{
"success": true,
"message": "Payment scheduled successfully.",
"data": {
"reference": "SCH-7F3K9QX2AB12",
"service": "airtime",
"service_label": "Airtime",
"biller": "mtn_vtu",
"biller_label": "MTN Airtime",
"biller_code": null,
"product_name": "MTN Airtime VTU",
"customer_id": "08031234567",
"customer_name": null,
"amount": 500.0,
"frequency": "once",
"frequency_label": "One time",
"starts_at": "2026-10-10T09:00:00+01:00",
"ends_at": null,
"next_run_at": "2026-10-10T09:00:00+01:00",
"status": "active",
"failure_reason": null,
"can_retry": false,
"can_cancel": true,
"can_pause": true,
"can_pay_now": true,
"can_resume": false,
"resume_needs_start_at": false,
"paused_at": null,
"can_edit": true,
"archived": false,
"can_reactivate": false,
"can_delete": false,
"reactivation_needs_start_at": false,
"cancelled_at": null,
"total_runs": 0,
"last_run_at": null,
"last_run": null,
"description": "Airtime for Dad",
"summary": "Airtime scheduled for the beneficiary 08031234567",
"created_at": "2026-10-05T12:00:00+01:00"
}
}