The estimated time will be presented to the customer before confirming the transaction.

How do I know when the funds have been credited to my account?

You will receive a confirmation SMS from M-PESA and an email from PayPal.

What is the maximum amount I can withdraw or Top Up?

Current M-PESA transaction limits apply (Maximum KSh. 150,000 per transaction and KSh. 300,000 per day).

Who does a customer call in case of any queries?

In case of any queries or more information:

Call 100 or 200.
Call: +254 722 002100 for prepaid customers and +254 722 002200 for post-pay customers (Chargeable)
Twitter: @Safaricom_Care and @SafaricomPLC
Facebook: @SafaricomPLC
Visit any Safaricom shop.