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How to link your PayPal account to M-Pesa and withdraw money.

How to link PayPal with M-Pesa

In this post I'll show you how to link your paypall account with Mpesa, how to send money from mpesa to paypal and transfer from paypal account to mpesa.
Many Kenyans are now finding themselves in a position that they need to use an internal money transfer in one way or another, either to receive money from abroad, make international payments, pay bills like Netflix Subscriptions and so much more.
While that can be done easily and conviniently using PayPal, the initial process of loading your Paypal wallet used to be a tricky one, either having to go to your bank Branch to link your bank account to PayPal or having a friend send you money from their PayPal account, mostly with a small fee.
In order to shorten this long process, Safaricom and PayPal have partnered with the help of TransferTo so as to allow registered M-Pesa users in Kenya link their M-Pesa and PayPal accounts, as well as easily transfer money between the two accounts.
With this you can now trade and transact internationally with ease and confidence thanks to this new paypal-mpesa partnership that is part of the M-Pesa Global Initiative.
With over 240 million active registered accounts, PayPal is a world leader in online money transfer services with operations in almost the whole world.
On the other hand, Safaricom Mpesa is Kenya's leading mobile money transfer service with the latest statistics from communications authority of Kenya showing that Mpesa is almost hitting the 24 million subscriber mark.
This means that such a partnership is good news to many Kenyans as they can now trade and do business internationally without much worries of losing their money to international cyber attacks or scams.

How to link Mpesa with your Paypal account.
First you must be a registered Mpesa user and have a valid Kenyan PayPal account.
  1. Go to
  2. Click on get started.
  3. Enter your login email address then your PayPal password and login.
  4. You will now have to accept Transfer to terms and conditions by clicking agree.
  5. Enter your Safaricom mobile number and click on 'link your account'.
  6. A 4 digit verification code will be sent to your mobile. Enter this code to complete your linking.
  7. Next time you log in you will be taken to the page that displays your Paypal balance as well as two options to withdraw to M-Pesa or too up your PayPal account.
After successful linking of the two accounts you can now send and withdraw money to and from PayPal at any time directly to your phone.
How to send money from Mpesa to PayPal account.
  1. Go to Lipa na Mpesa.
  2. Enter playbill number 800088.(You can get this paybill number when you log in to your PayPal account using the above link)
  3. Enter your mobile number as the account number.
  4. Enter the amount in Ksh. Followed by your Mpesa pin and OK.
Please note that PayPal uses the Us dollar and if you want to know the exact amount to convert there is an up to date currency conversion rate when you log in to PayPal using above link.
You will be charged 4% of the amount as service fee.
How to withdraw money from PayPal to Mpesa.
  1. Log in to your PayPal account at
  2. Click on 'Withdraw from PayPal'.
  3. Enter the amount to withdraw in Us dollars .
  4. Click 'Continue to Withdraw'.
The funds will be processed to your M-Pesa account in 2 hours to 3 calenders days after the transaction confirmation.
Please Note:
  • The M-Pesa PayPal service is available only on the link given above, and you won't see it if you log in using the internal PayPal account sign up page.
  • You should have sufficient amount in your account to withdraw as well as pay for the transaction charges.
  • You will be charged 3% of the withdrawn amount as service charge.
Before this partnership, many Kenyans used to rely on Equity to transact on PayPal but the fact that it used to take a lot of time for the transaction to complete did not go down well with many.
There were also fears that by linking your bank account to an international payment platform like PayPal was opening your bank details to international eyes who could wipe you clean of your money made many Kenyans hesitant of doing such a link.
On the other hand, the mpesa- PayPal partnership has many advantages some of which are:
  • The transactions can now be completed within a very short period of time as compared to before.
  • Your bank details are not exposed internationally and therefore you don't need to wory of loosing your money to international scams.
Mpesa has become a critical way of Kenyan life and many find it easier and safer to transact on Mpesa than any other means.


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