M-Pesa Agent Commission in 2023 : Here Are The New Mpesa Agent Commission And Tips for Higher Earnings

Boost your income as an M-Pesa agent by understanding the intricacies of the M-Pesa commission chart. Find out how to optimize your commission earnings now!

Aug 27, 2023 - 15:40
Aug 27, 2023 - 15:41
M-Pesa Agent Commission in 2023 : Here Are The New Mpesa Agent Commission And Tips for Higher Earnings
MPESA Agent Commission: Here Are The New Mpesa Agent Commission For 2023

In today's digital era, financial transactions have significantly transformed, thanks to the advent of mobile money services. One of the trailblazers in this revolution is M-Pesa, a renowned mobile money platform that has revolutionized how people manage their finances in Kenya. If you're an M-Pesa agent or aspiring to become one, understanding the intricacies of the M-Pesa commission structure is paramount to boosting your earnings. In this comprehensive guide, we'll delve into the details of the M-Pesa commission chart for 2023 and explore strategies to optimize your commission earnings as an M-Pesa agent.

Key Takeaways from the Article

  1.  Choosing a bustling location for your M-Pesa shop can lead to higher transaction volumes and commission earnings.
  2.  Opting for an aggregated Safaricom M-Pesa line can boost your commissions and ensure timely payments.
  3.  Regularly checking your commission balance through the Safaricom App empowers you to stay on top of your earnings.
  4. Enhance your shop's appeal with cleanliness, decor, and excellent customer service to attract and retain customers.

What is the M-Pesa Agent Commission?

M-Pesa agent commission pertains to the earnings that M-Pesa agents accrue through facilitating M-Pesa transactions on behalf of customers. This commission is a percentage of the transaction value and varies based on the nature of the transaction. Transactions like sending money generally yield lower commissions compared to bill payments.

The M-Pesa Agent Commission Table

To grasp the potential earnings as an M-Pesa agent, it's crucial to familiarize yourself with the M-Pesa agent commission table. This table provides insights into the commission earned per transaction band for deposits and withdrawals. Let's explore these tables in detail:

M-Pesa Agent Commission on Deposits

The following table outlines the commission earned for each deposit transaction band:

Amount (Transaction Band) Applicable 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

It's worth noting that the average commission across different transaction bands ranges from approximately 12% to 17%.

M-Pesa Agent Commission on Withdrawals

The following table outlines the commission earned for each withdrawal transaction band, categorized by registered and unregistered users:

Transaction Band (Ksh) Commission for Registered Users (Ksh) Commission for Unregistered Users (Ksh)
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

Factors Influencing M-Pesa Agent Commission

Several factors play a pivotal role in determining the M-Pesa agent commission. These factors include:

  • Transaction Type: Different types of transactions yield varying commissions. For instance, sending money generally offers a lower commission than bill payments.
  • Transaction Value: Transactions of higher monetary value tend to generate higher commissions compared to lower-value transactions.
  • Transaction Frequency: Engaging in more transactions translates to increased commission earnings.

How to Increase M-Pesa Commission

M-Pesa agents, the intermediaries between users and Safaricom, are integral to the mobile money ecosystem. Their earnings are closely tied to transaction volumes, making commission maximization a primary concern. Here's how agents can up their commission game:

Focus on High-Value Transactions

Concentrate on facilitating high-value transactions such as significant money transfers, bill payments, and loan repayments. These transactions typically yield higher commissions and can significantly enhance your earnings.

Encourage Repeat Transactions

Encourage repeat transactions from satisfied customers. Offer exceptional customer service and incentives like discounts to foster customer loyalty and encourage repeat business.

Diversify Your Service Offerings

Broaden your service repertoire to include offerings like airtime top-ups and bill payments. Diverse services can attract a broader customer base and increase commission earnings.

Leverage Referral Programs

Implement referral programs to attract new customers. Incentivize existing customers to refer friends and family to your M-Pesa services, which can lead to a surge in transactions and commissions.

Prioritize Customer Service Excellence

Deliver top-notch customer service to enhance customer satisfaction. Address customer queries promptly and efficiently, as satisfied customers are likelier to continue using your services, boosting your commission earnings.

Utilize Aggregated Safaricom M-Pesa Lines

Safaricom introduced aggregated lines to curb fraudulent super-agent practices. By obtaining an aggregated line, agents can access higher commissions. This means adhering to the recommended Safaricom split commission percentage of 80% for the agent and 20% for the principal. This compares favorably to the 40% typically earned with non-aggregated lines. Moreover, agents with aggregated lines enjoy direct and timely commission payments.

Checking Your M-Pesa Commission and Withdrawal

To keep track of your commission earnings and initiate withdrawals, follow these simple steps:

  1. Open your Safaricom App.
  2. Select "Show my commission balance."
  3. Enter your M-Pesa PIN.
  4. Wait for the confirmation SMS indicating your commission balance.

To withdraw your earnings:

  1. Ensure you have sufficient float in your M-Pesa agent account.
  2. Access your Safaricom app.
  3. Click on "Withdraw commissions."
  4. Enter your agent's number.
  5. Input your M-Pesa PIN.
  6. Await the automated message confirming your withdrawal.

READ ALSO: How Much Do M-Pesa Agents Earn Per Month?


Becoming an M-Pesa agent can provide a substantial income stream. Understanding the M-Pesa commission structure and implementing strategies to maximize your earnings is pivotal to your success as an agent. You can effectively boost your M-Pesa commission earnings by focusing on high-value transactions, encouraging repeat business, diversifying your services, leveraging referral programs, and delivering exceptional customer service. Remember, M-Pesa's commission rates may change periodically, so staying updated with Safaricom's communications is essential. As you navigate the world of mobile money services, the potential for commission growth as an M-Pesa agent is limitless.

Frequently Asked Questions (FAQs)

How can I become an MPESA agent?

To become an MPESA agent, you must meet specific requirements set by Safaricom, including having a valid ID, a secure location to operate, and a registered business.

What is the commission rate for MPESA agents?

Commission rates vary depending on the transaction type and amount. However, the commission for sending money is typically lower than paying bills.

How often do MPESA agents receive their commission?

MPESA agents typically receive their commission at the end of the month.

Can I earn a full-time income as an MPESA agent?

Yes, you can earn a full-time income as an MPESA agent by providing excellent service, offering various services, and building a substantial customer base.

Can attracting new customers increase my MPESA agent commission?

Absolutely! By attracting new customers through referral programs, promotions, and top-notch customer service, you can increase the frequency and value of transactions, leading to higher commission earnings.

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Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.