How To Link Or Unlink Your PayPal Account From M-Pesa (Step-by-Step Guide)

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Learning how to link PayPal to MPesa is a crucial step towards financial freedom, especially in Kenya. In the digital era, many people use electronic payment systems to conduct transactions. Among the popular ones are PayPal and M-Pesa. Getting to connect M-Pesa to a PayPal account is possible, which will enable you to send and receive funds through the two platforms.

An M-Pesa PayPal connection is the height of convenience. It simplifies the transfer of money from one person to another since it allows people who do not have bank accounts, as well as those without access to traditional banking services, to use e-wallet platforms such as Connect M-Pesa to PayPal accounts.

Linking PayPal to M-Pesa will enable you to transfer money from your PayPal account to your M-Pesa account and vice versa. Connecting M-Pesa with PayPal is very easy, and this guide has been designed to help those who want to connect the two accounts.

How to Link PayPal Account to M-Pesa

To link the two financial services together, the most advisable service to use is Thunes. They are a global money transfer solution operating in more than 190 countries. In our case of linking M-Pesa to PayPal via Thunes, we will use paypal-mobilemoney, a third-party service that uses Thunes’ API to facilitate the transactions.

In order to begin the link process, make sure the number you used to register on PayPal is the same number you will use for M-Pesa transactions, as you cannot edit this from Thunes end. Then navigate to paypal-mobilemoney website and log in to your PayPal account. It is that easy.

How to Deposit Funds from M-Pesa to PayPal?

Log in to the PayPal-MobileMoney service using your Paypal credentials.
Click Top Up To PayPal.
Using their calculator, determine how much will be credited to your PayPal account based on the current exchange rates
Open your M-PESA, select “Lipa na M-PESA,” then “Pay Bill.”
Enter 800088 as the business number, and your phone number as the account number.

Just like depositing funds from M-Pesa to PayPal, withdrawing is almost a similar process. On the paypal-mobilemoney website, select withdraw from PayPal and follow the prompts. Read our full guide on how to withdraw from PayPal to M-Pesa and all you need to know.

How to Unlink M-Pesa from PayPal

If you’re in a situation where you need to unlink your M-Pesa number from PayPal, don’t worry—there’s a workaround! Since the PayPal-MobileMoney portal doesn’t have the ability for you to simply swap out your linked M-Pesa number, the best way to go about this is by changing the primary phone number on your actual PayPal account.

Here’s what you need to do:
1. Log in to your PayPal account (on a browser, not the PayPal app).
2. Go to Settings (click the gear icon in the top right).
3. Under the Phone section, click Add a new number and enter your preferred phone number.
4. Verify the new number (PayPal will send a confirmation code).
5. Once verified, set the new number as your primary by selecting it and clicking “Make this primary.”
6. Remove the old number (this step is optional but helps avoid confusion).
Now that your new number is the primary one on PayPal, you have successfully unlinked the old one.

Final Take

When all is said and done, learning how to link a PayPal account to M-Pesa becomes a really cool feature. If you are looking to make international payments and transfers, these two services can help you do just that. A Paypal M-Pesa connection can be invaluable for a Kenyan, helping you to carry out your transactions conveniently and even shop for goods on the global landscape.

Always remember that, for most Kenyan traders, PayPal will allow you to trade with international clients, and M-Pesa will be there for your local needs. Understanding this will add a bit of weight for you to abide within the terms and conditions of PayPal.