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M-PESA PayPal Service

What is M-PESA PayPal?


This is a Service offered to M-PESA customers by TransferTo in partnership with Safaricom and PayPal.

Who can use the service?


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

 How do I withdraw to M-PESA?


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

1. Log on to your PayPal account and Select Withdraw. (Your available balance will be displayed.)   
a. Note that you will only be able to withdraw up to the available USD balance amount in your PayPal Account
2. Enter amount to withdraw from your PayPal Account in USD and click ‘withdraw’
3. You will be redirected to a page showing the amount to be received in KES, exchange rate used for the currency conversion and an estimation of the transaction processing time
4. 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.
1. Log on to the M-PESA PayPal web page (link) and select Top Up funds
2. Enter the amount to top up in USD and click ‘calculate’ to get the equal converted amount in Kes. to be transferred from your M-PESA account. (Exchange rate used will be displayed on the same page)
3. Go to your M-PESA menu and Select ‘Lipa na M-PESA’ then ‘Pay Bill’ option
4. Enter Business no. 800088
5. Enter your phone number as Account No.
6. Enter the Amount in Kes.
7. Enter your M-PESA PIN and Send

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


Yes. You need to have a registered PayPal and M-PESA accounts. To registers a PayPal account visit ( and to register for M-PESA, visit any M-PESA agent outlet across Kenya.  
To link your M-PESA account to your PayPal account, visit

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


  •  Enter your primary PayPal Account’s email address
  •  Successfully log on to your PayPal Account, click to agree to the privacy policy.
  •  Enter the phone number registered for M-PESA 
  •  Accept terms and conditions
  •  Enter the 4-digit confirmation code sent from Safaricom to the mobile number associated with your M-PESA account and click to confirm.

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


Visit the PayPal website at then click on ‘Sign Up’ top right of the page and follow instructions.

  • Log in to your PayPal Account  
  • Enter your M-PESA account phone numbe
  • Accept terms and condition
  • Enter the 4-digit confirmation code sent from Safaricom to the mobile number associated with your M-PESA account.

What charges will apply for Withdrawal/Top up Service?


For withdrawal – 3% of the amount converted from USD to Kes.

Top up – 4% of the amount you are sending to your PayPal account

Normal M-PESA charges apply for all other transactions

 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.

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. (Kes. 70,000 per transaction and Kes. 140,000 per day.)