The Complete Guide to PayPal M-Pesa Link

You are reading this article for because of 1 main reason. You want to know about Paypal M-Pesa Link. And that’s what we’re going to talk about in this blog post. From there, we’ll answer all your questions and give you the basic information you need to get started.

What is PayPal M-Pesa Link?

PayPal M-Pesa Link is a service that allows customers to connect their PayPal and M-Pesa accounts, enabling them to send money from their PayPal balance to their M-Pesa account. Customers can also use the service to top up their PayPal balance using M-Pesa.

The service is currently available in Kenya but will be rolled out to other countries in Africa in the future.

How do I link my M-PESA Account to my Existing PayPal Account?

Visit and follow the instructions below to link your M-PESA account to your PayPal account.

  • Click on ‘Link accounts,’ and you will be taken to another page where you will log in to your Paypal account.
  • Enter the email address associated with your main PayPal account.
  • Log in to PayPal with success, then consent to the privacy statement by clicking.
  • Type the M-PESA-registered phone number.
  • Agree to the terms and conditions.
  • Click to confirm after entering the 4-digit confirmation code Safaricom texted to the cellphone number connected to your M-PESA account.

How do I link my M-PESA Account to my New PayPal Account?

You must have active M-PESA and PayPal accounts. Visit ( to open a PayPal account and any Kenyan M-PESA agent outlet to open an M-Pesa account. To link your new PayPal account to M-Pesa, visit and follow the instructions below;

  • Click on ‘Link accounts,’ and you will be taken to another page where you will log in to your Paypal account.
  • Log in to your PayPal account.
  • Put your M-PESA account phone number.
  • Agree to the terms and conditions
  • Enter the four-digit verification code sent to the cellphone number connected to your M-PESA account by Safaricom.

How do I top up my Mpesa PayPal account?

To top up your linked PayPal account with money so you may purchase online or use PayPal to make payments, you must have an eligible M-PESA account.

  •  Log in to the M-PESA PayPal website and choose the Top Up money option.
  •  Enter the amount to top up in USD and click “calculate.” (The exchange rate used will be shown on that page.)to receive the equivalent converted amount in Kes. to be transferred from your M-PESA account.
  • Go to the M-PESA menu on your phone, select “Lipa na M-PESA,” and then “Pay Bill.” 
  •  Enter business number 800088.
  • As Account No., enter your phone number.
  • Type the amount in Kes.
  •  Enter your M-PESA PIN and Tap Send 

How will I know when my account has been credited with the money? M-PESA will send you a confirmation SMS, and PayPal will send you an email.

How Does PayPal M-Pesa Link Withdrawal Work?

Assuming you have a PayPal account set up, using PayPal M-Pesa Link Withdrawal is pretty straightforward:

  • Log into your PayPal account and select “Withdrawal.” Keep in mind that you can only withdraw funds up to the available USD balance in your PayPal Account. 
  • Enter the amount to be withdraw from your PayPal account in USD.
  • You will be taken to a screen that displays the KES amount to be received, the conversion rate, and an estimated time for processing the transaction.
  • Click “Confirm.” to confirm and finish the withdrawal transaction.

How soon do you get your money after you withdraw it? Depending on the transaction’s size, the money will be transferred to your M-PESA account between 2 hours to 3 calendar days after the transaction’s confirmation.

Pros and Cons of Using PayPal M-Pesa Link

When making payments online, PayPal is one of the most popular options. And in recent years, PayPal has partnered with M-Pesa, a mobile money service in Kenya, to offer a new way to pay for goods and services online.

The PayPal M-Pesa Link allows customers to connect their PayPal account to their M-Pesa account, making it easy to make payments using M-Pesa. But what are the pros and cons of using this payment method?


  • The PayPal M-Pesa Link makes it easy to pay for goods and services online using M-Pesa.
  • Customers can connect their PayPal and M-Pesa accounts, so they don’t need to remember multiple login details.
  • Payments made through the PayPal M-Pesa Link are secure and backed by PayPal’s buyer protection policy.


  • The fees associated with using the PayPal M-Pesa Link can be higher than other payment methods offered by PayPal.


We hope this guide has been helpful in explaining how to link your PayPal account to M-Pesa. While the process may seem a bit daunting at first, it’s actually quite simple once you get the hang of it. And once you’re linked up, you’ll be able to enjoy all the benefits that come with using PayPal M-Pesa. So what are you waiting for? Connect your accounts today and start enjoying the convenience of PayPal M-Pesa!

Related reading: Banks That Accept PayPal in Kenya: A Comprehensive Guide


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