Introduction Express Payment is the fastest way to send money to a payee in Niobi. Whether you're paying a vendor, reimbursing an employee, or sending funds to a personal contact, Express Payment guides you through a simple workflow—from selecting a payee and entering payment details to authorizing the transaction and viewing the transaction summary. In this guide, you'll learn how to: - Select or add a payee. - Enter payment and categorization details. - Review and confirm your payment before it's sent. - Authorize the transaction using your authenticator app. - Review the final transaction summary. Time to complete: 3–5 minutes\ Difficulty: Beginner Before You Start Before making an Express Payment, ensure you have: - An active Niobi account with sufficient available balance in the payment currency. - At least one saved payee, or the recipient's details ready if you're adding a new one. - A payment method linked to the payee (for example, M-PESA Send Money) or the ability to add one. - Your authenticator app set up for two-factor authentication (2FA), as every Express Payment requires authorization. If you haven't added a payee yet, you can do so directly from the first step of the payment flow. Step 1: Choose a Payee 1. From the Make Payments screen, select Express Payment from the dropdown in the top-left corner. This is Step 1 of 5. 2. Use the Search by name field to find an existing payee, or click + Add new payee to create a new one. 3. Each payee displays an avatar, name, and a masked account number (for example, KES account ending in 0289) to help you confirm the correct recipient. 4. If you have many saved payees, use the Sort dropdown to reorder the list. 5. Select the payee to continue. Your Available balance is displayed in the top-right card so you can confirm you have enough funds before proceeding. Step 2: Enter Payment Details Complete the payment information: 1. Amount – Enter the amount to send. The currency shown matches your selected account. 2. Transaction Fee – Calculated automatically based on the payment amount and payment method. 3. Payment Method – Confirm the displayed payment method or click + Add Method to add a new one. 4. Paying From – Displays the account that will be debited. 5. Category – Select a category for reporting and reconciliation. 6. Teams – Assign the payment to a team if your workspace uses team-based budgeting. 7. VAT – Select the applicable VAT treatment or leave it as Exempt if it doesn't apply. 8. Description – Add a note for your records or approvers if needed. Review the details, then click Proceed. If you want to send the payment later, click Schedule For Later to schedule it for a future date. Step 3: Review and Confirm Payment Details Before submitting the payment, review the transaction summary carefully. Payee Details Confirm the payee's: - Name - Email - Contact number - Payment method - Account number Payment Details Review the: - Amount - VA