M-Pesa-to-PayPalThe news that Safaricom and PayPal have brokered a deal via TransferTo to enable M-Pesa users to withdraw from and deposit into their PayPal wallets via M-Pesa has been well received but the challenge is, the process is not as straightforward as we would have wished it to be. So here’s a quick guide on how to use the service:

Withdrawing from PayPal

M-Pesa to PayPal 1

First, access PayPal’s Mobile Money portal

  • Tap on the GET STARTED button that will redirect you to log in with your PayPal credentials
  • Give the service access to your PayPal account by clicking on AGREE on the popup menu
  • Add your M-Pesa phone number, you will receive a verification code that you will use to LINK YOUR ACCOUNT

You will have to access this portal everytime you want to withdraw money from your PayPal account, there’s no other way.

Depositing to PayPal

The service allows one to deposit into their PayPal wallet and the process is as follows:

  • Open M-Pesa on your phone
  • Go to PayBill and enter PayBill number 800088
  • Enter the phone number you linked your PayBill account to as the account number
  • Enter Amount and complete the transaction

One thing to note, the service is not free. You will be charged certain fees such as 3% conversion rate when withdrawing and 4% conversion rate when depositing and M-Pesa PayBill charges that can go up to Kes.220 when making deposits. Also, it is unfortunate that TransferTo has not implemented M-Pesa’s new API, seeing that this service is being officially supported by Safaricom is even more disappointing that we have to do things, old school.


  1. The PayPal Mobile Money portal doesn’t seem to work… Gives back a 305 error message. Is it yet implemented?

  2. I just made a first attempt with some thirty dollars, I received confirmation that it will arrive in 2hrs. Assuming it does, the method is really cost-effective. $30 would hit my mpesa account as KES 2947. Let’s wait and see…

  3. Your right this is so poorly designed. It should automaticaly withdraw the money from mpesa account just like google play store does when you make a purchas

  4. Deposit via Mpesa gives a “Failed . The format of your account number was incorrect…..” Message. What is the correct format of the account number to be used ??

  5. Just make sure the name on your mpesa statement matches that of your paypal account otherwise you’ll get an error that says accounts do not belong to the same person.

  6. This might sound silly bt i gotta ask.
    Does this mean if i load my account with $$$ i can purchase products on other anysite with paypal option.

  7. I just tried a deposit and withdraw of dollars and it worked. I must admit this is one of Mpesa’s best service.

  8. Thank you Safaricom. I made my withdrawal and in 2 hrs i had my money in my m-pesa wallet. plus it’s very cheap than withdrawing through my Equity bank account. Thanks. Cheers

  9. Works like a charm!Verified with text and they said money will be received in 2hrs!
    Will try deposit later and post a review..MPESA agents will surely be utterly useless now!Moreover saving citizens the dreaded counterfeit notes from being supplied by gangs!

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