diff --git a/backend/services/billPaymentScheduler/billService.js b/backend/services/billPaymentScheduler/billService.js
new file mode 100644
index 0000000..22b4ce3
--- /dev/null
+++ b/backend/services/billPaymentScheduler/billService.js
@@ -0,0 +1,95 @@
+// BillService: CRUD, scheduling logic
+
+const { Bill } = require('./models');
+
+// In-memory bill storage
+const bills = [];
+
+class BillService {
+	static createBill(billData) {
+		const bill = new Bill(
+			bills.length + 1,
+			billData.userId,
+			billData.name,
+			billData.amount,
+			billData.dueDate,
+			billData.recurring,
+			billData.frequency,
+			'pending',
+			billData.paymentMethodId
+		);
+		bills.push(bill);
+		return bill;
+	}
+
+	static getBillsByUser(userId) {
+		return bills.filter(b => b.userId === userId);
+	}
+
+	static getBillById(billId) {
+		return bills.find(b => b.id === billId);
+	}
+
+	static updateBill(billId, updateData) {
+		const bill = this.getBillById(billId);
+		if (!bill) return null;
+		Object.assign(bill, updateData);
+		return bill;
+	}
+
+	static deleteBill(billId) {
+		const idx = bills.findIndex(b => b.id === billId);
+		if (idx !== -1) {
+			bills.splice(idx, 1);
+			return true;
+		}
+		return false;
+	}
+
+	static getUpcomingBills(userId, daysAhead = 7) {
+		const now = new Date();
+		const future = new Date(now.getTime() + daysAhead * 24 * 60 * 60 * 1000);
+		return bills.filter(b => b.userId === userId && new Date(b.dueDate) <= future && b.status === 'pending');
+	}
+
+	static markBillPaid(billId) {
+		const bill = this.getBillById(billId);
+		if (bill) {
+			bill.status = 'paid';
+			return bill;
+		}
+		return null;
+	}
+
+	static scheduleRecurringBills() {
+		bills.forEach(bill => {
+			if (bill.recurring && bill.status === 'paid') {
+				// Schedule next bill
+				let nextDue;
+				const currentDue = new Date(bill.dueDate);
+				switch (bill.frequency) {
+					case 'monthly':
+						nextDue = new Date(currentDue);
+						nextDue.setMonth(nextDue.getMonth() + 1);
+						break;
+					case 'weekly':
+						nextDue = new Date(currentDue);
+						nextDue.setDate(nextDue.getDate() + 7);
+						break;
+					case 'yearly':
+						nextDue = new Date(currentDue);
+						nextDue.setFullYear(nextDue.getFullYear() + 1);
+						break;
+					default:
+						nextDue = null;
+				}
+				if (nextDue) {
+					bill.dueDate = nextDue.toISOString();
+					bill.status = 'pending';
+				}
+			}
+		});
+	}
+}
+
+module.exports = BillService;
diff --git a/backend/services/billPaymentScheduler/controllers.js b/backend/services/billPaymentScheduler/controllers.js
new file mode 100644
index 0000000..2ce31e0
--- /dev/null
+++ b/backend/services/billPaymentScheduler/controllers.js
@@ -0,0 +1,43 @@
+// Controllers: API endpoints for bills, payments, schedules
+
+const BillService = require('./billService');
+const PaymentService = require('./paymentService');
+const SchedulerService = require('./schedulerService');
+
+const controllers = {
+	createBill: (req, res) => {
+		const bill = BillService.createBill(req.body);
+		res.status(201).json(bill);
+	},
+	getBills: (req, res) => {
+		const bills = BillService.getBillsByUser(req.params.userId);
+		res.json(bills);
+	},
+	updateBill: (req, res) => {
+		const bill = BillService.updateBill(parseInt(req.params.billId), req.body);
+		if (bill) res.json(bill);
+		else res.status(404).json({ error: 'Bill not found' });
+	},
+	deleteBill: (req, res) => {
+		const success = BillService.deleteBill(parseInt(req.params.billId));
+		if (success) res.json({ success: true });
+		else res.status(404).json({ error: 'Bill not found' });
+	},
+	processPayment: (req, res) => {
+		const payment = PaymentService.processPayment(req.body);
+		if (payment.status === 'success') {
+			BillService.markBillPaid(payment.billId);
+		}
+		res.status(201).json(payment);
+	},
+	getPayments: (req, res) => {
+		const payments = PaymentService.getPaymentsByUser(req.params.userId);
+		res.json(payments);
+	},
+	runScheduler: (req, res) => {
+		SchedulerService.runScheduler();
+		res.json({ success: true });
+	}
+};
+
+module.exports = controllers;
diff --git a/backend/services/billPaymentScheduler/models.js b/backend/services/billPaymentScheduler/models.js
new file mode 100644
index 0000000..0ccd102
--- /dev/null
+++ b/backend/services/billPaymentScheduler/models.js
@@ -0,0 +1,59 @@
+// Bill, User, Payment, Schedule models
+// ...existing code...
+// User Model
+class User {
+	constructor(id, name, email, phone, paymentMethods = []) {
+		this.id = id;
+		this.name = name;
+		this.email = email;
+		this.phone = phone;
+		this.paymentMethods = paymentMethods;
+	}
+}
+
+// Bill Model
+class Bill {
+	constructor(id, userId, name, amount, dueDate, recurring, frequency, status = 'pending', paymentMethodId = null) {
+		this.id = id;
+		this.userId = userId;
+		this.name = name;
+		this.amount = amount;
+		this.dueDate = dueDate;
+		this.recurring = recurring;
+		this.frequency = frequency; // e.g. 'monthly', 'weekly', 'yearly'
+		this.status = status;
+		this.paymentMethodId = paymentMethodId;
+	}
+}
+
+// Payment Model
+class Payment {
+	constructor(id, billId, userId, amount, date, status, gatewayResponse = null) {
+		this.id = id;
+		this.billId = billId;
+		this.userId = userId;
+		this.amount = amount;
+		this.date = date;
+		this.status = status; // 'success', 'failed', 'pending'
+		this.gatewayResponse = gatewayResponse;
+	}
+}
+
+// Schedule Model
+class Schedule {
+	constructor(id, billId, userId, nextRun, frequency, enabled = true) {
+		this.id = id;
+		this.billId = billId;
+		this.userId = userId;
+		this.nextRun = nextRun;
+		this.frequency = frequency;
+		this.enabled = enabled;
+	}
+}
+
+module.exports = {
+	User,
+	Bill,
+	Payment,
+	Schedule
+};
diff --git a/backend/services/billPaymentScheduler/paymentService.js b/backend/services/billPaymentScheduler/paymentService.js
new file mode 100644
index 0000000..c0fe9ce
--- /dev/null
+++ b/backend/services/billPaymentScheduler/paymentService.js
@@ -0,0 +1,40 @@
+// PaymentService: payment gateway integration
+
+const { Payment } = require('./models');
+const payments = [];
+
+class PaymentService {
+	static processPayment(paymentData) {
+		// Simulate payment gateway integration
+		const gatewayResponse = {
+			transactionId: 'TXN' + Math.floor(Math.random() * 1000000),
+			status: 'success',
+			timestamp: new Date().toISOString()
+		};
+		const payment = new Payment(
+			payments.length + 1,
+			paymentData.billId,
+			paymentData.userId,
+			paymentData.amount,
+			new Date().toISOString(),
+			gatewayResponse.status,
+			gatewayResponse
+		);
+		payments.push(payment);
+		return payment;
+	}
+
+	static getPaymentsByUser(userId) {
+		return payments.filter(p => p.userId === userId);
+	}
+
+	static getPaymentsByBill(billId) {
+		return payments.filter(p => p.billId === billId);
+	}
+
+	static getPaymentById(paymentId) {
+		return payments.find(p => p.id === paymentId);
+	}
+}
+
+module.exports = PaymentService;
diff --git a/backend/services/billPaymentScheduler/reminderService.js b/backend/services/billPaymentScheduler/reminderService.js
new file mode 100644
index 0000000..fc0621e
--- /dev/null
+++ b/backend/services/billPaymentScheduler/reminderService.js
@@ -0,0 +1,23 @@
+// ReminderService: notifications for upcoming bills
+
+const BillService = require('./billService');
+const { User } = require('./models');
+
+class ReminderService {
+	static sendReminder(user, bill) {
+		// Simulate sending email/SMS
+		console.log(`Reminder sent to ${user.email} for bill '${bill.name}' due on ${bill.dueDate}`);
+		return true;
+	}
+
+	static sendUpcomingReminders(users, daysAhead = 7) {
+		users.forEach(user => {
+			const upcomingBills = BillService.getUpcomingBills(user.id, daysAhead);
+			upcomingBills.forEach(bill => {
+				this.sendReminder(user, bill);
+			});
+		});
+	}
+}
+
+module.exports = ReminderService;
diff --git a/backend/services/billPaymentScheduler/routes.js b/backend/services/billPaymentScheduler/routes.js
new file mode 100644
index 0000000..1b6ca0f
--- /dev/null
+++ b/backend/services/billPaymentScheduler/routes.js
@@ -0,0 +1,17 @@
+// Express routes for API
+
+const express = require('express');
+const controllers = require('./controllers');
+const router = express.Router();
+
+router.post('/bill', controllers.createBill);
+router.get('/bills/:userId', controllers.getBills);
+router.put('/bill/:billId', controllers.updateBill);
+router.delete('/bill/:billId', controllers.deleteBill);
+
+router.post('/payment', controllers.processPayment);
+router.get('/payments/:userId', controllers.getPayments);
+
+router.post('/scheduler/run', controllers.runScheduler);
+
+module.exports = router;
diff --git a/backend/services/billPaymentScheduler/schedulerService.js b/backend/services/billPaymentScheduler/schedulerService.js
new file mode 100644
index 0000000..3f6c770
--- /dev/null
+++ b/backend/services/billPaymentScheduler/schedulerService.js
@@ -0,0 +1,13 @@
+// SchedulerService: manages recurring schedules
+
+const BillService = require('./billService');
+
+class SchedulerService {
+	static runScheduler() {
+		// Run recurring bill scheduling
+		BillService.scheduleRecurringBills();
+		console.log('Recurring bills scheduled.');
+	}
+}
+
+module.exports = SchedulerService;
diff --git a/backend/services/billPaymentScheduler/tests.js b/backend/services/billPaymentScheduler/tests.js
new file mode 100644
index 0000000..1600472
--- /dev/null
+++ b/backend/services/billPaymentScheduler/tests.js
@@ -0,0 +1,36 @@
+// Unit/integration tests
+
+const BillService = require('./billService');
+const PaymentService = require('./paymentService');
+const ReminderService = require('./reminderService');
+const SchedulerService = require('./schedulerService');
+
+function runTests() {
+	// Create user and bills
+	const user = { id: 1, name: 'Alice', email: 'alice@example.com', phone: '1234567890' };
+	const bill1 = BillService.createBill({ userId: user.id, name: 'Electricity', amount: 100, dueDate: new Date(Date.now() + 2 * 24 * 60 * 60 * 1000).toISOString(), recurring: true, frequency: 'monthly', paymentMethodId: 1 });
+	const bill2 = BillService.createBill({ userId: user.id, name: 'Internet', amount: 50, dueDate: new Date(Date.now() + 5 * 24 * 60 * 60 * 1000).toISOString(), recurring: true, frequency: 'monthly', paymentMethodId: 1 });
+
+	// Get bills
+	const bills = BillService.getBillsByUser(user.id);
+	console.log('Bills:', bills);
+
+	// Send reminders
+	ReminderService.sendUpcomingReminders([user], 7);
+
+	// Process payment
+	const payment = PaymentService.processPayment({ billId: bill1.id, userId: user.id, amount: bill1.amount });
+	console.log('Payment:', payment);
+
+	// Mark bill paid
+	BillService.markBillPaid(bill1.id);
+
+	// Run scheduler
+	SchedulerService.runScheduler();
+
+	// Check recurring bill
+	const updatedBill = BillService.getBillById(bill1.id);
+	console.log('Updated Bill:', updatedBill);
+}
+
+runTests();
diff --git a/backend/services/billPaymentScheduler/utils.js b/backend/services/billPaymentScheduler/utils.js
new file mode 100644
index 0000000..a0fc8da
--- /dev/null
+++ b/backend/services/billPaymentScheduler/utils.js
@@ -0,0 +1,38 @@
+// Utils: Notification, Logger, PaymentGateway
+
+const Notification = {
+	sendEmail: (to, subject, message) => {
+		console.log(`Email sent to ${to}: ${subject} - ${message}`);
+		return true;
+	},
+	sendSMS: (to, message) => {
+		console.log(`SMS sent to ${to}: ${message}`);
+		return true;
+	}
+};
+
+const Logger = {
+	log: (msg) => {
+		console.log(`[LOG] ${new Date().toISOString()} - ${msg}`);
+	},
+	error: (msg) => {
+		console.error(`[ERROR] ${new Date().toISOString()} - ${msg}`);
+	}
+};
+
+const PaymentGateway = {
+	process: (paymentInfo) => {
+		// Simulate payment gateway
+		return {
+			transactionId: 'TXN' + Math.floor(Math.random() * 1000000),
+			status: 'success',
+			timestamp: new Date().toISOString()
+		};
+	}
+};
+
+module.exports = {
+	Notification,
+	Logger,
+	PaymentGateway
+};