Paystack Fee Calculator Kenya
Calculate exact processing rates, local payments, and gross-up invoices in KES.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Client Invoice Message Generator (Kenya) ▼
Frequently Asked Questions (Paystack Kenya)
What is the fee for accepting M-PESA via Paystack Kenya? ▼
Paystack charges a flat 2.90% fee on all M-PESA transactions and domestic Kenyan card payments with zero hidden setup fees.
How does Paystack M-PESA STK Push checkout work in Kenya? ▼
When a buyer checks out, an STK push pop-up appears on their mobile phone prompting them to enter their M-PESA PIN, confirming payment in seconds.
What are Paystack rates for international cards in Kenya? ▼
International credit and debit cards incur a 3.80% flat fee with zero fixed per-transaction fee.
How do you calculate a gross invoice for Kenyan M-PESA payments? ▼
To receive exactly KSh 10,000 net after Paystack's 2.90% fee, calculate: Gross = 10,000 / (1 - 0.029) = KSh 10,298.66.
When are Paystack payouts deposited into Kenyan bank accounts? ▼
Payouts deposit within 1 to 2 business days into Kenyan commercial bank accounts (Equity Bank, KCB, NCBA, Stanbic).
Can Kenyan merchants process recurring subscriptions on M-PESA? ▼
Paystack enables card tokenization for automated recurring subscriptions, with scheduled recurring M-PESA prompts.
What fraud protection exists for Paystack Kenya transactions? ▼
All transactions are protected by automated fraud filters and M-PESA phone number validation, minimizing fraudulent claims.
Are Paystack processing charges tax-deductible in Kenya? ▼
Yes. All fees deducted are 100% tax-deductible business operational expenses under Kenya Revenue Authority (KRA) tax laws.