TELSPAY STANDING ORDERS 2026 - QUICK INSTALL

1. Back up the website and database.
2. Copy views/standing_orders.php into the existing views/ directory.
3. Copy views/standing_orders/ into the existing views/standing_orders/ directory.
4. Import database/standing_orders_2026.sql.
5. Add the link from views/standing_orders/integration/sidebar_link.php to the admin sidebar.
6. Configure SET_SMS_FROM and SET_SO_WEBHOOK in the settings table where required.
7. Confirm the existing Africa's Talking, PHPMailer and Firebase integrations work.
8. Add the cron command documented in docs/INSTALL_STANDING_ORDERS_2026.md.
9. Test with a staging customer and small internal-savings standing order.
10. Enable an external BANK_API adapter only after a bank/provider agreement exists.

Do not store customer bank PINs, OTPs, CVVs or online-banking passwords.
