Kenya’s fastest M-Pesa micro-wallet. Deposit via STK push, send P2P payments in seconds, and withdraw anytime. No app download needed.
Minimum P2P Fee
M-Pesa Withdrawal Fee
Instant Wallet Setup
See exact transparent fees for P2P transfers and M-Pesa withdrawals in Kenya.
Experience banking-grade security with the convenience of sending a chat message.
Send KES to any friend or seller using their Telegram Wallet ID. Zero delays, instant confirmation cards in chat.
Top up your balance in seconds. Prompt an instant M-Pesa STK push directly to your Safaricom phone.
Withdraw your funds back to your M-Pesa line anytime. Track progress with automatic Telegram notification cards.
Generate deep-links like t.me/telepayuser_bot?start=pay_123. Anyone who clicks can pay you in 1 tap.
Every transaction requires your 4-digit PIN, salted and hashed with military-grade PBKDF2. Self-reset anytime.
Export your full ledger transaction history as a downloadable CSV spreadsheet directly inside your Telegram chat.
No complex KYC forms or waiting lines. Start transacting immediately.
Open the bot on Telegram and tap Start. Your wallet is created instantly.
Set a secure 4-digit security PIN via /setpin to authorize transfers and withdrawals.
Tap Deposit, enter your Safaricom number and amount. Enter your M-Pesa PIN on your phone.
Send KES to friends, pay merchants via links, or withdraw back to M-Pesa with 1 tap.
No hidden charges. Clear, predictable rates for every transaction.
| Transaction Range (KES) | P2P Transfer Fee | Platform Limit Guard |
|---|---|---|
| KES 1.00 – KES 10.00 | KES 1.00 | Max per tx: KES 49,999 |
| KES 11.00 – KES 49.00 | KES 2.00 | Daily Limit: KES 100,000 |
| KES 50.00 – KES 99.00 | KES 5.00 | Daily Limit: KES 100,000 |
| KES 100.00 – KES 299.00 | KES 10.00 | Daily Limit: KES 100,000 |
| KES 300.00 – KES 499.00 | KES 15.00 | Daily Limit: KES 100,000 |
| KES 500.00 – KES 999.00 | KES 40.00 | Daily Limit: KES 100,000 |
| KES 1,000.00 – KES 2,999.00 | KES 70.00 | Daily Limit: KES 100,000 |
| KES 3,000.00 – KES 4,999.00 | KES 100.00 | Daily Limit: KES 100,000 |
| KES 5,000.00 – KES 7,499.00 | KES 130.00 | Daily Limit: KES 100,000 |
| KES 7,500.00 – KES 9,999.00 | KES 160.00 | Daily Limit: KES 100,000 |
| KES 10,000.00 – KES 14,999.00 | KES 180.00 | Daily Limit: KES 100,000 |
| KES 15,000.00 – KES 19,999.00 | KES 200.00 | Daily Limit: KES 100,000 |
| KES 20,000.00 – KES 34,999.00 | KES 225.00 | Daily Limit: KES 100,000 |
| KES 35,000.00 – KES 49,999.00 | KES 300.00 | Daily Limit: KES 100,000 |
Everything you need to know about using TelePay on Telegram.
/resetpin or tap [🔑 Reset PIN Automatically] in the bot, and a new random 4-digit PIN will be generated and delivered privately to your chat.
Join users enjoying instant, frictionless peer-to-peer payments on Telegram.
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