Transaction Cost Calculator (Kenya)

This transaction cost calculator estimates how much you lose to payment fees over a month, and what percentage of your revenue that is, so you can price for it.

By Veira Team, Kenya SME toolsPublished June 2026Updated June 2026
Calculator
Result
Fees cost about KES 18,720 a month (3% of revenue)
Transactions per month1,560
Monthly feesKES 18,720
Monthly revenueKES 624,000
Fees as a share of revenue3%
Fees per yearKES 224,640

Small per-transaction fees add up. Knowing the monthly and annual total, and the share of revenue it represents, lets you decide whether to absorb it, price for it, or steer customers to a cheaper payment method.

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Why small fees matter

A fee of a few shillings per sale feels trivial in the moment. Across hundreds of sales a day it becomes a real monthly cost that quietly reduces your margin.

Once you can see the monthly and annual total, you can act: build it into your prices, encourage a lower-cost payment method for larger sales, or simply plan for it. What you cannot manage is a cost you have never measured.

Worked examples

A busy kiosk
  • 60 sales a day, KES 12 average fee, 26 days is KES 18,720 a month.
  • That is over KES 224,000 a year in fees.

Frequently asked questions

How much do payment fees cost my business?
Multiply your transactions per day by the average fee and your trading days. The result is often surprisingly large over a month, and larger still over a year, which is why it is worth measuring.
Should I pass fees on to customers?
You can build them into your prices, which spreads the cost, or absorb them as a cost of convenience. The right choice depends on your margins and your competition, but you should decide deliberately, not by default.
How do I reduce transaction costs?
Steer larger payments to lower-cost methods, avoid unnecessary cash withdrawals, and keep money digital where you can. Measuring the cost first tells you where the savings are.
Are M-Pesa fees fixed?
They are banded by amount and change over time, so use an average for planning and confirm current tariffs for exact figures.
Does Veira track fees?
Veira records the value behind each payment so you can see net takings after costs, rather than guessing how much fees are eating.

Business reviews

4.8
Based on 4 reviews
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Jane M.
Verified business

Finally a tool that gets Kenyan tax rules right. Zero KRA rejections since using this.

5/10/2024
Noor A.
Verified business

Accurate and saves me hours every month. The breakdown is clear and my staff finally understand their deductions.

5/20/2024
Ahmed H.
Verified business

Exactly what I needed. Calculated costs before ordering and saved a fortune on import duties.

5/15/2024
David K.
Verified business

Very helpful. Only thing missing is export to CSV but overall excellent.

5/5/2024

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