Skip to content
paybillke
Lending2 networks

Onfon paybill number 410 415 1

Onfon Mobile paybills for their bulk SMS and mobile-services accounts. Two active paybills: 4104151 and 622645. Confirm which one the recipient wants before you send.

Verified by paybillke on 13 July 2026how we verify

Paybill

410 415 1

Account number: Your OnFon-registered phone number

Looking for a loan?

Compare digital lenders in Kenya

Before borrowing from Onfon, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.

Compare lenders

Account number for Onfon

Format
Phone number
What to type
Your OnFon-registered phone number.
Common mistake
Sending from a phone number that is not your registered account phone: the credit lands on your account regardless of who sent it, but only if the registered phone is in the account field.

Onfon payment not working? Top fixes

Common failure modes when paying Onfon 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 Onfon cost you?

For KES 2,500 to Onfon (paybill 4104151), 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.

Full paybill calculator with band table →

How to pay Onfon

M-Pesa

Pay via M-Pesa 410 415 1

  1. Open M-Pesa, dial *334# or open the M-Pesa app.
  2. Select Lipa na M-Pesa, then Pay Bill.
  3. Enter Business Number: 410 415 1
  4. Enter Account (Phone Number): Your OnFon-registered phone number.
  5. Enter the amount, in KES.
  6. Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.

Account format

Phone Number: Your OnFon-registered phone 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 Onfon (2026 Safaricom tariff)

Total customer fee when paying paybill 4104151 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 OnfonM-PESA feeTotal off your M-PESA
KES 200KES 5KES 205
KES 500KES 5KES 505
KES 1,000KES 10KES 1,010
KES 2,500KES 20KES 2,520
KES 10,000KES 48KES 10,048
KES 50,000KES 67KES 50,067

Free for amounts up to KES 100. Onfon 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.

Onfon payment not working? Top fixes

Common failure modes when paying Onfon 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 Onfon

AmountM-Pesa feeTotal cost
KES 50FreeKES 50
KES 200KES 5KES 205
KES 1,000KES 10KES 1,010
KES 5,000KES 34KES 5,034
KES 20,000KES 62KES 20,062
Open full calculator with currency conversion

About Onfon

Onfon Mobile paybills for their bulk SMS and mobile-services accounts. Two active paybills: 4104151 and 622645. Confirm which one the recipient wants before you send.

Sector
Lending
Official site
onfon.co.ke

Compare lenders

Compare alternatives to Onfon

Other CBK-licensed digital lenders. Rates and approval criteria vary.

TA

Tala

CBK-licensed

Mobile loans up to KES 50,000 in minutes. CBK-licensed.

Visit Tala
BR

Branch

CBK-licensed

Mobile loans with credit-history building. CBK-licensed.

Visit Branch
ZN

Zenka Finance

CBK-licensed

App loans from KSh 500 to KSh 200,000. CBK-licensed.

Visit Zenka Finance

Frequently asked about Onfon

What is Onfon's paybill number?

Onfon's M-Pesa paybill is 4104151. Onfon Mobile paybills for their bulk SMS and mobile-services accounts. Two active paybills: 4104151 and 622645. Confirm which one the recipient wants before you send.

How do I pay Onfon via M-Pesa?

Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 4104151, then your account (Your OnFon-registered phone number.), then the amount, then confirm with your M-Pesa PIN.

What account number do I use for Onfon?

Your OnFon-registered phone number.

Can I pay Onfon from abroad?

Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Onfon's paybill 410 415 1. Compare fees on our diaspora hub before sending.

What are the M-Pesa fees for paying Onfon?

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 Onfon loan?

Use M-Pesa paybill 4104151 with your Your OnFon-registered phone number.. Repayments typically reflect within minutes.

What if I pay the wrong amount or use the wrong paybill?

Contact Onfon 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 Onfon 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. Onfon should also confirm receipt via their channels.

Read deeper

Lending & credit

Asset finance, microfinance, digital loans, non-bank logbook lenders, and the Kenyan lending ecosystem in 2026.

Pillar guide

Asset finance in Kenya: Watu, Mogo, OnFon, M-KOPA

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.

More from Lending

Related paybills

Lending

Tala Kenya

Paybill · M-Pesa

851 900

Lending

KCB M-PESA (paybill route)

Paybill · M-Pesa

522 559

Lending

Equity Bank Eazzy Loan

Paybill · M-Pesa

247 263

Lending

Branch International Kenya

Paybill · M-Pesa

998 608

Lending

Absa Timiza

Paybill · M-Pesa

300 067

Lending

Watu Credit (Watu Africa)

Paybill · M-Pesa

650 880

paybillke is an independent directory and tools service. We are not affiliated with Safaricom, Airtel, T-Kash, or any listed company.

Paybill displayed: 410 415 1 (mpesa paybill). How we verify.