TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
Lipa Later
Pay for goods on installments through Lipa Later.
Looking for a loan?
Compare digital lenders in Kenya
Before borrowing from Lipa Later, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersHow 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.
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
Compare alternatives to Lipa Later
Other CBK-licensed digital lenders. Rates and approval criteria vary.
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Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceFrequently asked about Lipa Later
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.
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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Related paybills
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Paybill displayed: 865 050 (mpesa paybill). How we verify.