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Verified 11 September 2026

SasaPay to M-PESA and Back: Full Transfer Guide

By David Wachira · SasaPay hub · paybillke is an independent guide and is not affiliated with SasaPay.

SasaPay connects to M-PESA in both directions, so you are never locked in. Sending out uses the Transfer option, and bringing money in uses the deposit paybill. Here is each.

SasaPay to M-PESA

  1. Open the SasaPay app and press Transfer.
  2. Choose mobile other.
  3. Select the provider, in this case Safaricom M-PESA.
  4. Enter the recipient phone number and the amount.
  5. Confirm, and the money is credited to their M-PESA.
  6. On USSD, dial *626#, go to Transfer, and follow the same prompts.

M-PESA to SasaPay

Use Pay Bill to 756756 with your SasaPay number as the account, as covered in the loading guide. It credits automatically.

The charges

SasaPay's own person-to-person sending is very cheap, free below KES 100 and modest above that, and its wallet-to-bank and transfer fees are tiered. Coming in from M-PESA, Safaricom's paybill charge applies. The practical point is that SasaPay is positioned as a low-cost wallet, so moving money between it and M-PESA is designed to be affordable. Confirm the exact SasaPay transfer fee in the app and the M-PESA fee on Safaricom's tariff for your amount.

Frequently asked

Can I send to any M-PESA number from SasaPay?

Yes, through transfer to other mobile money.

Is it instant both ways?

Yes, in normal conditions.

Which is cheaper, app or USSD?

The fee is the same, USSD just needs no data.