Which M-Pesa charges matter most
The common costs to compare are send money fees, agent withdrawal charges, Paybill costs, Till or Buy Goods cases and ATM withdrawal charges.
Some services can be free for customers, while others depend on the transaction amount and the tariff band.
How to estimate a transaction cost
Choose the transaction type, enter the amount and compare the fee against the total amount debited or received.
For larger payments, confirm the result against Safaricom's latest tariff before sending money or advising a customer.
How to reduce surprises
Check whether the cost is paid by the sender, customer or merchant. Also compare sending directly, withdrawing cash, Paybill and Till scenarios before choosing the cheapest practical option.