TELSPAY STANDING ORDERS & AUTOMATED LOAN COLLECTIONS 2026
VALIDATION REPORT
Generated: 2026-08-01

PACKAGE CONTENT
- PHP files: 21
- CSS file present: True
- JavaScript file present: True
- SQL migration present: True
- Required entry points present: True

FEATURE COVERAGE
- Admin standing-order dashboard: PASS
- Pending approvals: PASS
- Active standing orders: PASS
- External bank/provider confirmation queue: PASS
- Failed collections and retries: PASS
- Missed-payment detection: PASS
- CSV standing-order reports: PASS
- Africa's Talking SMS integration adapter: PASS
- PHPMailer email integration adapter: PASS
- Firebase customer/admin push integration adapter: PASS
- Automatic interest-first/principal-second ltrans posting: PASS
- Internal savings debit and excess savings credit: PASS
- Signed/idempotent provider webhook: PASS
- CLI cron workers: PASS
- Audit, notification and allocation logs: PASS

SAFETY AND COMPATIBILITY
- PHP target: 7.4+
- Bootstrap target: existing admin Bootstrap 4 flow
- Duplicate financial posting guard: PASS
- Duplicate scheduled collection guard: PASS
- Second open standing order for the same loan blocked: PASS
- Only loans with outstanding ltrans balances selectable: PASS
- External collections require actual bank/provider confirmation: PASS
- Financial posting transaction/rollback protection: PASS
- Notification failure does not reverse committed repayment: PASS
- CSV formula-injection protection: PASS
- No embedded production credentials/private keys: PASS
- Existing database, SMS, email and Firebase libraries are reused: PASS

STATIC TESTS
- All PHP files pass php -l: PASS
- JavaScript passes node --check: PASS
- CSS braces balanced: PASS
- mysqli bind_param type/argument counts: PASS
- Service classes load without redeclaration/syntax errors: PASS
- Referenced package assets/endpoints exist: PASS

SOURCE SCHEMA COMPATIBILITY REVIEW
Checked against the supplied SACCO schema for: customer, loans, ltrans, savings,
incomes, transactions and settings. Required columns used by the module are present.

NOT EXECUTED IN THIS SANDBOX
- Live MySQL/MariaDB migration and transaction test
- Live Africa's Talking SMS delivery
- Live SMTP email delivery
- Live Firebase push delivery
- Live bank/provider webhook delivery

Run the documented staging test using a backed-up test customer before production.
