Safaricom Enables PayPal Withdrawals Via M-Pesa . How to Use it

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The new service will allow Kenyans to sell and buy globally by linking their PayPal and M-PESA accounts

Safaricom (NSE: SCOM), PayPal and TransferTo have today announced a collaboration on a new service that will allow movement of funds between M-PESA and PayPal accounts, a huge boost to international eCommerce.

Qualifying M-PESA customers in Kenya can link their PayPal accounts to their M-PESA wallets, enabling them to easily and securely buy goods and services from merchants around the globe.

In addition, M-PESA customers can still receive and withdraw money from more than 140,000 agents across the country.

Similarly, the new service will give Kenyan merchants the opportunity to boost their reach and grow their business internationally.

“M-PESA’s collaboration with PayPal will open up global market places and the global economy to millions of Kenyans and Kenyan-based businesses. Beyond money transfers, this development ushers in a new era of speed and convenience beyond borders, as we work towards innovating robust platforms through which more entrepreneurs and consumers can benefit from the growing eCommerce industry”, said Joseph Ogutu, Director – Strategy, Safaricom.

To make online purchases, customers will be required to set up PayPal accounts, which they can top up in real-time using their M-PESA balances. Customers can then withdraw funds within a timespan of few hours to three days, depending on the transaction amount.

In addition to linking Kenyan businesses and shoppers to more than 18 million merchants around the world through PayPal, the new service will also allow local businesses to sell their goods and services to more than 210 million active PayPal users across the globe in up to 25 international currencies.

“PayPal’s collaboration with M-PESA is part of the company’s long-term strategy to enable e-commerce and democratise financial services on the African continent,” says Efi Dahan, PayPal General Manager for the Middle East, Africa, and Russia.

“We are excıted to brıng the M-PESA mobile wallet and PayPal joint services to the Kenyan market, which makes it more convenient and secure to withdraw and add money to their accounts while participating in the global digital economy,” said Dahan.

“We are proud to have been chosen by these two world-class payments providers to bridge the gap between the services offered in developed countries with those available in emerging markets – which is the cornerstone of TransferTo’s mission,” said Peter De Caluwe, CEO at TransferTo.

“This service is a major milestone in the evolution of cross-border mobile payments, in that TransferTo’s technology is creating a fundamental link between M-PESA users in Kenya and PayPal’s global network, and seamlessly connecting Kenyan shoppers and businesses to the global eCommerce world,” said De Caluwe.

To qualify your accounts and transact between the two services, please visit the M-PESA PayPal portal on



Paypal to Mpesa Frequently Asked Questions

About the Service

What is the PayPal Mobile Money Service with M-PESA? 

This is a money transfer service for PayPal and M-PESA customers, enabling joint customers to move funds between their own accounts. The service is provided by TransferTo in partnership with Safaricom and PayPal.

Who operates the service?

The Service is operated by TransferTo in cooperation with PayPal and Safaricom. TransferTo is a B2B mobile payment network connecting financial institutions and mobile operators globally.

Can I use this service? 

To qualify, you must have an eligible Kenyan PayPal and M-PESA account.

Do I have to create an account to use this service? 

In order to use the PayPal Mobile Money Service with M-PESA, you need to have a qualifying Kenyan PayPal and M-PESA account. When registering to use this service, you'll then link your two accounts and will be able to move your money from one to the other.

How do I create a PayPal account? 

Sign up for a PayPal account at and follow the steps to complete registration. While signing up requires adding card details, the account will still be created even if you don't add a card. To finish setting up your PayPal account, simply click on the PayPal logo at the top left or click on the link in the email from PayPal to confirm your email address.

How can I create an M-PESA account? 

You can register for M-PESA at any M-PESA agent outlet across Kenya.

How do I register for this service?
  1. Log in with your PayPal login details (email and password).
  2. Enter your M-PESA account phone number.
  3. After submitting your account details, TransferTo, on behalf of M-PESA, will send you a 4-digit verification code to the mobile number associated with your M-PESA account.
  4. Please enter the code to confirm and complete the account linkage.
  5. That's it! Next time you can log in directly with your PayPal email and password and get started.
How do I withdraw money from PayPal to my M-PESA account? 
  1. After completing the registration, click "Withdraw".
  2. Your available balance will be displayed. You will only be able to withdraw money up to the available USD balance shown in your PayPal account. If you hold a balance in your PayPal account in a different currency, please log in to your PayPal account at and convert the money into USD.
  3. Enter the amount you would like to withdraw from your PayPal account in USD.
  4. You will be redirected to a page showing the amount to be received in KES, the exchange rate used for the currency conversion, and the estimated transaction processing time.
  5. Confirm and complete the withdrawal of funds.
How do I top up my PayPal account using my M-PESA balance? 
  1. After completing the registration, click "Top Up".
  2. Enter the amount you would like to top up in USD and click "Calculate" to get the equivalent amount converted in KES. This is the KES amount you need to transfer from your M-PESA account. The exchange rate used will be displayed on the same page.
  3. Go to your M-PESA menu and select "Lipa na M-PESA" then the "Pay Bill" option.
  4. Enter Business Number 800088.
  5. Enter your phone number as the Account Number.
  6. Enter your M-PESA PIN and click "Send".
  7. Use your newly topped up balance to easily and more securely shop online or send payments with PayPal.
Can I send money to someone else? 

Both PayPal and M-PESA accounts must be held in the same name and you can move money between your accounts. The service does not support money transfers between different people.

Which browser can I use to access the service? 

To access the PayPal Mobile Money Service with M-PESA you need to use one of the following browsers:

  • Internet Explorer version 9 and later
  • Chrome version 27 and later
  • Firefox version 30 and later
  • Safari version 5.1 and later
  • Opera version 23 and later



What charges apply for using this service? 

We will charge you a fee when you top up or withdraw funds.

  • For withdrawals: you will be charged a 3% conversion fee of the amount withdrawn.
  • For topping up: you will be charged a 4% conversion fee of the amount topped up. Regular M-PESA charges apply to all other transactions (M-PESA will charge you a customer to business paybill charge as detailed in the Terms and Conditions).


Can I top up and withdraw funds into any currency? 

With PayPal, you can top up and withdraw funds in USD only; you can manage your M-PESA account in KES only. If you have multiple currencies in your PayPal account, you will need to convert those funds into USD if you wish to withdraw the PayPal balance to your M-PESA account. To convert the funds, go to your "Manage Currencies" section in your PayPal account.

Where can I see the exchange rate that applies on my transactions? 
  • For withdrawals: the exchange rate will appear before confirming the transaction.
  • For top ups: the exchange rate appears when using the calculator at the bottom of the top up page.
How long does it take to transfer the money? 
  • For withdrawals: after you have confirmed the transaction, it takes between 2 hours to 3 calendar days to process a withdrawal from your PayPal account to your M-PESA account, depending on the transaction value. The estimated time will be presented to you before confirming the transaction.
  • For top ups: Top Ups to your PayPal account will generally be processed in real time, but may take up to 4 hours. If your PayPal balance is not in USD, you will need to log in to your PayPal account to confirm the top up request.
How do I know when the funds have been credited to my account? 

You will receive a confirmation text from M-PESA and an email from PayPal. You can also check the status of the transaction in the Transaction History page.

What are the daily transaction limits? 

Transactions are subject to the daily limits as set by PayPal and M-PESA.

Current M-PESA transaction limits apply (70,000 KES per transaction and 140,000 KES per day).

Can I cancel a transaction I've made? 

Unfortunately, once you've confirmed a top up or withdrawal, you won't be able to stop or reverse it. Please see our Terms and Conditions for more information.

How do I look for previous transactions? 

Go to the Transaction History page or log in to your PayPal account.


I haven't received the funds in my account. 

If after the estimated processing time and you haven't received the funds in your account, you can get in touch with us. Please include the transaction ID and your email address and we will get back to you as soon as possible. Your transaction ID can be found under Transaction History.

I can't link my accounts. 

If you have a problem linking your PayPal and M-PESA accounts, please contact us.

PayPal and M-PESA account management

M-PESA and PayPal accounts are not administered by TransferTo. Accordingly, we can not provide you with an M-PESA or PayPal account transaction history.

Getting in touch

Got a question regarding your top up or withdrawal? We can help! Just send us your question through this Contact Us page. Please contact PayPal or M-PESA directly if you have any specific account related queries.


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