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M-PESA Bulk Payments (B2C) calculator

Estimate the cost of paying many M-PESA recipients in a batch. Useful for payroll, agent commissions, dividend distributions, and grant disbursements.

KES

Result

Fee per recipient

KES 65

Total disbursed

KES 500,000

Total fees

KES 6,500

Total batch cost

KES 506,500

What Bulk Payments is

Safaricom Bulk Payments (also called B2C, Business to Customer) is the API or web portal that lets businesses send M-PESA to many recipients in one batch. Common uses: payroll, sales agent commissions, supplier payments, government social transfers, insurance claim payouts.

How fees scale

Fees are charged per recipient transaction, scaled by amount band. The default rates shown above match typical Safaricom Bulk tariffs in 2026. High-volume businesses negotiate better rates, contact Safaricom Business directly for volume tiers.

API integration

Bulk Payments runs through the Safaricom Daraja API. Developers integrate via REST calls; finance teams use the Bulk Portal. See our Daraja API integration guide for engineering details.

Frequently asked

Are these the exact official rates?

They are typical Safaricom Bulk tariff bands at retail merchant level. High-volume customers (5,000+ transactions per month) usually negotiate lower rates. For exact pricing, contact your Safaricom Business account manager.

What is the per-batch maximum?

The technical batch size is determined by your Daraja API integration and Safaricom-assigned bulk limit. Common limits are 5,000 to 100,000 transactions per batch. Larger payrolls split across multiple batches.

Do recipients pay anything?

No. The receiving M-PESA user incurs no cost; the business absorbs the fee. Recipients see the full amount land in their M-PESA wallet.

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