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Tala paybill number 851 900

Repay your Tala mobile loan via M-Pesa paybill.

Verified by paybillke on 8 May 2026how we verify

Paybill

851 900

Account number: Your Tala-registered phone number

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Account number for Tala

Format
Phone number
What to type
Your Tala-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.

Tala payment not working? Top fixes

Common failure modes specific to Tala, with the fix that works first. 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.

You repaid Tala via paybill 851900 but the Tala app still shows the loan outstanding.

Refresh the Tala app (pull down on the loans screen). Most repayments reflect within 15 minutes. If longer than 1 hour, screenshot the M-PESA SMS and open Tala support chat from the app: they credit manually within 2 hours during business hours.

Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.

Tala is an instant-loan app (paybill 851900) that disburses KES 500-50,000 within 5 minutes of approval: no paperwork, scores you by app permissions on your phone. APR is steep: roughly 180-270% annualised depending on the 7-21 day repayment term. Tala only deposits to your Tala-registered Safaricom number; the same number repays via the paybill with your registered phone as the account. Late repayment triggers CRB listing after 30 days; full payment lifts the listing within 14 days of clearance.

M-PESA paybill cost

What does paying Tala cost you?

For KES 2,500 to Tala (paybill 851900), 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 Tala

M-Pesa

Pay via M-Pesa 851 900

  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: 851 900
  4. Enter Account (Phone Number): Your Tala-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 Tala-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 Tala (2026 Safaricom tariff)

Total customer fee when paying paybill 851900 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 TalaM-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. Tala 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.

Tala payment not working? Top fixes

Common failure modes specific to Tala, with the fix that works first. 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.

You repaid Tala via paybill 851900 but the Tala app still shows the loan outstanding.

Refresh the Tala app (pull down on the loans screen). Most repayments reflect within 15 minutes. If longer than 1 hour, screenshot the M-PESA SMS and open Tala support chat from the app: they credit manually within 2 hours during business hours.

You are CRB-listed by Tala and want it cleared after paying the full balance.

Tala does not auto-update CRB on repayment. Request a clearance letter via Tala in-app support (typically issued within 7 days). The clearance letter then updates CRB; your listing clears 14 days from issuance.

Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.

Calculator preview

M-Pesa fees for Tala

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 Tala

Repay your Tala mobile loan via M-Pesa paybill.

Sector
Lending
Official site
tala.co.ke

Compare lenders

Compare alternatives to Tala

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

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

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Frequently asked about Tala

What is Tala's paybill number?

Tala's M-Pesa paybill is 851900. Repay your Tala mobile loan via M-Pesa paybill.

How do I pay Tala via M-Pesa?

Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 851900, then your account (Your Tala-registered phone number.), then the amount, then confirm with your M-Pesa PIN.

What account number do I use for Tala?

Your Tala-registered phone number.

Can I pay Tala from abroad?

Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Tala's paybill 851 900. Compare fees on our diaspora hub before sending.

What are the M-Pesa fees for paying Tala?

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 Tala loan?

Use M-Pesa paybill 851900 with your Your Tala-registered phone number.. Repayments typically reflect within minutes.

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

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

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Further reading

Curated external sources we cite. Open in a new tab.

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Paybill displayed: 851 900 (mpesa paybill). How we verify.