M-Pesa Betting Sites in Kenya: Paybills, Limits and Payout Times

Which betting sites accept M-Pesa, and what are their Paybill numbers?

Six of the ten licensed bookmakers compared here have a published M-Pesa Paybill. For SportyBet, BetPawa, Pepeta and Radabet the Paybill is not stated on a page we could read, which does not mean they refuse M-Pesa; it means the number was not published where we looked.

The table gives the four payment facts that decide day-to-day use, checked on 5 November 2026. SportPesa and Odibets print their Paybill on their own homepage; the other Paybills and all limits come from a payments guide, as listed in the sources.

Bookmaker	Paybill	Minimum deposit	Minimum withdrawal	Stated payout time
Betika	290290	KES 50	KES 50	within about an hour, per the guide (contact support after that)
SportPesa	955100	KES 49	KES 200	within minutes
Odibets	290680	KES 1	KES 100	within minutes
Mozzart Bet	290059	KES 50	KES 200	within minutes
Shabiki	290063	KES 50	KES 200	within minutes
22Bet	7325515	not stated	KES 100	within minutes; above KES 50,000 one to 24 hours with an identity check
SportyBet	not stated	not stated	not stated	not stated
BetPawa	not stated	not stated	not stated	not stated
Pepeta	not stated	not stated	not stated	not stated
Radabet	not stated	not stated	not stated	not stated

A Paybill number is worth checking against the bookmaker’s own deposit page before you send money, because a payment to the wrong Paybill is a payment to someone else. If the number in your M-Pesa confirmation does not show the bookmaker’s name, stop and ask.

Which betting sites that accept M-Pesa print the Paybill on their own site?

SportPesa and Odibets print their Paybill on their own homepage. For Betika, Mozzart Bet, Shabiki and 22Bet, the Paybill in the table comes from a payments guide, and each review labels it as third-party.

The difference matters for one reason. A number the bookmaker prints itself is the bookmaker’s word; a number in a guide is someone else’s record of it, and records can fall behind. That does not make the guide wrong, and in every case here the guide is the most complete published source. It does mean that, among the betting sites that accept M-Pesa, the safest habit is the same everywhere: before the first payment, find the Paybill on the bookmaker’s own deposit page and compare it with the one you are about to type.

Your M-Pesa confirmation is the final check. It names the business that received the money. If that name is not the bookmaker or the company in its terms, contact Safaricom at once with the transaction code.

How do you deposit to a betting account with M-Pesa?

You pay the bookmaker’s Paybill from the M-Pesa menu, and the money lands in your betting account. The steps below follow the standard Lipa na M-Pesa Pay Bill flow on a Safaricom line.

1. Open M-Pesa on your phone or in the M-Pesa app and choose Lipa na M-Pesa, then Pay Bill.
2. Enter the bookmaker’s Paybill number as the business number.
3. Enter the account number the bookmaker’s deposit page asks for. Bookmakers set this differently, so take it from their page, not from memory.
4. Enter the amount, at least the bookmaker’s minimum deposit.
5. Enter your M-Pesa PIN and confirm.
6. Wait for two messages: the M-Pesa confirmation and the bookmaker’s own message that the deposit is credited.

The deposit is the point at which tax applies. Excise duty of 5% is charged on amounts deposited for betting, a rule in force since 1 July 2026. On a deposit of KES 1,000 that is KES 50. Your account statement shows how it was taken, and the betting tax guide explains what to look for.

How do M-Pesa withdrawals work, and how long do they take?

You request a withdrawal in your betting account, and the bookmaker sends the money to the M-Pesa number registered on the account. The payout times in the table are what each bookmaker or the payments guide states, not times anyone on this site has measured.

Most of the stated times are short. SportPesa, Odibets, Mozzart Bet and Shabiki are listed as paying out within minutes. For Betika the guide says within about an hour, per the guide (contact support after that). For 22Bet the guide gives a two-step rule: within minutes; above KES 50,000 one to 24 hours with an identity check. That identity check on large amounts is the one condition any of the ten publishes, and it is worth knowing before a big win, not after.

Below the minimum withdrawal, money stays in the account. With a minimum of KES 200 at SportPesa against KES 50 at Betika, a small balance can be withdrawn at one and not at the other.

A deduction can also apply when you are paid out. Advisers read the payout rules for sports bets in two different ways, and the tax guide sets out both with their sources. The bookmaker’s own payout statement is the record of what was taken.

Which betting sites have the lowest minimum deposit and stake?

Odibets has the lowest published minimum deposit, KES 1, and the lowest published minimum stake, KES 1. SportPesa follows at KES 49, and Betika, Mozzart Bet and Shabiki each list KES 50.

Low minimums suit bettors who stake small amounts, and they matter for another reason. A low floor lets you test a bookmaker’s whole payment cycle, deposit and withdrawal, with very little money before you trust it with more. The minimum withdrawal decides the second half of that test: at Betika it is KES 50, at Odibets KES 100.

Remember that excise applies to every deposit, small or large. On very small deposits the tax is a few shillings, but it is still taken.

Do betting sites in Kenya accept Airtel Money or charge fees?

Neither is stated for any of the ten. Airtel Money is not stated for Betika and the same for the other nine on the pages we read, and transaction fees charged by the bookmakers are not stated either.

This is one of the gaps searches for airtel betting sites run into. Some bookmakers may accept Airtel Money through their own deposit page; if so, the bookmaker’s page is the place to confirm it, and the fields here are updated when a readable source states it. The same applies to fees.

How much does M-Pesa count in the bookmaker scores?

M-Pesa carries the largest weight of the five criteria, 35%. Its inputs are the four columns in the payment table: a published Paybill, the minimum deposit, the minimum withdrawal and a stated payout time.

The weight reflects how most Kenyans bet: they pay in and cash out through M-Pesa, often in small amounts. A bookmaker that publishes all four facts and keeps the minimums low scores well on this criterion. One that publishes none is not rated on it, and that is why four of the ten carry no M-Pesa score. The ranking below shows each bookmaker’s payment fields next to its score.

1. 1

   Betika

   9.2/10 Rated on 3 of 5 criteria

   Paybill

   290290

   Min deposit

   KES 50

   Min withdrawal

   KES 50

   Max withdrawal

   not stated

   Payout time

   within about an hour, per the guide (contact support after that)

   Fees

   not stated

   • Deposit without data: *644# and SMS 29090
   Read review

   Authorised and regulated by the Gambling Regulatory Authority of Kenya (GRA), licence no. BK 0001117

   18+ Not for persons under the age of 18 · Play responsibly · Helpline gamhelpkenya.com

2. 2

   Mozzart Bet

   9.2/10 Rated on 3 of 5 criteria

   Paybill

   290059

   Min deposit

   KES 50

   Min withdrawal

   KES 200

   Max withdrawal

   not stated

   Payout time

   within minutes

   Fees

   not stated

   • No USSD code or SMS number published
   Read review

   Authorised and regulated by the Gambling Regulatory Authority of Kenya (GRA), licence no. BK 0001188

   18+ Not for persons under the age of 18 · Play responsibly · Helpline gamhelpkenya.com

3. 3

   Shabiki

   9.2/10 Rated on 3 of 5 criteria

   Paybill

   290063

   Min deposit

   KES 50

   Min withdrawal

   KES 200

   Max withdrawal

   not stated

   Payout time

   within minutes

   Fees

   not stated

   • No USSD code or SMS number published
   Read review

   Authorised and regulated by the Gambling Regulatory Authority of Kenya (GRA), licence no. BK 0001080

   18+ Not for persons under the age of 18 · Play responsibly · Helpline gamhelpkenya.com

4. 4

   SportPesa

   9.2/10 Rated on 3 of 5 criteria

   Paybill

   955100

   Min deposit

   KES 49

   Min withdrawal

   KES 200

   Max withdrawal

   not stated

   Payout time

   within minutes

   Fees

   not stated

   • Deposit without data: SMS to 79079
   Read review

   Authorised and regulated by the Gambling Regulatory Authority of Kenya (GRA), licence no. BK 0001193

   18+ Not for persons under the age of 18 · Play responsibly · Helpline gamhelpkenya.com

5. 5

   Odibets

   9.0/10 Rated on 3 of 5 criteria

   Paybill

   290680

   Min deposit

   KES 1

   Min withdrawal

   KES 100

   Max withdrawal

   not stated

   Payout time

   within minutes

   Fees

   not stated

   • Deposit without data: *290#
   Read review

   Authorised and regulated by the Gambling Regulatory Authority of Kenya (GRA), licence no. BK 0001095

   18+ Not for persons under the age of 18 · Play responsibly · Helpline gamhelpkenya.com

How do you keep track of what you deposit and withdraw?

Your M-Pesa statement already holds the record. Every deposit to a betting Paybill and every payout from a bookmaker appears in it with a date, an amount and a transaction code, and the M-Pesa app can show the statement for a chosen period.

Adding the two columns up once a month gives a number that a betting account rarely shows on one screen: how much went in and how much came back. Remember that each deposit also carried excise of 5%, so a month of deposits totalling KES 1,000 cost KES 50 in tax before any bet was placed.

If the monthly total surprises you, that is the moment to set a deposit limit in the betting account, where the bookmaker offers one. The responsible gambling page covers the tools that can help.

What can go wrong with an M-Pesa betting payment, and what should you do?

The common problems are a deposit that does not show in the account, a payment to the wrong Paybill or account number, and a withdrawal that takes longer than stated. Each one starts with the same piece of evidence: the M-Pesa confirmation message and its transaction code.

For a deposit that has not been credited, wait for the time the bookmaker gives, then contact its support with the transaction code, the amount, the time and the phone number you paid from. For Betika, the payments guide gives the payout time as within about an hour, per the guide (contact support after that), which is a reasonable yardstick for when to ask.

For a payment to the wrong Paybill, contact Safaricom as soon as you notice, with the transaction code. A payment to a business that is not your bookmaker is not something the bookmaker can reverse.

For a slow withdrawal, check the account first. A withdrawal marked pending has not been sent; one marked paid has, and the M-Pesa message should follow. Keep screenshots of both screens until the money arrives. If the bookmaker does not answer, the Gambling Regulatory Authority licenses it, and the licence number on its site tells you which company you are dealing with.