How to increase M-Pesa commission for M-Pesa Agents 2024

Learn practical steps to increase your M-Pesa commission and boost your earnings as an agent.

Dec 4, 2023 - 00:00
Feb 12, 2024 - 14:00
How to increase M-Pesa commission for M-Pesa Agents 2024
How to increase M-Pesa commission for M-Pesa Agents 2024

M-Pesa, a prominent mobile money provider, has become a vital income source for numerous individuals and businesses across the globe. A key component in this income ecosystem is the M-Pesa agent, who gets paid commissions based on the transactions made in a day. If you're an M-Pesa agent seeking ways to boost your earnings, this guide will take you through the practical steps to increase your M-Pesa commission.

Understanding the M-Pesa Ecosystem

M-Pesa, a mobile money service, has transformed how money is handled, especially in Kenya. At the heart of this system are the M-Pesa agents. These agents are crucial, acting as intermediaries between M-Pesa users and Safaricom, Kenya's leading mobile network operator. They enable customers to deposit and withdraw cash, send and receive money, and buy airtime.

But what's in it for the agents? Well, they're paid on a commission basis. The more transactions they facilitate, the more they earn. So, it's not just about providing a service but maximizing opportunities. Typically, an M-Pesa agent's earnings can range from Ksh. 20,000 to Ksh. 50,000 per month, though this can vary widely based on the agent's location and the number of transactions they process​​​​​​.

Current M-Pesa Commission Structure

Understanding the commission structure is vital for any M-Pesa agent looking to maximize their earnings. Safaricom adjusts these rates periodically, but as of the latest update, here's how it works:

Mpesa Commission for Deposit:

For deposits, the commission varies depending on the amount deposited. For example, for a deposit between 50 and 100 Ksh, an agent earns a commission of 4 Ksh. This commission increases as the deposit amount goes up, with the highest commission being 190 Ksh for deposits ranging from 70,001 to 150,000 Ksh.

Deposit Bands (Ksh) Agent Commission (Ksh)
50 – 100 4
101-510 8
511 - 1,010 9
1,011 - 1,510 10
1,511 - 2,510 11
2,511 - 3,510 12
3,511 - 5,010 14
5,011 - 7,510 20
7,511 - 10,010 28
10,011 - 15,010 40
15,011 - 20,020 55
20,021 - 25,020 71
25,021 - 30,020 87
30,021 - 35,020 103
35,021 - 40,020 119
40,021 - 45,020 135
45,021 - 50,020 150
50,021 - 70,000 190
70,001 - 150,000 190

Mpesa Commission for Withdrawals :

Withdrawals are even more lucrative. The commissions for withdrawals are generally higher than those for deposits. For instance, withdrawing between 50,001 and 70,000 Ksh earns an agent a commission of 180 Ksh. It's important to note that these rates apply to registered customers. For unregistered customers, the commission structure is different and, in some cases, non-applicable​​​​.

Transaction amount (Ksh) Commission (Ksh)(For registered customers) Commission (Ksh)(For unregistered customers)
10 – 49 N/A N/A
50 -100 5 N/A
101 - 500 8 8
501 - 1,000 10 10
1,001 - 1,500 12 12
1,501 - 2,500 15 15
2,501 - 3,500 20 20
3,501 - 5,000 25 25
5,001 - 7,500 30 30
7,501 - 10,000 35 35
10,001 - 15,000 45 45
15,001 - 20,000 60 60
20,001 - 25,000 65 65
25,001 - 30,000 70 70
30,001 - 35,000 70 70
35,001 - 40,000 100 N/A
40,001 - 45,000 150 N/A
45,001 - 50,000 180 N/A
50,001 - 150,000 200 N/A

Please note that for withdrawals, some commission rates are marked as "N/A" for unregistered customers, indicating that withdrawals may not be available for unregistered customers in those specific transaction amount ranges.

In summary, M-Pesa agents earn their keep by facilitating various transactions. The commission for each transaction can vary, but one thing is clear: the more transactions an agent handles, the higher their potential earnings. By understanding this commission structure, agents can strategize how to increase their daily transaction volume, thereby boosting their income.

Tracking Your M-Pesa Commission

Regularly checking your M-Pesa commission balance can help you track your earnings and motivate you to boost your income. Follow these steps to check your commission:

  • Go to your Safaricom App.
  • Click "Show my commission balance."
  • Key in your Mpesa pin.
  • Wait for the SMS confirmation message showing your commission.
  • Once you've reviewed your commission, you can withdraw your earnings through these simple steps:

How to increase M-Pesa commission

Optimize Shop Location and Presentation

One of the most straightforward ways to increase M-Pesa commissions is by focusing on your shop's location and presentation. It's simple: a shop in a high-traffic area naturally sees more customers, which means more transactions. Think about it like fishing - the more fish in the pond, the better your chances of a catch.

But it's not just about location. Your shop's appearance matters, too. A clean, well-decorated shop with clear M-Pesa branding can draw people in. It's about creating an inviting space that makes customers feel comfortable and confident in your services. Remember, first impressions count and a good one can turn a passerby into a regular customer​​​​.

The Role of Aggregated vs. Non-Aggregated Lines

M-Pesa agents can choose between aggregated and non-aggregated lines, each with benefits. Aggregated lines, introduced by Safaricom, offer a higher commission split – 80% for the agent and 20% for the principal. This is significantly better than the 40% provided for non-aggregated lines. Plus, with an aggregated line, you enjoy direct and timely commission payments.

On the other hand, non-aggregated lines can be more profitable for those who can afford them, as they establish a direct business contract with Safaricom. This might be a better option for agents with more investment power​​​​​​.

Diversifying Services and Products

Don't just stop offering M-Pesa services. Why not diversify? Stocking high-demand products can attract a broader range of customers. From phone accessories to beauty products, these items can turn your M-Pesa shop into a one-stop shop, increasing foot traffic and, consequently, the number of transactions. It's about creating more reasons for customers to visit your shop​​​​.

Effective Marketing Strategies

Finally, let's talk about getting the word out. Marketing is crucial. Use eye-catching LED displays in your shop to draw attention. Consider painting and designing your shop to make it stand out. And take into account the power of digital marketing. Regular posts on social media platforms like Facebook, Instagram, and Twitter can significantly increase your customer base. Share about your services, promotions, and even customer testimonials to build trust and attract potential customers​​​​.

Additional Practices for Growth

Ensuring Sufficient Float and Cash

A critical aspect of running a successful M-Pesa shop is managing your float and cash reserves. It's always essential to have enough money on hand to cater to depositors and withdrawers. Imagine a bulk depositor walking into your shop only to find you need more float to handle their transaction. That's a missed opportunity and, more importantly, a missed commission. Regularly stocking sufficient float and cash ensures you're prepared for high-value transactions, which can significantly boost your earnings​​.

Upskilling and Training Staff

The quality of service you offer can make or break your M-Pesa business. Investing in your staff's training is not just a good practice; it's an intelligent business strategy. Teach them about the range of M-Pesa products and services and instill essential customer service skills. A knowledgeable and friendly staff creates a welcoming environment for customers, encouraging them to return and transact more often. This, in turn, translates into higher commissions for you​​.

Offering Promotions and Incentives

Everyone loves a good deal, and your customers are no exception. Consider running promotions or a loyalty program in your shop. Small discounts on associated products or rewards for frequent transactions can drive more business to your M-Pesa outlet. Such strategies enhance customer loyalty and attract new customers, ultimately leading to increased commerce and, consequently, your commissions​​.

Regularly Tracking Commission Earnings

Knowledge is power, especially when it comes to tracking your earnings. Regularly checking your M-Pesa commission balance is a great way to stay motivated and focused on your income goals. You can quickly check your commission through the Safaricom App, which provides a clear view of your earnings and encourages you to strategize for even greater profits. Remember, keeping a close eye on your financial performance helps you make informed decisions to grow your business​​​​.

READ ALSO: MPESA Agent Commission: Here Are The New Mpesa Agent Commission

In Conclusion

Earning a lucrative commission as an M-Pesa agent requires a strategic and proactive approach. You can significantly enhance your earning potential by understanding the ecosystem, optimizing your location and presentation, upgrading your M-Pesa line, diversifying your offerings, regularly checking your commission balance, and understanding the commission rates.

Stay committed, deliver exceptional service, and leverage these proven strategies. The growth in your M-Pesa commission and overall business performance will be a rewarding testament to your efforts.

Joseph Richard Joseph Richard, a leading contributor to, uses his decade-long expertise in finance, business, and technology to offer clear, reliable guides and analyses. His work aids Kenyans in making informed financial and business decisions, earning him a reputation as a trusted industry authority.