TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
Rafiki Microfinance Bank
Save or repay loans at Rafiki Microfinance Bank.
Looking for a loan?
Compare digital lenders in Kenya
Before borrowing from Rafiki, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersHow to pay Rafiki
M-Pesa
Pay via M-Pesa 802 200
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 802 200
- Enter Account (Account Number): Your Rafiki account number.
- Enter the amount — in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Account Number: Your Rafiki account number.
Calculator preview
M-Pesa fees for Rafiki
| 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 Rafiki
Save or repay loans at Rafiki Microfinance Bank.
- Sector
- Lending
- Official site
- rafiki.co.ke
Compare lenders
Compare alternatives to Rafiki
Other CBK-licensed digital lenders. Rates and approval criteria vary.
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Branch
CBK-licensed
Mobile loans with credit-history building. CBK-licensed.
Visit BranchZN
Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceFrequently asked about Rafiki
What is Rafiki's paybill number?
Rafiki's M-Pesa paybill is 802200. Save or repay loans at Rafiki Microfinance Bank.
How do I pay Rafiki via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 802200, then your account (Your Rafiki account number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Rafiki?
Your Rafiki account number.
Can I pay Rafiki from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Rafiki's paybill 802 200. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Rafiki?
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 Rafiki loan?
Use M-Pesa paybill 802200 with your Your Rafiki account number.. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact Rafiki 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 Rafiki 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. Rafiki 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: 802 200 (mpesa paybill). How we verify.