Unable to Link PayPal to M-PESA: Solutions and Workarounds

Discover step-by-step solutions and workarounds to link your PayPal and M-PESA accounts seamlessly. Get the most out of this groundbreaking partnership!

Sep 2, 2023 - 11:18
Sep 2, 2023 - 11:18
Unable to Link PayPal to M-PESA: Solutions and Workarounds
Unable to Link PayPal to M-PESA: Solutions and Workarounds

The partnership between PayPal and M-PESA has brought convenience and efficiency to Kenyan users. The collaboration aims to provide seamless money transfers and transactions for individuals and businesses, especially in Kenya. However, despite the convenience this partnership promises, users often need help attempting to link their PayPal and M-PESA accounts. 

In this comprehensive guide, we will explore the intricacies of the PayPal Mobile Money Service with M-PESA, offer step-by-step solutions to common issues, and provide invaluable insights to navigate the world of digital transactions successfully.

Linking PayPal to M-PESA

PayPal Mobile Money Service with M-PESA is a groundbreaking initiative that enables Kenyan users to bridge the gap between online platforms and mobile money services. Offered in partnership with Safaricom and TransferTo, this service provides a seamless solution for transferring funds between PayPal and M-PESA accounts. To get started, ensure you have eligible Kenyan PayPal and M-PESA accounts. Once registered, you can connect these accounts and move money between them effortlessly.

How to Link PayPal to M-PESA

The process of linking your PayPal and M-PESA accounts is straightforward. Follow these steps to establish a connection:

  1. Visit the official PayPal MPESA website and click the "Get Started" button.
  2. Select the type of PayPal account you want to create: Personal or Business.
  3. Provide your location details, selecting Kenya as your country.
  4. Input your registered M-PESA mobile number, which will be used for verification and communication.
  5. Enter the verification code sent to your M-PESA mobile number.
  6. Input your address and nationality details, ensuring accuracy and correctness.
  7. Create your PayPal account by entering your email address, name, and password.
  8. Agree to PayPal's terms and conditions to complete the account setup.

Common Challenges and Solutions

While the PayPal-MESA alliance offers convenience, users may encounter challenges when linking their accounts or performing transactions. Here are some common issues and solutions:

  1. Mismatched Names: To successfully link PayPal to M-PESA, ensure that the names on your account match those on your account. Edit your PayPal account information if necessary.
  2. Withdrawal Errors: When withdrawing funds from PayPal to M-PESA, ensure you enter the correct decimal point to avoid withdrawal errors. Manually input the decimal point if it doesn't appear automatically.
  3. Account Limitations: PayPal may limit your account for various reasons, such as disputes or identity verification issues. Resolve the underlying issue through PayPal's Resolution Center to lift the limitations.
  4. Transaction Review: In cases of suspected fraud, PayPal may delay withdrawals for 1-2 days. Contact PayPal support if your account remains under review after this period.

Withdrawing from PayPal to M-PESA

The process of withdrawing funds from your PayPal account to M-PESA is designed to be user-friendly:

  1. Log into your PayPal account using your credentials.
  2. Click on the "Withdraw from PayPal" option in the left tab.
  3. Enter the amount you want to withdraw in USD and click "Continue."
  4. View the currency conversion to Kenyan Shillings (KES) and the estimated processing time.
  5. Confirm the transaction to initiate the withdrawal.
  6. Depending on the transaction value, the withdrawal may take 2 hours to 3 calendar days to process.

Top-Up PayPal Using M-PESA Balance

If you prefer to top up your PayPal account using your M-PESA balance, follow these steps:

  1. Log into your PayPal account and click the "Top Up" option.
  2. Enter the desired top-up amount in USD and calculate the equivalent amount in KES.
  3. Go to your M-PESA menu, select "Lipa na M-PESA," and choose the "Pay Bill" option.
  4. Enter Business Number 800088 and use your phone number as the Account Number.
  5. Enter your M-PESA PIN and send the payment.
  6. Your newly topped-up balance can now be used for secure online shopping and payments with PayPal.

READ ALSO: PayPal Withdrawal to M-PESA: Here Is How To Send Money From Paypal to your Mpesa account


The partnership between PayPal and M-PESA has revolutionized online financial transactions in Kenya, offering users a convenient and secure way to manage funds between platforms. By linking your PayPal and M-PESA accounts, you can easily access efficient withdrawals and top-ups, empowering you to engage in online shopping, freelancing, and other activities. Remember that while the process is designed to be user-friendly, addressing potential challenges and following the outlined steps ensures a seamless experience

FAQs About PayPal and M-PESA

How Much Can I Withdraw from PayPal to M-PESA?

There's no minimum withdrawal amount, but the maximum is Ksh 150,000 per transaction and Ksh 300,000 per day.

How Long Does It Take to Withdraw from PayPal to M-PESA?

Typically, withdrawals take around 2 hours, but delays of up to 3 business days can occur due to review or other factors.

How Much Does It Cost to Withdraw from PayPal to M-PESA?

Withdrawals from PayPal to M-PESA incur a 3% fee, while top-ups attract a 4% fee. Standard MPESA transaction charges apply.

Why Can't I Link PayPal to MPESA?

If you cannot link your accounts, it might be due to mismatched names. Ensure your PayPal account name matches your M-PESA name.

Why Can't I Withdraw Money from PayPal to M-PESA?

Common reasons for withdrawal issues include unlinked accounts, held payments for new users, suspended accounts, and errors in withdrawal details.

What Should I Do If I Don't Receive Money from PayPal?

 If you receive a confirmation but not the money, visit your PayPal account's contacts page to launch a complaint, providing the transaction ID.

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.