TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
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Lipa Later paybill number 865 050
Pay for goods on installments through Lipa Later.
Verified with caveat on 14 May 2026, see notes belowhow we verify
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Compare lendersAccount number for Lipa Later
- Format
- Reference number
- What to type
- Your Lipa Later loan reference number.
- Common mistake
- Reusing a reference number from a previous payment: most systems mark used references invalid and the new payment lands in suspense.
Lipa Later payment not working? Top fixes
Common failure modes when paying Lipa Later via M-PESA, with the first fix to try. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Loan repayment cleared M-PESA but the lender app still shows the balance outstanding.
Most lenders reflect M-PESA repayments within 15 minutes. If longer, contact the lender support with your M-PESA code and registered phone number. Avoid making a second payment until support confirms the first did not post: duplicate payments overpay your balance and the refund takes 5-7 working days.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
M-PESA paybill cost
What does paying Lipa Later cost you?
For KES 2,500 to Lipa Later (paybill 865050), you pay KES 33 on top (total KES 2,533 debited from M-PESA). The fee is set by Safaricom, not by the paybill.
KSh
Result
Fee
KES 20
Total cost
KES 2,520
The fee is 0.80% of the amount sent.
Free for transactions up to KES 100.
Some paybills (e.g., government services on eCitizen) are zero-rated, Safaricom waives the customer fee. Confirm with the receiving entity.
Fees are typically lower than Send Money for the same amount.
Updated for 2026 Safaricom tariffs. Verify on safaricom.co.ke before sending large amounts.
How to pay Lipa Later
M-Pesa
Pay via M-Pesa 865 050
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 865 050
- Enter Account (Reference Number): Your Lipa Later loan reference number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Reference Number: Your Lipa Later loan reference number.
New to M-PESA paybills? Read the complete how-to-pay-a-paybill guide for every route (USSD, STK, SIM Toolkit, My OneApp), fees, and common mistakes.
M-PESA cost to pay Lipa Later (2026 Safaricom tariff)
Total customer fee when paying paybill 865050 from M-PESA at common amounts. Fees are the standard Safaricom paybill bracket; some government services (eCitizen, KRA, NHIF/SHA) are zero-rated and these fees may be waived.
| If you pay Lipa Later | M-PESA fee | Total off your M-PESA |
|---|---|---|
| KES 200 | KES 5 | KES 205 |
| KES 500 | KES 5 | KES 505 |
| KES 1,000 | KES 10 | KES 1,010 |
| KES 2,500 | KES 20 | KES 2,520 |
| KES 10,000 | KES 48 | KES 10,048 |
| KES 50,000 | KES 67 | KES 50,067 |
Free for amounts up to KES 100. Lipa Later does not charge its own fee on top of the M-PESA tariff; what you see is what you pay.
See full M-PESA fee bands, limits, and the 20% excise duty explained for every amount up to KES 250,000.
Lipa Later payment not working? Top fixes
Common failure modes when paying Lipa Later via M-PESA, with the first fix to try. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Loan repayment cleared M-PESA but the lender app still shows the balance outstanding.
Most lenders reflect M-PESA repayments within 15 minutes. If longer, contact the lender support with your M-PESA code and registered phone number. Avoid making a second payment until support confirms the first did not post: duplicate payments overpay your balance and the refund takes 5-7 working days.
You are CRB-listed and want the listing cleared after paying the full outstanding amount.
Paying the loan does not automatically update CRB. After paying, request a clearance letter from the lender (most issue it within 7 working days). The lender then updates CRB directly; your listing typically clears within 14 days of the clearance letter being issued.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for Lipa Later
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | , |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About Lipa Later
Pay for goods on installments through Lipa Later.
- Sector
- Lending
- Official site
- lipalater.com
Compare lenders
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What is Lipa Later's paybill number?
Lipa Later's M-Pesa paybill is 865050. Pay for goods on installments through Lipa Later.
How do I pay Lipa Later via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 865050, then your account (Your Lipa Later loan reference number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Lipa Later?
Your Lipa Later loan reference number.
Can I pay Lipa Later from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Lipa Later's paybill 865 050. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Lipa Later?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
How do I repay my Lipa Later loan?
Use M-Pesa paybill 865050 with your Your Lipa Later loan reference number.. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact Lipa Later support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal, though success isn't guaranteed.
How do I confirm my payment to Lipa Later went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code, it's your proof of payment. Lipa Later should also confirm receipt via their channels.
Read deeper
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Asset finance, microfinance, digital loans, non-bank logbook lenders, and the Kenyan lending ecosystem in 2026.
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How motorbike, phone, and asset finance works, major lenders compared, M-Pesa repayment, and the cost traps.
Further reading
Curated external sources we cite. Open in a new tab.
M-Pesa Fuliza Calculator
Fuliza overdraft access fee + daily charges calculator.
mpesa.or.ke · calculator
M-Shwari Calculator
M-Shwari savings interest + loan interest calculator (NCBA).
mpesa.or.ke · calculator
M-Pesa Taasi Till Loan Calculator
Taasi merchant lending product specifically.
mpesa.or.ke · calculator
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Paybill displayed: 865 050 (mpesa paybill). How we verify.