Simple, transparent pricing
Pay only for successful transactions. No monthly fees, no setup costs, no surprises.
Pay as you go
Custom rates available for high-volume merchants
- Unlimited API keys
- Real-time merchant dashboard
- Signed webhook notifications + delivery logs
- STK Push, Paybill (C2B) and B2C payouts
- Inline settlement to any till or paybill
- Drop-in POS modules (Node, Python, PHP)
- Email support
- No monthly fees, no setup fees
What 1.5% looks like
Worked examples for common transaction sizes.
| Customer pays | SunPay fee | You receive |
|---|---|---|
| KES 100 | KES 1.5 | KES 98.5 |
| KES 500 | KES 7.5 | KES 492.5 |
| KES 1,000 | KES 15 | KES 985 |
| KES 5,000 | KES 75 | KES 4,925 |
| KES 10,000 | KES 150 | KES 9,850 |
Pricing FAQ
When am I charged?
Only on successful transactions. Failed STK prompts, cancelled payments, and reversals are all free.
How is the fee deducted?
Automatically from each successful transaction. The net (amount minus fee) lands in your SunPay wallet, which you can withdraw to your M-Pesa Paybill, till, or phone anytime.
Do you have volume discounts?
Yes. High-volume merchants can be assigned a custom fee rate by our team. Contact us once you're consistently processing more than KES 1M/month.
Are there hidden fees?
No. No monthly subscription, no setup fee, no API key fee, no webhook fee, no dashboard seat fee. You pay a percentage of successful transactions and nothing else.
What about M-Pesa's own charges?
Safaricom's transaction costs are separate and are deducted by M-Pesa from the customer or merchant per their tariff. SunPay's 1.5% is our fee for handling the integration.