M-Pesa Fees & Timing


  • In most cases, your payment transfers immediately.
  • However, there are occasions when it may take up to 24 hours on weekdays or next business day on weekends. If it has been more than 24 hours and one business day, please contact M-Pesa.


In addition to what Upwork charges, there may be additional costs on M-Pesa's side.

  • M-Pesa's outgoing fees vary by method and amount. Please check with M-Pesa for fees.


  • Upwork currently offers M-Pesa as a payment method for freelancers in Kenya only.
  • You must use your own registered M-Pesa account.
  • M-Pesa typically has maximums of 70,000 KES per transaction and 2 transactions per mobile device per day. Their maximums may change at any time and without notice; please check with M-Pesa for their most current maximums.

To add M-Pesa as a payment method and check Upwork's per-transfer fees, click here. Click the "Add Payment Method" button to see all your options and pricing. For more information on adding M-Pesa as a payment method, click here.

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