M-pesa agents in Kenya are the lowest in ranking in the M-pesa pyramid structure. The agents are the people you will find in the kibanda and mama mboga in the neighborhood. The structure works such that to get into the Safaricom agency business, you need a super agent who will give you the M-pesa like to be used for transacting.
The M-pesa agent earnings are commission based, and the more transactions an agent is able to carry out, the more he will earn. Commissions are earned on money deposits and withdrawals alike. Here are the commission rates
Commissions On M-pesa Deposits
For every M-pesa deposit made, the agent will earn as follows;
| Transaction Amount Range | Commission in Ksh. |
| 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 |
Commissions On M-pesa Withdrawals
For every withdrawal done at the M-pesa agent, the agent earns the following money;
| Transaction Amount Range | 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 |
See also:
- Is Fuliza A Loan Or A Credit Facility?
- How To Check Fuliza Limit
- Cooperative Bank Of Kenya Branch Codes
- How To Get M-pesa Statement
- How To Reverse M-pesa Transaction
- How To Buy Airtel Airtime From M-Pesa
- How To Link PayPal With M-Pesa
- M-Pesa Transaction Charges
- M-Pesa Impact On The Kenyan Society
- M-pesa Paybill Charges
- What Is Fuliza?
Conclusion
As can be see from the tables, the amount earned will increase with the money involved in the transaction. The more money a customer transacts, the more M-pesa charges he pays and therefore the more the agent earns. This means, the location of M-pesa agent is very important in determining M-pesa agent earnings. Locating the M-pesa agency in areas with high movement of people is a big win. Areas like shopping centers, markets, shopping malls, town centers will make a lot of sense and will earn you higher commissions.
