The new Mpesa commission structure for 2022 is designed to ensure that agents are better compensated for high-value transactions and to provide an incentive for agents to maintain sufficient float. As a result, as shown in the table below, deposit commissions have increased by 12 percent to 170 percent across the bands.
Safaricom has also introduced a cheaper rate band for transfers and micropayments, ranging from Kshs 10 to Kshs 49, in order to encourage more Kenyans to use the services, hence promoting Financial Inclusion. Safaricom has added 11 new transaction bands to combat split and direct deposits, which are subject to severe penalties if done by unethical agent assistants.
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Below is the detailed 2022 Mpesa agent commission structure for deposits.
| Transaction Band | Commission |
| 50 -100 | 4 |
| 101 – 510 | 8 |
| 511 – 1,010 | 9 |
| 1,011 – 1,510 | 10 |
| 1,511 – 2,510 | 11 |
| 2,511 – 3,510 | 12 |
| 3,511 – 5,010 | 14 |
| 5,011 – 7,510 | 20 |
| 7,511 – 10,010 | 28 |
| 10,011 – 15,010 | 40 |
| 15,011 – 20,020 | 55 |
| 20,021 – 25,020 | 71 |
| 25,021- 30,020 | 87 |
| 30,021 – 35,020 | 103 |
| 35,021- 40,020 | 119 |
| 40,021 – 45,020 | 135 |
| 45,021- 50,020 | 150 |
| 50,021 – 70,000 | 190 |
| 70,001- 150,000 | 190 |
Safaricom also re-looked at the commissions and reduced the commissions in some of the bands as highlighted below and kept others constant in an effort to encourage more deposit transactions.
The detailed Mpesa agent commission structure for withdrawals (Registered and Unregistered) is as shown below.
| Mpesa Agent Commissions for Withdrawal Transactions | ||
| Transaction Bands | Commissions
(Registered Customers) |
Commissions
(Unregistered Customers) |
| 10 – 49 | N/A | N/A |
| 50 – 100 | 5 | N/A |
| 101- 500 | 8 | 8 |
| 501 – 1,000 | 10 | 10 |
| 1,001 -1,500 | 12 | 12 |
| 1,501 – 2,500 | 15 | 15 |
| 2,501 – 3,500 | 20 | 20 |
| 3,501 – 5,000 | 25 | 25 |
| 5,001 – 7,500 | 30 | 30 |
| 7,501- 10,000 | 35 | 35 |
| 10,001 – 15,000 | 45 | 45 |
| 15,001 – 20,000 | 60 | 60 |
| 20,001 – 25,000 | 65 | 65 |
| 25,001 – 30,000 | 70 | 70 |
| 30,001 – 35,000 | 70 | 70 |
| 35,001 – 40,000 | 100 | N/A |
| 40,001 – 45,000 | 150 | N/A |
| 45,001 – 50,000 | 180 | N/A |
| 50,001- 150,000 | 200 | N/A |
At the end of the month, the commission earned is paid to the MMF account of the organisation less the 5% withholding tax. The organisation can decide to withdraw the cash or transfer it to float account.
