How to Schedule a Payment for Later in Niobi Introduction Not every payment needs to go out the moment you set it up. Whether it's a rent payment due at the start of the month or a bill you'd rather settle closer to its due date, Niobi lets you schedule payments to be sent automatically at a future date and time, instead of relying on a manual reminder to come back and pay later. This article covers scheduling payments in Niobi across the payment types that support it: - Express Payment — scheduling a one-off payment to a single payee - Bill Payment — scheduling payment of one or more selected bills - Bulk Payment — scheduling payment of a batch of payments, whether uploaded via CSV or created manually Time to complete: Under 1 minute per payment\ Difficulty: Beginner Before You Start Regardless of which payment type you're scheduling, make sure you have: - An active Niobi account with sufficient available balance to cover the payment (including fees) by the time it's scheduled to go out - The payment already set up — payee selected for Express Payment, or bill(s) selected for Bill Payment, with amount and payment method confirmed - Clarity on the date and time you want the payment to be sent, based on your device's local timezone Step 1: Fill In Payment Details and Click "Schedule For Later" On Step 2 of 5 — Payment Details in the Express Payment flow, fill in the payee, amount, payment method, and any other required fields as usual. Instead of clicking Proceed, click Schedule For Later. Step 2: Set the Date and Time You'll see: - A note: "Scheduling based on your device timezone" - Date field — defaults to today's date, with a calendar picker - Time field — defaults to 12:00:00 am, with a clock picker - A payee summary row (e.g., "1 Sep Test Payee Details") with an expandable dropdown to review the payee before confirming - Your Available Balance shown at the top Set your date and time, then click Schedule Payment. How to Schedule a Bill Payment Step 1: Select Your Bill and Click "Schedule For Later" On Step 2 of 4 — Amount, schedule/pay now in the Bill Payment flow, after selecting your bill(s) and confirming the payment method, click Schedule For Later instead of Pay Now. Step 2: Set the Date and Time You'll see: - The same "Scheduling based on your device timezone" note - Date field — defaults to today's date - Time field — starts empty, shown as a placeholder "HH:MM:SS AM/PM," so you'll need to enter it manually - A payee confirmation row with an important warning: "Please make sure the Payee name entered here exactly matches the name of the Payee in the Niobi App Details" — expandable to review - Your Available Balance, plus a Summary panel on the right showing Subtotal, Total Fees, and Total Debit for the bill(s) you're scheduling Fill in the date and time, verify the payee details, then click Schedule Payment. How to Schedule a Bulk Payment Step 1: Set Up Your Batch and Click "Schedule For Later" Whether you uploa