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How to deposit to Chai Sacco via M-PESA (paybill 544200), 2026

Paying into Chai Sacco from M-PESA is a Pay Bill with your member number in the account field. The paybill is 544200, and it covers deposits, loan repayments, and shares.

AO
by Reviewed by Josephine Njeri 4 min read Updated 15 September 2026Verified 15 Sept 2026

Chai Sacco serves the tea sector and the wider public. Paying in from M-PESA, for a deposit, a loan repayment, or a share contribution, is a single Pay Bill flow, and the account field is your member number.

The verified paybill

Chai Sacco uses paybill 544200 for M-PESA payments. The account is your member number, the one on your member statement or passbook. It is not your national ID and not your phone number.

Deposit step by step

  1. Open the M-PESA app, or dial *334#.
  2. Select Lipa na M-PESA, then Pay Bill.
  3. Business number: 544200.
  4. Account: your Chai Sacco member number.
  5. Enter the amount.
  6. Enter your M-PESA PIN and confirm.

Keep the M-PESA SMS. The same paybill and member number handle deposits, loan repayments, and share contributions.

Confirm the paybill if a payment bounces

Deposit not reflecting

If M-PESA confirmed but your member statement has not updated, the money has usually reached the SACCO and is waiting to be posted. Give it a few hours. If it still has not appeared, contact Chai Sacco member services with your 10-character M-PESA transaction code and your member number.

What it costs

Standard M-PESA paybill fees apply. Chai does not add a fee on top.

If you payM-PESA feeTotal off your wallet
KES 500KES 5KES 505
KES 1,000KES 10KES 1,010
KES 5,000KES 34KES 5,034
KES 20,000KES 62KES 20,062

Frequently asked questions

What is the Chai Sacco paybill number?

Chai Sacco uses paybill 544200. The account is your member number. SACCO paybills change occasionally, so confirm on your latest statement if a payment does not go through.

What account number do I use for Chai?

Your Chai Sacco member number, from your statement or passbook. Not your national ID and not your phone number.

Can I repay a Chai loan on the same paybill?

Yes. Paybill 544200 with your member number handles deposits, loan repayments, and share contributions.

My Chai deposit is not on my statement. What do I do?

SACCO posting is usually same-day but not instant. Wait a few hours, then contact member services with your M-PESA transaction code and member number.

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