PayPal To MPesa – How to link your PayPal with Mpesa

Discover PayPal to Mpesa – a service that allows Kenyan users to transfer funds between the two platforms.

What is PayPal Mpesa?

PayPal to Mpesa refers to linking a PayPal account to a Mpesa account, allowing users in Kenya to transfer funds between the two platforms. Mpesa is a mobile payment platform widely used in Kenya, while PayPal is a global online payment system accepted by merchants and online services in over 200 countries.

Linking the two platforms allows users to easily top up their PayPal accounts with funds from their Mpesa account and withdraw funds from PayPal to Mpesa. This integration provides a convenient and secure way for Kenyans to access global online markets and make online payments using their mobile phones.

The benefits of using PayPal with Mpesa

Linking your PayPal account with Mpesa can provide a convenient, secure, and flexible way to make online payments and access global markets. Check out some of the benefits of using PayPal Mpesa.

1. Convenience

Linking your PayPal account with Mpesa allows you to easily send and receive payments from anywhere in the world using your mobile phone.

2. Global reach

PayPal is a widely accepted payment platform, accepted by merchants and online services in over 200 countries. By linking your Mpesa account, you can easily pay these merchants and services, even if they do not support Mpesa directly.

3. Security

PayPal uses advanced encryption technology and fraud detection systems to protect your transactions and personal information, providing an extra layer of security when making online payments.

4. Flexibility

With PayPal, you can use various payment methods, including credit cards, debit cards, and bank transfers. By linking your Mpesa account, you can easily top up your PayPal balance and use it to make payments without needing a bank account or credit card.

5. Speed

Transactions between PayPal and Mpesa are usually processed quickly, allowing you to access your funds almost immediately.

How to link your PayPal account with Mpesa

To link your PayPal account with Mpesa, you can follow these simple steps:

  • Log in to your PayPal account and go to the “Wallet” section.
  • Click “Link a bank or card” and select “Link a card.”
  • Enter your Mpesa mobile number in the card number field and fill in the other required details, such as the card expiration date and security code.
  • Click “Link Card” to initiate the verification process.

PayPal will send a code to your Mpesa phone number. Enter the code into your PayPal account’s “Confirm card” section. Once the verification process is complete, you can use your PayPal account with Mpesa.

How to withdraw money from PayPal to Mpesa

To withdraw money from PayPal to Mpesa, follow these steps:

  • Go to the Paypal Mpesa Website by Thunes.
  • Click on Get Started and Log in to your PayPal account.
  • Click on “Withdraw from PayPal.”
  • Enter the amount you would like to withdraw.
  • Click Continue to Withdraw.
  • Confirm the exchange rates and amount.
  • Click Withdraw.

PayPal will process the withdrawal request. Once the transaction is complete, you’ll receive funds in your Mpesa account. The time can vary within minutes or hours, depending on the amount.

How to top up your PayPal account using Mpesa

To top up your Paypal account using Mpesa, follow the steps below.

  • Go to PayPal Mobile Money Service.
  • Log in using your Paypal account details.
  • Click Top Up to Paypal.
  • Enter the amount you want in your PayPal account in USD.
  • Click on calculate and confirm the Kenya Shillings equivalent.
  • Go to your M-PESA Wallet.
  • Select “Lipa na M-PESA,” then “Pay Bill.”
  • Enter 800088 as the business and your phone numbers as the account numbers.
  • Enter the Ksh equivalent and then click on Pay.

And that’s it! You will receive an SMS confirming that USD was added to your PayPal balance. You can also check the balance on your account.

Fees involved when using PayPal with M-Pesa

Payments in Kenya charge up to 4.4% transaction fees for payments and a fixed fee of $0.30.

PayPal applies transaction fees when sending and receiving payments, with rates of 4.4% of the transaction value plus a fixed fee of around $0.30 (the amount may vary based on the currency used).

These fees may be charged to the sender or receiver, or split between the two, depending on the type of transaction and the countries involved.

It is important to note that PayPal’s fees may change over time and can differ depending on the specific circumstances of the transaction, so it is advisable to review the latest fee information on their website or consult with PayPal’s customer support team for details.

Common issues with linking PayPal and Mpesa accounts

While linking PayPal and Mpesa accounts is generally straightforward, some common issues that may arise include:

#1 Verification problems

PayPal may not be able to verify your M-Pesa account details, leading to issues with linking the two accounts.

#2 Currency conversion issues

Mpesa uses Kenyan Shillings (Ksh), while PayPal supports multiple currencies. Converting currency between the platforms can lead to fees and exchange rate issues.

#3 Technical difficulties

Glitches may occur during the linking process, causing errors or delays.

#4 Security concerns

There may be concerns about personal and financial information security when linking PayPal and M-Pesa accounts.

#5 Funds not reflecting

There may be delays in funds reflecting in the M-Pesa account after a withdrawal or payment from PayPal.

If you encounter any of these issues, it is recommended that you contact PayPal or Mpesa customer support for assistance in resolving them.

Frequently Asked Questions About PayPal to M-Pesa

If you’re new to PayPal to M-Pesa or considering using this payment integration, you may have some questions about how it works and what to expect. In this FAQ section, we’ll address some of the people’s most common questions about PayPal to M-Pesa and provide helpful answers to guide you.

1. What is PayPal to M-Pesa?

  • PayPal to M-Pesa is a payment integration that enables Kenyans to transfer funds between PayPal and M-Pesa accounts.

2. How do I link my PayPal account with M-Pesa?

  • To link your PayPal account with M-Pesa, you need to have an active M-Pesa account and follow the instructions provided by PayPal.

3. Can I withdraw money from PayPal to M-Pesa?

  • Yes, you can withdraw money from PayPal to M-Pesa.

4. What are the fees for using PayPal to M-Pesa?

  • The fees for using PayPal to M-Pesa vary depending on the transaction amount and currency but typically include a percentage-based fee and a fixed fee.

5. How long does it take to withdraw money from PayPal to MPesa?

  • Transfer times from PayPal to M-Pesa can vary but typically take a few minutes to a few hours.

6. Is it safe to use PayPal to M-Pesa for online transactions?

  • Yes, PayPal to M-Pesa is a secure and reliable payment method.

7. What should I do if I encounter issues using PayPal to M-Pesa?

  • If you encounter any issues while using PayPal to M-Pesa, you should contact PayPal or M-Pesa customer support for assistance.

8. Can I use PayPal to M-Pesa to make international payments?

  • Yes, PayPal to M-Pesa can be used to make international payments, subject to PayPal’s terms and conditions.

9. How can I check my PayPal to M-Pesa transaction history?

  • You can check your PayPal to M-Pesa transaction history by logging into your PayPal or M-Pesa account and viewing your transaction history.


I hope this guide has helped you learn how to link your PayPal account with Mpesa. Following the simple steps outlined above, you’ll enjoy the convenience and flexibility of using PayPal to transfer funds to and from your M-Pesa account.

If you have any questions or need further assistance, please contact PayPal or M-Pesa customer support. Happy transacting! is the go-to platform for anyone looking for credible, informative, and entertaining content about Kenya and beyond.

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