M-PESA Ratiba lets you schedule recurring payments. Calculate the total cost across all scheduled occurrences, including the flat KES 5 Ratiba fee per transaction.
M-PESA Ratiba automates recurring send-money payments — rent, savings contributions, loan instalments — on a schedule you set. Every scheduled payment costs the normal M-PESA send-money fee plus a flat KES 5 Ratiba service fee.
Per-Transaction Cost
Each scheduled payment is charged the standard M-PESA send-money fee for that amount, plus KES 5 on top for the Ratiba service itself.
Total Cost Over Time
Set how often the payment recurs (weekly or monthly) and for how long, and the calculator multiplies the per-transaction cost across every scheduled occurrence to show the total fees paid over the full schedule.
How much does M-PESA Ratiba cost per transaction?
Each M-PESA Ratiba payment costs the standard M-PESA send-money fee for that amount, plus a flat KES 5 Ratiba service fee.