The detailed 2019 Mpesa agent commission structure and a detailed commission structure for withdrawals (Registered and Unregistered)

For M-Pesa agents, they earn a commission for money that they disburse to Safaricom clients. For example if I withdraw KES 500 from an M-Pesa agent, the agent gives me KES 500 and I am charged KES 527. The extra KES 27 is the agent’s earnings for the transaction. The more the transactions the better the agent’s earnings. So be sure to set up in a very conspicuous and busy area to make a lot of profits 🙂

The detailed 2019 Mpesa agent commission structure for deposits is as shown below.

Transaction Band	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	60,020	190
60,021	70,000	190

Safaricom also re-looked at the withdrawal commissions and reduced the commissions in some of the bands as highlighted below and kept others constant in an effort to encourage more deposit transactions.

The detailed commission structure for withdrawals (Registered and Unregistered) is as shown below.

Mpesa Agent Commissions for Withdrawal Transactions
Transaction Bands	​​ Commissions(Registered Customers)	Commissions(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	70,000	200	N/A

At the end of the month, the commission earned is paid to the MMF account of the organisation less the 5% withholding tax. The organisation can decide to withdraw the cash or transfer it to float account.