How to Top Up PayPal Using Mpesa

How to Top up paypal using mpesa

M-Pesa’s growing popularity across Kenya, Tanzania, and recently Ethiopia has made it a vital financial tool for many, and now, with PayPal among its partners, you can use M-Pesa to top up your PayPal account.

Despite some claims about confusing documentation and clunky interfaces, this guide will show you how straightforward it is to deposit funds from M-Pesa into your PayPal account.

To top up your PayPal account using M-PESA, follow these steps:

  1. Link Your PayPal and M-PESA Accounts:

    • Visit the PayPal Mobile Money Service with M-PESA website.
    • Log in with your PayPal credentials.
    • Enter your M-PESA phone number.
    • Confirm the linking through the verification code sent to your phone.
  2. Top Up Your PayPal Account:

    • Log in to the PayPal Mobile Money Service with M-PESA portal.
    • Click on “Top Up.”
    • Enter the amount in USD you wish to add to your PayPal account and click “Calculate” to view the equivalent amount in Kenyan Shillings (KES).
    • On your phone, go to the M-PESA menu, select “Lipa na M-PESA,” then “Pay Bill.”
    • Enter Business Number 800088.
    • Use your phone number as the account number.
    • Enter the calculated amount in KES.
    • Confirm the transaction with your M-PESA PIN.

The funds should reflect in your PayPal account shortly after completing these steps.

Pros of Using PayPal with M-PESA:

  • Fast Transactions: Quick transfers between accounts.
  • Reasonable Withdrawal Limits: Flexibility in accessing funds.
  • Enhanced Security: Two-factor authentication for account protection.
  • User-Friendly Interface: Easy navigation and use.
  • Low Fees: Only 1% of the transaction value is charged as fees.

Cons:

  • Account Limitations: Kenyan users are allowed only one PayPal account per registered phone number.
  • Customer Support Challenges: Limited support options if account issues arise.
  • Cancellation challenges: Once a transaction has been initiated, it cannot be cancelled

For more detailed information, refer to the Safaricom M-PESA PayPal FAQ. You can also read our guide on the PayPal to M-pesa Withdrawal process.

 

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