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Standing Instructions

Standing Instructions

Work in Progress

Overview

The Standing Instruction feature enables users to automate recurring transactions like loan repayments and bill payments, helping them stay on schedule and avoid manual intervention.

Use Cases

  • Automate monthly loan EMIs

  • Schedule utility bill payments

  • Enable merchant auto-payments

User Flow

1. Access

  • Navigate to Payments > Standing Instructions

  • Displays a list of all active, expired, or scheduled instructions

2. Instruction Listing

  • Each instruction shows:

    • Instruction Type (e.g., LOAN, DUES)

    • Frequency & Interval (e.g., Monthly, every 30 days)

    • Next Execution Date

    • Status (Active, Expired)

3. Add New Instruction

  • Tap + Add Instruction

  • Input the following:

    • Instruction Type

    • Frequency & Interval

    • Start/End Date

    • Target Account/Loan

4. Manage Existing

  • Tap an instruction for:

    • Editing schedule

    • Cancelling the instruction

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UI Components

Component

Description

Component

Description

InstructionTypeChip

Displays the type like LOAN, DUES

FrequencyChip

Shows recurrence in human-readable format

StatusPill

Shows ACTIVE, EXPIRED, CANCELLED

Empty State

Shown when no instructions exist

API Integration

Endpoints

  • GET /standinginstructions?clientId={clientId} — List all

  • POST /standinginstructions — Create

  • PUT /standinginstructions/{id} — Update

  • DELETE /standinginstructions/{id} — Cancel

Example Payload (POST)

{ "type": "LOAN", "frequency": "MONTHLY", "interval": 30, "startDate": "2025-08-01", "endDate": "2026-08-01", "targetId": "loan-1234" }

Enums & Constants

enum class StandingInstructionType { LOAN, DUES, BILL, MERCHANT } enum class Frequency { DAILY, WEEKLY, MONTHLY, YEARLY } enum class Status { ACTIVE, EXPIRED, CANCELLED }

Business Rules

  • Minimum interval: 1 day

  • Start date must be in the future

  • Expired instructions cannot be modified

  • Null or invalid values display as "Not Available"

Edge Case Handling

Condition

Behavior

Condition

Behavior

type == null

Show "Not Available" (in red)

interval == null

Show "Not Available"

endDate < startDate

Show validation error

No instructions found

Show empty placeholder with CTA

Testing Guidelines

  • Add, edit, delete instructions

  • Validate interval & frequency

  • Ensure fallback for missing enum values

  • Test UI for empty, expired, invalid cases

  • Simulate time-based status transitions

Future Enhancements

  • Notification before due date

  • Retry logic on failed execution

  • Smart templates based on usage

  • Integration with AutoPay module