Automations engine: multi-channel messaging + dashboard

THE STAR OF THE SHOW — the automation engine is now visible. ## New: Unified Messaging Layer (src/lib/messaging.ts) Channel waterfall: WhatsApp → SMS → Email - sendToDonor() routes to best available channel - Respects donor consent flags (whatsappOptIn, emailOptIn) - Falls back automatically if primary channel fails - Every attempt logged to AnalyticsEvent for dashboard ## New: Email Integration (src/lib/email.ts) Bring-your-own-key: charity pastes their Resend or SendGrid API key - Resend: free 3,000 emails/month - SendGrid: free 100/day - Messages come from THEIR domain (donations@mymosque.org) - Plain text auto-converted to clean HTML ## New: SMS Integration (src/lib/sms.ts) Bring-your-own-key: charity pastes their Twilio credentials - Pay-as-you-go (~3p per SMS) - UK number normalization (07xxx → +447xxx) - Reaches donors without WhatsApp or email ## New: /dashboard/automations — the visible engine A. Dark hero stats: Messages this week per channel + delivery rate B. Live channels: WhatsApp/Email/SMS with status, features, stats C. The Pipeline: visual 4-step automation sequence - What triggers, what's sent, which channels, waterfall explanation D. Scheduled reminders: upcoming messages with timing E. Message feed: recent messages with channel icon, status, time ## New: /api/messaging/status — dashboard data endpoint Returns channels, stats (7 day), history (50 recent), pending reminders ## New: /api/messaging/test — send test message to admin ## Schema: 8 new Organization columns emailProvider, emailApiKey, emailFromAddress, emailFromName smsProvider, smsAccountSid, smsAuthToken, smsFromNumber ## Settings: 2 new channel rows in the checklist - Email: provider selector (Resend/SendGrid) + API key + from address - SMS: Twilio credentials + from number Both follow the same checklist expand/collapse pattern ## Nav: Automations added between Money and Reports Home → Collect → Money → Automations → Reports → Settings ## Stats tracking Messages logged as AnalyticsEvent: message.whatsapp.receipt.sent message.email.reminder_1.failed message.sms.reminder_2.sent Donor PII masked in logs (last 4 digits of phone, email obfuscated)
2026-03-04 23:20:50 +08:00
parent ce4f2ba52a
commit c52c97df17
13 changed files with 1518 additions and 25 deletions
--- a/pledge-now-pay-later/src/app/api/messaging/status/route.ts
+++ b/pledge-now-pay-later/src/app/api/messaging/status/route.ts
@@ -0,0 +1,31 @@
+import { NextResponse } from "next/server"
+import { getOrgChannels, getChannelStats, getMessageHistory, getPendingReminders } from "@/lib/messaging"
+import { getOrgId } from "@/lib/session"
+
+/**
+ * GET /api/messaging/status
+ *
+ * Returns everything the Automations dashboard needs:
+ * - Channel availability (which channels are live)
+ * - Stats (messages sent/failed per channel, last 7 days)
+ * - Message history (recent 50)
+ * - Pending reminders (next 20 scheduled)
+ */
+export async function GET(request: Request) {
+  try {
+    const orgId = await getOrgId(request.headers.get("x-org-id"))
+    if (!orgId) return NextResponse.json({ error: "Org not found" }, { status: 404 })
+
+    const [channels, stats, history, pending] = await Promise.all([
+      getOrgChannels(orgId),
+      getChannelStats(orgId, 7),
+      getMessageHistory(orgId, 50),
+      getPendingReminders(orgId, 20),
+    ])
+
+    return NextResponse.json({ channels, stats, history, pending })
+  } catch (error) {
+    console.error("Messaging status error:", error)
+    return NextResponse.json({ error: "Internal error" }, { status: 500 })
+  }
+}
--- a/pledge-now-pay-later/src/app/api/messaging/test/route.ts
+++ b/pledge-now-pay-later/src/app/api/messaging/test/route.ts
@@ -0,0 +1,55 @@
+import { NextRequest, NextResponse } from "next/server"
+import { sendToDonor, getOrgChannels } from "@/lib/messaging"
+import { getUser } from "@/lib/session"
+
+/**
+ * POST /api/messaging/test
+ *
+ * Send a test message to the admin's own phone/email
+ * to verify channel configuration.
+ */
+export async function POST(request: NextRequest) {
+  try {
+    const user = await getUser()
+    if (!user) return NextResponse.json({ error: "Not authenticated" }, { status: 401 })
+
+    const body = await request.json()
+    const { channel } = body // "whatsapp", "email", "sms", or "auto"
+
+    const channels = await getOrgChannels(user.orgId)
+
+    // Determine test destination
+    const testPhone = body.phone || ""
+    const testEmail = body.email || user.email
+
+    const testMsg = `🧪 Test from ${user.orgName || "PNPL"}\n\nThis is a test message to confirm your ${channel || "messaging"} integration is working.\n\nIf you received this, you're all set! 🎉`
+
+    const result = await sendToDonor({
+      donorPhone: channel === "email" ? null : testPhone,
+      donorEmail: channel === "sms" || channel === "whatsapp" ? null : testEmail,
+      donorName: user.name || "Test",
+      whatsappOptIn: true,
+      emailOptIn: true,
+      messageType: "test",
+      subject: `Test message from ${user.orgName || "PNPL"}`,
+      whatsappText: testMsg,
+      emailText: testMsg,
+      smsText: `Test from ${user.orgName || "PNPL"}: Your messaging integration is working! 🎉`,
+      orgId: user.orgId,
+    })
+
+    return NextResponse.json({
+      success: result.success,
+      channel: result.channel,
+      error: result.error,
+      channelsAvailable: {
+        whatsapp: channels.whatsapp,
+        email: !!channels.email,
+        sms: !!channels.sms,
+      },
+    })
+  } catch (error) {
+    console.error("Test message error:", error)
+    return NextResponse.json({ error: "Internal error" }, { status: 500 })
+  }
+}
--- a/pledge-now-pay-later/src/app/api/settings/route.ts
+++ b/pledge-now-pay-later/src/app/api/settings/route.ts
@@ -27,6 +27,14 @@ export async function GET(request: NextRequest) {
      gcEnvironment: org.gcEnvironment,
      stripeSecretKey: org.stripeSecretKey ? "••••••••" : "",
      stripeWebhookSecret: org.stripeWebhookSecret ? "••••••••" : "",
+      emailProvider: org.emailProvider || "",
+      emailApiKey: org.emailApiKey ? "••••••••" : "",
+      emailFromAddress: org.emailFromAddress || "",
+      emailFromName: org.emailFromName || "",
+      smsProvider: org.smsProvider || "",
+      smsAccountSid: org.smsAccountSid ? "••••••••" : "",
+      smsAuthToken: org.smsAuthToken ? "••••••••" : "",
+      smsFromNumber: org.smsFromNumber || "",
      orgType: org.orgType || "charity",
    })
  } catch (error) {
@@ -87,7 +95,7 @@ export async function PATCH(request: NextRequest) {
    if (!orgId) return NextResponse.json({ error: "Org not found" }, { status: 404 })

    const body = await request.json()
-    const stringKeys = ["name", "bankName", "bankSortCode", "bankAccountNo", "bankAccountName", "refPrefix", "primaryColor", "logo", "gcAccessToken", "gcEnvironment", "stripeSecretKey", "stripeWebhookSecret"]
+    const stringKeys = ["name", "bankName", "bankSortCode", "bankAccountNo", "bankAccountName", "refPrefix", "primaryColor", "logo", "gcAccessToken", "gcEnvironment", "stripeSecretKey", "stripeWebhookSecret", "emailProvider", "emailApiKey", "emailFromAddress", "emailFromName", "smsProvider", "smsAccountSid", "smsAuthToken", "smsFromNumber"]
    // eslint-disable-next-line @typescript-eslint/no-explicit-any
    const data: Record<string, any> = {}
    for (const key of stringKeys) {
--- a/pledge-now-pay-later/src/app/dashboard/automations/page.tsx
+++ b/pledge-now-pay-later/src/app/dashboard/automations/page.tsx
@@ -0,0 +1,426 @@
+"use client"
+
+import { useState, useEffect, useCallback } from "react"
+import { formatPence } from "@/lib/utils"
+import {
+  Loader2, MessageCircle, Mail, Smartphone, Check, X, Clock,
+  ChevronDown, Send, Zap, AlertTriangle, Radio
+} from "lucide-react"
+import Link from "next/link"
+
+/**
+ * /dashboard/automations — "Is it working? What's being sent?"
+ *
+ * THIS IS THE STAR OF THE SHOW.
+ *
+ * The entire product is an automation engine. Without it, PNPL is
+ * just a spreadsheet. This page makes the engine VISIBLE.
+ *
+ * Aaisha's questions:
+ * 1. "Are messages actually being sent?" → Live channel status
+ * 2. "What did Ahmed receive?" → Message feed with previews
+ * 3. "What happens after someone pledges?" → Visual pipeline
+ * 4. "Is everything working?" → Delivery stats
+ * 5. "What's coming up next?" → Scheduled reminders
+ *
+ * The page has 4 sections:
+ * A. Hero stats bar (dark) — messages this week, delivery rate
+ * B. Live channels — which pipes are active
+ * C. The Pipeline — visual "what happens after a pledge"
+ * D. Message feed — recent messages with status
+ */
+
+interface ChannelStatus {
+  whatsapp: boolean
+  email: { provider: string; fromAddress: string } | null
+  sms: { provider: string; fromNumber: string } | null
+}
+
+interface ChannelStats {
+  whatsapp: { sent: number; failed: number }
+  email: { sent: number; failed: number }
+  sms: { sent: number; failed: number }
+  total: number
+  deliveryRate: number
+}
+
+interface MessageEntry {
+  id: string; channel: string; messageType: string
+  donorName: string | null; success: boolean
+  error: string | null; createdAt: string
+}
+
+interface PendingReminder {
+  id: string; donorName: string | null; amountPence: number
+  step: number; channel: string; scheduledAt: string
+}
+
+const CHANNEL_ICONS: Record<string, typeof MessageCircle> = {
+  whatsapp: MessageCircle, email: Mail, sms: Smartphone,
+}
+const CHANNEL_COLORS: Record<string, string> = {
+  whatsapp: "#25D366", email: "#1E40AF", sms: "#F59E0B",
+}
+const MSG_LABELS: Record<string, string> = {
+  receipt: "Receipt",
+  reminder_1: "Reminder 1",
+  reminder_2: "Reminder 2",
+  reminder_3: "Reminder 3",
+  reminder_4: "Final reminder",
+  overdue_notice: "Overdue notice",
+  payment_confirmed: "Payment confirmed",
+  test: "Test message",
+}
+
+const PIPELINE_STEPS = [
+  {
+    trigger: "Someone pledges",
+    title: "Receipt",
+    desc: "Bank details, reference, confirmation",
+    timing: "Instantly",
+    messageType: "receipt",
+  },
+  {
+    trigger: "Day 2",
+    title: "Gentle reminder",
+    desc: "\"Just a quick reminder about your pledge...\"",
+    timing: "If not paid",
+    messageType: "reminder_1",
+  },
+  {
+    trigger: "Day 7",
+    title: "Impact nudge",
+    desc: "\"Your £X helps fund...\" — why it matters",
+    timing: "If not paid",
+    messageType: "reminder_2",
+  },
+  {
+    trigger: "Day 14",
+    title: "Final reminder",
+    desc: "\"This is our final message\" — reply PAID/CANCEL",
+    timing: "Marks overdue if no response",
+    messageType: "reminder_3",
+  },
+]
+
+export default function AutomationsPage() {
+  const [loading, setLoading] = useState(true)
+  const [channels, setChannels] = useState<ChannelStatus | null>(null)
+  const [stats, setStats] = useState<ChannelStats | null>(null)
+  const [history, setHistory] = useState<MessageEntry[]>([])
+  const [pending, setPending] = useState<PendingReminder[]>([])
+  const [pipelineOpen, setPipelineOpen] = useState(false)
+
+  const load = useCallback(async () => {
+    try {
+      const res = await fetch("/api/messaging/status")
+      const data = await res.json()
+      if (data.channels) setChannels(data.channels)
+      if (data.stats) setStats(data.stats)
+      if (data.history) setHistory(data.history)
+      if (data.pending) setPending(data.pending)
+    } catch { /* */ }
+    setLoading(false)
+  }, [])
+
+  useEffect(() => { load() }, [load])
+
+  if (loading) return <div className="flex items-center justify-center py-20"><Loader2 className="h-6 w-6 text-[#1E40AF] animate-spin" /></div>
+
+  const activeChannels = [
+    channels?.whatsapp ? "WhatsApp" : null,
+    channels?.email ? "Email" : null,
+    channels?.sms ? "SMS" : null,
+  ].filter(Boolean)
+
+  const noChannels = activeChannels.length === 0
+
+  return (
+    <div className="space-y-6">
+
+      {/* ── Header ── */}
+      <div>
+        <p className="text-[10px] font-bold text-gray-400 uppercase tracking-widest">Pledge follow-up engine</p>
+        <h1 className="text-3xl font-black text-[#111827] tracking-tight">Automations</h1>
+      </div>
+
+      {/* ── A. Hero stats (dark) ── */}
+      <div className="bg-[#111827] p-5">
+        <p className="text-[10px] font-bold text-gray-500 uppercase tracking-widest mb-3">Last 7 days</p>
+        <div className="grid grid-cols-2 md:grid-cols-5 gap-px bg-gray-700">
+          {[
+            { value: String(stats?.whatsapp.sent || 0), label: "WhatsApp", color: "text-[#25D366]" },
+            { value: String(stats?.email.sent || 0), label: "Email", color: "text-[#60A5FA]" },
+            { value: String(stats?.sms.sent || 0), label: "SMS", color: "text-[#FBBF24]" },
+            { value: String(stats?.total || 0), label: "Total messages", color: "text-white" },
+            { value: `${stats?.deliveryRate || 0}%`, label: "Delivered", color: (stats?.deliveryRate || 0) >= 90 ? "text-[#4ADE80]" : "text-[#FBBF24]" },
+          ].map(s => (
+            <div key={s.label} className="bg-[#111827] p-4">
+              <p className={`text-2xl font-black tracking-tight ${s.color}`}>{s.value}</p>
+              <p className="text-[10px] text-gray-500 mt-1">{s.label}</p>
+            </div>
+          ))}
+        </div>
+      </div>
+
+      {/* ── B. Live channels ── */}
+      <div className="bg-white border border-gray-200">
+        <div className="border-b border-gray-100 px-5 py-3 flex items-center justify-between">
+          <h2 className="text-sm font-bold text-[#111827]">Channels</h2>
+          <Link href="/dashboard/settings" className="text-[10px] font-bold text-[#1E40AF] hover:underline">
+            Configure in Settings →
+          </Link>
+        </div>
+
+        {noChannels ? (
+          <div className="p-8 text-center">
+            <AlertTriangle className="h-6 w-6 text-[#F59E0B] mx-auto mb-2" />
+            <p className="text-sm font-bold text-[#111827]">No channels connected</p>
+            <p className="text-xs text-gray-500 mt-1">Connect WhatsApp, Email, or SMS in Settings to start sending automatic receipts and reminders.</p>
+            <Link href="/dashboard/settings" className="inline-block mt-3 bg-[#111827] px-4 py-2 text-xs font-bold text-white hover:bg-gray-800 transition-colors">
+              Go to Settings
+            </Link>
+          </div>
+        ) : (
+          <div className="divide-y divide-gray-50">
+            {/* WhatsApp */}
+            <ChannelRow
+              name="WhatsApp"
+              icon={MessageCircle}
+              color="#25D366"
+              active={!!channels?.whatsapp}
+              detail={channels?.whatsapp ? "Connected · Receipts, reminders, chatbot" : "Not connected"}
+              stats={stats?.whatsapp}
+              features={["Instant receipts", "4-step reminders", "2-way chatbot (PAID/HELP/CANCEL)"]}
+            />
+            {/* Email */}
+            <ChannelRow
+              name="Email"
+              icon={Mail}
+              color="#1E40AF"
+              active={!!channels?.email}
+              detail={channels?.email ? `${channels.email.provider} · ${channels.email.fromAddress}` : "Not configured — add your Resend or SendGrid key in Settings"}
+              stats={stats?.email}
+              features={["HTML receipts", "Reminder emails", "Works for donors without WhatsApp"]}
+            />
+            {/* SMS */}
+            <ChannelRow
+              name="SMS"
+              icon={Smartphone}
+              color="#F59E0B"
+              active={!!channels?.sms}
+              detail={channels?.sms ? `${channels.sms.provider} · ${channels.sms.fromNumber}` : "Not configured — add your Twilio credentials in Settings"}
+              stats={stats?.sms}
+              features={["Text reminders", "Reaches everyone", "Fallback for no-WhatsApp donors"]}
+            />
+          </div>
+        )}
+      </div>
+
+      {/* ── C. The Pipeline — what happens after a pledge ── */}
+      <div className="bg-white border border-gray-200">
+        <button
+          onClick={() => setPipelineOpen(!pipelineOpen)}
+          className="w-full px-5 py-4 flex items-center justify-between hover:bg-[#F9FAFB] transition-colors"
+        >
+          <div className="flex items-center gap-3">
+            <Zap className="h-4 w-4 text-[#1E40AF]" />
+            <div className="text-left">
+              <h2 className="text-sm font-bold text-[#111827]">What happens after someone pledges</h2>
+              <p className="text-[10px] text-gray-500">4-step automated sequence · {activeChannels.join(" → ") || "no channels"}</p>
+            </div>
+          </div>
+          <ChevronDown className={`h-4 w-4 text-gray-300 transition-transform ${pipelineOpen ? "rotate-180" : ""}`} />
+        </button>
+
+        {pipelineOpen && (
+          <div className="px-5 pb-5 space-y-0">
+            {PIPELINE_STEPS.map((step, i) => (
+              <div key={i} className="flex gap-4">
+                {/* Timeline */}
+                <div className="flex flex-col items-center">
+                  <div className={`w-8 h-8 flex items-center justify-center shrink-0 ${i === 0 ? "bg-[#1E40AF] text-white" : "bg-gray-100 text-gray-500"}`}>
+                    <span className="text-[10px] font-black">{i + 1}</span>
+                  </div>
+                  {i < PIPELINE_STEPS.length - 1 && (
+                    <div className="w-px h-full bg-gray-200 min-h-[40px]" />
+                  )}
+                </div>
+
+                {/* Content */}
+                <div className="pb-6 flex-1">
+                  <div className="flex items-center gap-2 mb-1">
+                    <span className="text-[9px] font-bold text-[#1E40AF] bg-[#1E40AF]/10 px-1.5 py-0.5">{step.trigger}</span>
+                    <span className="text-[9px] text-gray-400">{step.timing}</span>
+                  </div>
+                  <p className="text-sm font-bold text-[#111827]">{step.title}</p>
+                  <p className="text-xs text-gray-500 mt-0.5">{step.desc}</p>
+                  <div className="flex items-center gap-1.5 mt-2">
+                    {activeChannels.map((ch, ci) => {
+                      const key = ch!.toLowerCase() as keyof typeof CHANNEL_COLORS
+                      return (
+                        <span key={ci} className="text-[8px] font-bold px-1.5 py-0.5" style={{ backgroundColor: CHANNEL_COLORS[key] + "15", color: CHANNEL_COLORS[key] }}>
+                          {ch}
+                        </span>
+                      )
+                    })}
+                    {activeChannels.length > 1 && (
+                      <span className="text-[8px] text-gray-400">waterfall</span>
+                    )}
+                  </div>
+                </div>
+              </div>
+            ))}
+
+            <div className="border-l-2 border-gray-200 pl-4 ml-[15px] py-3 text-xs text-gray-400">
+              Messages try <strong className="text-gray-600">WhatsApp first</strong>, then fall back to SMS, then Email. Donors who reply <code className="bg-gray-100 px-1 text-[10px] font-mono">PAID</code> skip all future reminders.
+            </div>
+          </div>
+        )}
+      </div>
+
+      {/* ── D. Upcoming reminders ── */}
+      {pending.length > 0 && (
+        <div className="bg-white border border-gray-200">
+          <div className="border-b border-gray-100 px-5 py-3">
+            <h2 className="text-sm font-bold text-[#111827] flex items-center gap-1.5">
+              <Clock className="h-4 w-4 text-gray-400" /> Scheduled ({pending.length})
+            </h2>
+          </div>
+          <div className="divide-y divide-gray-50">
+            {pending.slice(0, 8).map(r => {
+              const when = new Date(r.scheduledAt)
+              const isToday = when.toDateString() === new Date().toDateString()
+              const isTomorrow = when.toDateString() === new Date(Date.now() + 86400000).toDateString()
+              const label = isToday ? "Today" : isTomorrow ? "Tomorrow" : when.toLocaleDateString("en-GB", { day: "numeric", month: "short" })
+              const stepLabels = ["Receipt", "Reminder 1", "Reminder 2", "Final"]
+
+              return (
+                <div key={r.id} className="px-5 py-2.5 flex items-center gap-3">
+                  <div className={`w-1.5 h-1.5 shrink-0 ${isToday ? "bg-[#F59E0B]" : "bg-gray-300"}`} />
+                  <div className="flex-1 min-w-0">
+                    <p className="text-xs text-[#111827] truncate">
+                      <strong>{r.donorName || "Anonymous"}</strong> · {formatPence(r.amountPence)} · {stepLabels[r.step] || `Step ${r.step}`}
+                    </p>
+                  </div>
+                  <span className={`text-[10px] font-bold shrink-0 ${isToday ? "text-[#F59E0B]" : "text-gray-400"}`}>{label}</span>
+                </div>
+              )
+            })}
+          </div>
+        </div>
+      )}
+
+      {/* ── E. Recent messages ── */}
+      <div className="bg-white border border-gray-200">
+        <div className="border-b border-gray-100 px-5 py-3">
+          <h2 className="text-sm font-bold text-[#111827] flex items-center gap-1.5">
+            <Send className="h-4 w-4 text-gray-400" /> Recent messages
+          </h2>
+        </div>
+
+        {history.length === 0 ? (
+          <div className="p-8 text-center">
+            <Send className="h-6 w-6 text-gray-200 mx-auto mb-2" />
+            <p className="text-xs text-gray-400">No messages sent yet. Messages will appear here when donors start pledging.</p>
+          </div>
+        ) : (
+          <div className="divide-y divide-gray-50 max-h-[400px] overflow-y-auto">
+            {history.map(msg => {
+              const ChannelIcon = CHANNEL_ICONS[msg.channel] || Mail
+              const color = CHANNEL_COLORS[msg.channel] || "#999"
+              const ago = getTimeAgo(new Date(msg.createdAt))
+
+              return (
+                <div key={msg.id} className="px-5 py-2.5 flex items-center gap-3">
+                  {/* Channel icon */}
+                  <div className="w-6 h-6 flex items-center justify-center shrink-0" style={{ backgroundColor: color + "15" }}>
+                    <ChannelIcon className="h-3 w-3" style={{ color }} />
+                  </div>
+
+                  {/* Content */}
+                  <div className="flex-1 min-w-0">
+                    <p className="text-xs text-[#111827] truncate">
+                      <strong>{msg.donorName || "Anonymous"}</strong>
+                      <span className="text-gray-400 mx-1">·</span>
+                      {MSG_LABELS[msg.messageType] || msg.messageType}
+                    </p>
+                  </div>
+
+                  {/* Status */}
+                  {msg.success ? (
+                    <Check className="h-3.5 w-3.5 text-[#16A34A] shrink-0" />
+                  ) : (
+                    <span title={msg.error || "Failed"}><X className="h-3.5 w-3.5 text-[#DC2626] shrink-0" /></span>
+                  )}
+
+                  {/* Time */}
+                  <span className="text-[10px] text-gray-400 shrink-0 w-16 text-right">{ago}</span>
+                </div>
+              )
+            })}
+          </div>
+        )}
+      </div>
+    </div>
+  )
+}
+
+
+// ─── Channel row ─────────────────────────────────────────────
+
+function ChannelRow({ name, icon: Icon, color, active, detail, stats, features }: {
+  name: string; icon: typeof MessageCircle; color: string
+  active: boolean; detail: string
+  stats?: { sent: number; failed: number }
+  features: string[]
+}) {
+  return (
+    <div className="px-5 py-4">
+      <div className="flex items-center gap-3">
+        <div className="w-8 h-8 flex items-center justify-center shrink-0" style={{ backgroundColor: active ? color + "15" : "#F3F4F6" }}>
+          <Icon className="h-4 w-4" style={{ color: active ? color : "#9CA3AF" }} />
+        </div>
+        <div className="flex-1 min-w-0">
+          <div className="flex items-center gap-2">
+            <p className="text-sm font-bold text-[#111827]">{name}</p>
+            {active && (
+              <span className="text-[8px] font-bold px-1 py-0.5 flex items-center gap-0.5" style={{ backgroundColor: color + "15", color }}>
+                <Radio className="h-2 w-2" /> Live
+              </span>
+            )}
+          </div>
+          <p className="text-[10px] text-gray-500 truncate">{detail}</p>
+        </div>
+        {stats && active && (
+          <div className="text-right shrink-0">
+            <p className="text-sm font-black text-[#111827]">{stats.sent}</p>
+            <p className="text-[9px] text-gray-400">sent this week</p>
+          </div>
+        )}
+      </div>
+
+      {active && (
+        <div className="mt-3 flex flex-wrap gap-1.5 ml-11">
+          {features.map((f, i) => (
+            <span key={i} className="text-[9px] text-gray-500 bg-[#F9FAFB] px-2 py-1 flex items-center gap-1">
+              <Check className="h-2.5 w-2.5 text-[#16A34A]" /> {f}
+            </span>
+          ))}
+        </div>
+      )}
+    </div>
+  )
+}
+
+
+// ─── Helpers ─────────────────────────────────────────────────
+
+function getTimeAgo(date: Date): string {
+  const s = Math.floor((Date.now() - date.getTime()) / 1000)
+  if (s < 60) return "just now"
+  if (s < 3600) return `${Math.floor(s / 60)}m ago`
+  if (s < 86400) return `${Math.floor(s / 3600)}h ago`
+  if (s < 604800) return `${Math.floor(s / 86400)}d ago`
+  return date.toLocaleDateString("en-GB", { day: "numeric", month: "short" })
+}
--- a/pledge-now-pay-later/src/app/dashboard/layout.tsx
+++ b/pledge-now-pay-later/src/app/dashboard/layout.tsx
@@ -4,7 +4,7 @@ import Link from "next/link"
 import { usePathname } from "next/navigation"
 import { useSession, signOut } from "next-auth/react"
 import { useState, useEffect } from "react"
-import { Home, Megaphone, Banknote, FileText, Settings, Plus, LogOut, Shield, AlertTriangle, MessageCircle, Users } from "lucide-react"
+import { Home, Megaphone, Banknote, FileText, Settings, Plus, LogOut, Shield, AlertTriangle, MessageCircle, Users, Zap } from "lucide-react"
 import { cn } from "@/lib/utils"

 /**
@@ -17,6 +17,7 @@ const adminNavItems = [
  { href: "/dashboard", label: "Home", icon: Home },
  { href: "/dashboard/collect", label: "Collect", icon: Megaphone },
  { href: "/dashboard/money", label: "Money", icon: Banknote },
+  { href: "/dashboard/automations", label: "Automations", icon: Zap },
  { href: "/dashboard/reports", label: "Reports", icon: FileText },
  { href: "/dashboard/settings", label: "Settings", icon: Settings },
 ]
@@ -44,6 +45,7 @@ export default function DashboardLayout({ children }: { children: React.ReactNod
    if (href === "/dashboard/community") return pathname === "/dashboard/community" || pathname === "/dashboard"
    if (href === "/dashboard/collect") return pathname.startsWith("/dashboard/collect") || pathname.startsWith("/dashboard/events")
    if (href === "/dashboard/money") return pathname.startsWith("/dashboard/money") || pathname.startsWith("/dashboard/pledges") || pathname.startsWith("/dashboard/reconcile")
+    if (href === "/dashboard/automations") return pathname.startsWith("/dashboard/automations")
    if (href === "/dashboard/reports") return pathname.startsWith("/dashboard/reports") || pathname.startsWith("/dashboard/exports")
    return pathname.startsWith(href)
  }
--- a/pledge-now-pay-later/src/app/dashboard/settings/page.tsx
+++ b/pledge-now-pay-later/src/app/dashboard/settings/page.tsx
@@ -6,7 +6,7 @@ import {
  Check, Loader2, AlertCircle, MessageCircle, Radio, RefreshCw,
  Smartphone, Wifi, WifiOff, UserPlus, Trash2, Copy,
  Users, Crown, Eye, Building2, CreditCard, Palette, ChevronRight,
-  Zap, Pencil
+  Zap, Pencil, Mail
 } from "lucide-react"

 /**
@@ -48,6 +48,8 @@ interface OrgSettings {
  bankAccountName: string; refPrefix: string; primaryColor: string
  gcAccessToken: string; gcEnvironment: string; orgType: string
  stripeSecretKey: string; stripeWebhookSecret: string
+  emailProvider: string; emailApiKey: string; emailFromAddress: string; emailFromName: string
+  smsProvider: string; smsAccountSid: string; smsAuthToken: string; smsFromNumber: string
 }

 interface TeamMember {
@@ -364,6 +366,85 @@ export default function SettingsPage() {
          </div>
        </SettingRow>

+        {/* ▸ Email ─────────────────────────────── */}
+        <SettingRow
+          configured={!!settings.emailApiKey}
+          icon={<Mail className={`h-4 w-4 ${settings.emailApiKey ? "text-[#1E40AF]" : "text-gray-400"}`} />}
+          title="Email"
+          summary={settings.emailApiKey ? `${settings.emailProvider || "Resend"} · ${settings.emailFromAddress}` : "Send receipts and reminders by email"}
+          isOpen={open === "email"}
+          onToggle={() => toggle("email")}
+          optional
+          saving={saving === "email"}
+          saved={saved === "email"}
+        >
+          <div className="space-y-4">
+            <div className="border-l-2 border-[#1E40AF] pl-3 text-xs text-gray-500">
+              Send receipts and reminders to donors who don&apos;t have WhatsApp. Connect your <strong className="text-gray-700">own email provider</strong> — messages come from your domain.
+            </div>
+            <div>
+              <label className="text-[10px] font-bold text-gray-500 uppercase tracking-wide block mb-2">Provider</label>
+              <div className="flex gap-2">
+                {["resend", "sendgrid"].map(p => (
+                  <button key={p} onClick={() => update("emailProvider", p)} className={`px-4 py-2 text-xs font-bold border-2 transition-colors ${(settings.emailProvider || "resend") === p ? "border-[#1E40AF] bg-[#1E40AF]/5 text-[#1E40AF]" : "border-gray-200 text-gray-400"}`}>
+                    {p === "resend" ? "Resend" : "SendGrid"}
+                  </button>
+                ))}
+              </div>
+              {(settings.emailProvider || "resend") === "resend" && !settings.emailApiKey && (
+                <p className="text-[10px] text-gray-400 mt-2">Free: 3,000 emails/month at <a href="https://resend.com" target="_blank" rel="noopener noreferrer" className="text-[#1E40AF] font-bold hover:underline">resend.com</a></p>
+              )}
+            </div>
+            <Field label="API key" value={settings.emailApiKey || ""} onChange={v => update("emailApiKey", v)} placeholder={settings.emailProvider === "sendgrid" ? "SG.xxxxx" : "re_xxxxx"} type="password" />
+            <div className="grid grid-cols-2 gap-3">
+              <Field label="From address" value={settings.emailFromAddress || ""} onChange={v => update("emailFromAddress", v)} placeholder="donations@mymosque.org" />
+              <Field label="From name" value={settings.emailFromName || ""} onChange={v => update("emailFromName", v)} placeholder="Al Furqan Mosque" />
+            </div>
+            <SaveRow
+              section="email" saving={saving} saved={saved}
+              onSave={() => save("email", { emailProvider: settings.emailProvider || "resend", emailApiKey: settings.emailApiKey || "", emailFromAddress: settings.emailFromAddress || "", emailFromName: settings.emailFromName || "" })}
+              onCancel={() => setOpen(null)}
+            />
+          </div>
+        </SettingRow>
+
+        {/* ▸ SMS ──────────────────────────────── */}
+        <SettingRow
+          configured={!!settings.smsAccountSid}
+          icon={<Smartphone className={`h-4 w-4 ${settings.smsAccountSid ? "text-[#F59E0B]" : "text-gray-400"}`} />}
+          title="SMS"
+          summary={settings.smsAccountSid ? `Twilio · ${settings.smsFromNumber}` : "Text reminders for donors without WhatsApp"}
+          isOpen={open === "sms"}
+          onToggle={() => toggle("sms")}
+          optional
+          saving={saving === "sms"}
+          saved={saved === "sms"}
+        >
+          <div className="space-y-4">
+            <div className="border-l-2 border-[#F59E0B] pl-3 text-xs text-gray-500">
+              Send SMS reminders via <strong className="text-gray-700">Twilio</strong>. Reaches donors who don&apos;t have WhatsApp and haven&apos;t provided an email. Pay-as-you-go (~3p per SMS).
+            </div>
+            {!settings.smsAccountSid && (
+              <div className="bg-[#F9FAFB] border border-gray-100 p-3">
+                <p className="text-[10px] font-bold text-[#111827] mb-1">Get your Twilio credentials</p>
+                <ol className="text-[10px] text-gray-500 space-y-1 list-decimal list-inside">
+                  <li>Sign up at <a href="https://www.twilio.com" target="_blank" rel="noopener noreferrer" className="text-[#F59E0B] font-bold hover:underline">twilio.com</a></li>
+                  <li>Copy your <strong className="text-gray-700">Account SID</strong> and <strong className="text-gray-700">Auth Token</strong> from the dashboard</li>
+                  <li>Buy a phone number (or use the trial number)</li>
+                </ol>
+              </div>
+            )}
+            <Field label="Account SID" value={settings.smsAccountSid || ""} onChange={v => update("smsAccountSid", v)} placeholder="ACxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx" />
+            <Field label="Auth token" value={settings.smsAuthToken || ""} onChange={v => update("smsAuthToken", v)} placeholder="Your auth token" type="password" />
+            <Field label="From number" value={settings.smsFromNumber || ""} onChange={v => update("smsFromNumber", v)} placeholder="+447123456789" />
+            <SaveRow
+              section="sms" saving={saving} saved={saved}
+              onSave={() => save("sms", { smsProvider: "twilio", smsAccountSid: settings.smsAccountSid || "", smsAuthToken: settings.smsAuthToken || "", smsFromNumber: settings.smsFromNumber || "" })}
+              onCancel={() => setOpen(null)}
+            />
+          </div>
+        </SettingRow>
+
        {/* ▸ Team ─────────────────────────────── */}
        {isAdmin && (
          <TeamRow
--- a/pledge-now-pay-later/src/lib/email.ts
+++ b/pledge-now-pay-later/src/lib/email.ts
@@ -0,0 +1,113 @@
+/**
+ * Email sending — per-org, bring your own key.
+ *
+ * Supported providers:
+ * - Resend (recommended — free tier: 3,000 emails/month)
+ * - SendGrid
+ *
+ * Each charity pastes their API key in Settings.
+ * Emails come from THEIR domain (e.g. donations@mymosque.org).
+ */
+
+import { Resend } from "resend"
+
+interface EmailConfig {
+  provider: string
+  apiKey: string
+  fromAddress: string
+  fromName: string
+}
+
+interface SendResult {
+  success: boolean
+  messageId?: string
+  error?: string
+}
+
+/**
+ * Send an email using the org's configured provider.
+ */
+export async function sendEmail(
+  config: EmailConfig,
+  to: string,
+  subject: string,
+  text: string,
+  html?: string
+): Promise<SendResult> {
+  if (!config.apiKey || !config.fromAddress) {
+    return { success: false, error: "Email not configured" }
+  }
+
+  try {
+    if (config.provider === "resend") {
+      return await sendViaResend(config, to, subject, text, html)
+    }
+    if (config.provider === "sendgrid") {
+      return await sendViaSendGrid(config, to, subject, text, html)
+    }
+    return { success: false, error: `Unknown provider: ${config.provider}` }
+  } catch (err) {
+    console.error("[EMAIL]", err)
+    return { success: false, error: String(err) }
+  }
+}
+
+async function sendViaResend(
+  config: EmailConfig, to: string, subject: string, text: string, html?: string
+): Promise<SendResult> {
+  const resend = new Resend(config.apiKey)
+  const result = await resend.emails.send({
+    from: `${config.fromName} <${config.fromAddress}>`,
+    to: [to],
+    subject,
+    text,
+    html: html || textToHtml(text),
+  })
+
+  if (result.error) {
+    return { success: false, error: result.error.message }
+  }
+  return { success: true, messageId: result.data?.id }
+}
+
+async function sendViaSendGrid(
+  config: EmailConfig, to: string, subject: string, text: string, html?: string
+): Promise<SendResult> {
+  const res = await fetch("https://api.sendgrid.com/v3/mail/send", {
+    method: "POST",
+    headers: {
+      "Authorization": `Bearer ${config.apiKey}`,
+      "Content-Type": "application/json",
+    },
+    body: JSON.stringify({
+      personalizations: [{ to: [{ email: to }] }],
+      from: { email: config.fromAddress, name: config.fromName },
+      subject,
+      content: [
+        { type: "text/plain", value: text },
+        { type: "text/html", value: html || textToHtml(text) },
+      ],
+    }),
+  })
+
+  if (res.ok || res.status === 202) {
+    return { success: true, messageId: res.headers.get("x-message-id") || undefined }
+  }
+  const err = await res.text().catch(() => "Unknown error")
+  return { success: false, error: err }
+}
+
+/**
+ * Convert plain text to simple HTML email.
+ */
+function textToHtml(text: string): string {
+  const escaped = text
+    .replace(/&/g, "&amp;")
+    .replace(/</g, "&lt;")
+    .replace(/>/g, "&gt;")
+    .replace(/\n/g, "<br>")
+    .replace(/\*(.+?)\*/g, "<strong>$1</strong>")
+    .replace(/`(.+?)`/g, "<code style='background:#f3f4f6;padding:2px 6px;font-family:monospace'>$1</code>")
+
+  return `<!DOCTYPE html><html><head><meta charset="utf-8"><style>body{font-family:-apple-system,BlinkMacSystemFont,sans-serif;font-size:15px;line-height:1.6;color:#111827;max-width:500px;margin:0 auto;padding:20px}code{background:#f3f4f6;padding:2px 6px;font-family:monospace}</style></head><body>${escaped}</body></html>`
+}
--- a/pledge-now-pay-later/src/lib/messaging.ts
+++ b/pledge-now-pay-later/src/lib/messaging.ts
@@ -0,0 +1,307 @@
+/**
+ * Unified Messaging Layer
+ *
+ * The BRAIN of the automation engine. Routes messages to donors
+ * across channels with intelligent fallback:
+ *
+ *   WhatsApp (free, instant, 2-way)
+ *     ↓ fallback
+ *   SMS (paid, instant, 1-way)
+ *     ↓ fallback
+ *   Email (free/cheap, delayed, 1-way)
+ *
+ * Each message attempt is logged to AnalyticsEvent for the
+ * Automations dashboard to display.
+ */
+
+import { sendWhatsAppMessage, isWhatsAppReady } from "@/lib/whatsapp"
+import { sendEmail } from "@/lib/email"
+import { sendSms } from "@/lib/sms"
+import prisma from "@/lib/prisma"
+
+export type Channel = "whatsapp" | "sms" | "email"
+export type MessageType =
+  | "receipt"
+  | "reminder_1"
+  | "reminder_2"
+  | "reminder_3"
+  | "reminder_4"
+  | "overdue_notice"
+  | "payment_confirmed"
+  | "test"
+
+interface OrgChannels {
+  whatsapp: boolean
+  email: { provider: string; apiKey: string; fromAddress: string; fromName: string } | null
+  sms: { provider: string; accountSid: string; authToken: string; fromNumber: string } | null
+}
+
+interface SendOptions {
+  donorPhone?: string | null
+  donorEmail?: string | null
+  donorName?: string | null
+  whatsappOptIn?: boolean
+  emailOptIn?: boolean
+  messageType: MessageType
+  subject?: string
+  whatsappText: string
+  emailText: string
+  smsText: string
+  orgId: string
+  pledgeId?: string
+  eventId?: string
+}
+
+interface SendResult {
+  channel: Channel | "none"
+  success: boolean
+  messageId?: string
+  error?: string
+  fallbackAttempted?: Channel
+}
+
+/**
+ * Get the org's configured channels.
+ */
+export async function getOrgChannels(orgId: string): Promise<OrgChannels> {
+  if (!prisma) return { whatsapp: false, email: null, sms: null }
+
+  const org = await prisma.organization.findUnique({
+    where: { id: orgId },
+    select: {
+      whatsappConnected: true,
+      emailProvider: true, emailApiKey: true, emailFromAddress: true, emailFromName: true, name: true,
+      smsProvider: true, smsAccountSid: true, smsAuthToken: true, smsFromNumber: true,
+    },
+  })
+
+  if (!org) return { whatsapp: false, email: null, sms: null }
+
+  const waReady = org.whatsappConnected && await isWhatsAppReady()
+
+  return {
+    whatsapp: waReady,
+    email: org.emailProvider && org.emailApiKey && org.emailFromAddress
+      ? { provider: org.emailProvider, apiKey: org.emailApiKey, fromAddress: org.emailFromAddress, fromName: org.emailFromName || org.name }
+      : null,
+    sms: org.smsProvider && org.smsAccountSid && org.smsAuthToken && org.smsFromNumber
+      ? { provider: org.smsProvider, accountSid: org.smsAccountSid, authToken: org.smsAuthToken, fromNumber: org.smsFromNumber }
+      : null,
+  }
+}
+
+/**
+ * Send a message to a donor via the best available channel.
+ *
+ * Priority: WhatsApp → SMS → Email
+ * Respects donor consent flags.
+ * Logs every attempt to AnalyticsEvent.
+ */
+export async function sendToDonor(opts: SendOptions): Promise<SendResult> {
+  const channels = await getOrgChannels(opts.orgId)
+
+  // Build priority list based on what's available AND what the donor has
+  const attempts: Array<{ channel: Channel; canSend: boolean }> = [
+    {
+      channel: "whatsapp",
+      canSend: channels.whatsapp && !!opts.donorPhone && opts.whatsappOptIn !== false,
+    },
+    {
+      channel: "sms",
+      canSend: !!channels.sms && !!opts.donorPhone,
+    },
+    {
+      channel: "email",
+      canSend: !!channels.email && !!opts.donorEmail && opts.emailOptIn !== false,
+    },
+  ]
+
+  let result: SendResult = { channel: "none", success: false, error: "No channel available" }
+
+  for (const attempt of attempts) {
+    if (!attempt.canSend) continue
+
+    try {
+      if (attempt.channel === "whatsapp") {
+        const wa = await sendWhatsAppMessage(opts.donorPhone!, opts.whatsappText)
+        result = { channel: "whatsapp", success: wa.success, messageId: wa.messageId, error: wa.error }
+      } else if (attempt.channel === "sms" && channels.sms) {
+        const smsResult = await sendSms(channels.sms, opts.donorPhone!, opts.smsText)
+        result = { channel: "sms", success: smsResult.success, messageId: smsResult.messageId, error: smsResult.error }
+      } else if (attempt.channel === "email" && channels.email) {
+        const emailResult = await sendEmail(
+          channels.email,
+          opts.donorEmail!,
+          opts.subject || "Pledge update",
+          opts.emailText
+        )
+        result = { channel: "email", success: emailResult.success, messageId: emailResult.messageId, error: emailResult.error }
+      }
+
+      // Log the attempt
+      await logMessage(opts, attempt.channel, result.success, result.error)
+
+      if (result.success) return result
+
+      // Failed — try next channel (add fallback note)
+      result.fallbackAttempted = attempt.channel
+    } catch (err) {
+      await logMessage(opts, attempt.channel, false, String(err))
+      result = { channel: attempt.channel, success: false, error: String(err) }
+    }
+  }
+
+  // All channels exhausted
+  if (!result.success) {
+    await logMessage(opts, "none" as Channel, false, "All channels exhausted")
+  }
+
+  return result
+}
+
+/**
+ * Log a message attempt to AnalyticsEvent.
+ */
+async function logMessage(
+  opts: SendOptions,
+  channel: Channel | string,
+  success: boolean,
+  error?: string
+) {
+  if (!prisma) return
+  try {
+    await prisma.analyticsEvent.create({
+      data: {
+        eventType: `message.${channel}.${opts.messageType}.${success ? "sent" : "failed"}`,
+        pledgeId: opts.pledgeId || null,
+        eventId: opts.eventId || null,
+        metadata: {
+          channel,
+          messageType: opts.messageType,
+          donorName: opts.donorName,
+          donorPhone: opts.donorPhone ? opts.donorPhone.slice(-4) : null, // privacy: last 4 digits
+          donorEmail: opts.donorEmail ? opts.donorEmail.replace(/(.{2}).*@/, "$1***@") : null,
+          success,
+          error: error || undefined,
+          orgId: opts.orgId,
+        },
+      },
+    })
+  } catch (e) {
+    console.error("[MESSAGING] Log failed:", e)
+  }
+}
+
+/**
+ * Get message history for the automations dashboard.
+ */
+export async function getMessageHistory(orgId: string, limit = 50): Promise<Array<{
+  id: string
+  channel: string
+  messageType: string
+  donorName: string | null
+  success: boolean
+  error: string | null
+  createdAt: Date
+}>> {
+  if (!prisma) return []
+
+  const events = await prisma.analyticsEvent.findMany({
+    where: {
+      eventType: { startsWith: "message." },
+      metadata: { path: ["orgId"], equals: orgId },
+    },
+    orderBy: { createdAt: "desc" },
+    take: limit,
+  })
+
+  return events.map(e => {
+    const m = e.metadata as Record<string, unknown> || {}
+    return {
+      id: e.id,
+      channel: String(m.channel || "unknown"),
+      messageType: String(m.messageType || "unknown"),
+      donorName: m.donorName as string | null,
+      success: m.success === true,
+      error: m.error as string | null,
+      createdAt: e.createdAt,
+    }
+  })
+}
+
+/**
+ * Get channel stats for the automations dashboard.
+ */
+export async function getChannelStats(orgId: string, days = 7): Promise<{
+  whatsapp: { sent: number; failed: number }
+  email: { sent: number; failed: number }
+  sms: { sent: number; failed: number }
+  total: number
+  deliveryRate: number
+}> {
+  if (!prisma) return { whatsapp: { sent: 0, failed: 0 }, email: { sent: 0, failed: 0 }, sms: { sent: 0, failed: 0 }, total: 0, deliveryRate: 0 }
+
+  const since = new Date(Date.now() - days * 86400000)
+
+  const events = await prisma.analyticsEvent.findMany({
+    where: {
+      eventType: { startsWith: "message." },
+      metadata: { path: ["orgId"], equals: orgId },
+      createdAt: { gte: since },
+    },
+    select: { eventType: true },
+  })
+
+  const stats = { whatsapp: { sent: 0, failed: 0 }, email: { sent: 0, failed: 0 }, sms: { sent: 0, failed: 0 } }
+
+  for (const e of events) {
+    const parts = e.eventType.split(".")
+    const channel = parts[1] as keyof typeof stats
+    const status = parts[3]
+    if (stats[channel]) {
+      if (status === "sent") stats[channel].sent++
+      else if (status === "failed") stats[channel].failed++
+    }
+  }
+
+  const total = stats.whatsapp.sent + stats.email.sent + stats.sms.sent + stats.whatsapp.failed + stats.email.failed + stats.sms.failed
+  const sent = stats.whatsapp.sent + stats.email.sent + stats.sms.sent
+  const deliveryRate = total > 0 ? Math.round((sent / total) * 100) : 0
+
+  return { ...stats, total, deliveryRate }
+}
+
+/**
+ * Get scheduled/pending reminders for the automations dashboard.
+ */
+export async function getPendingReminders(orgId: string, limit = 20): Promise<Array<{
+  id: string
+  donorName: string | null
+  amountPence: number
+  step: number
+  channel: string
+  scheduledAt: Date
+}>> {
+  if (!prisma) return []
+
+  const reminders = await prisma.reminder.findMany({
+    where: {
+      status: "pending",
+      pledge: { organizationId: orgId, status: { notIn: ["paid", "cancelled"] } },
+    },
+    include: {
+      pledge: { select: { donorName: true, amountPence: true } },
+    },
+    orderBy: { scheduledAt: "asc" },
+    take: limit,
+  })
+
+  return reminders.map(r => ({
+    id: r.id,
+    donorName: r.pledge.donorName,
+    amountPence: r.pledge.amountPence,
+    step: r.step,
+    channel: r.channel,
+    scheduledAt: r.scheduledAt,
+  }))
+}
--- a/pledge-now-pay-later/src/lib/sms.ts
+++ b/pledge-now-pay-later/src/lib/sms.ts
@@ -0,0 +1,77 @@
+/**
+ * SMS sending — per-org, bring your own key.
+ *
+ * Supported providers:
+ * - Twilio
+ *
+ * Each charity pastes their Twilio credentials in Settings.
+ * SMS comes from THEIR number.
+ */
+
+interface SmsConfig {
+  provider: string
+  accountSid: string
+  authToken: string
+  fromNumber: string
+}
+
+interface SendResult {
+  success: boolean
+  messageId?: string
+  error?: string
+}
+
+/**
+ * Send an SMS using the org's configured provider.
+ */
+export async function sendSms(
+  config: SmsConfig,
+  to: string,
+  body: string
+): Promise<SendResult> {
+  if (!config.accountSid || !config.authToken || !config.fromNumber) {
+    return { success: false, error: "SMS not configured" }
+  }
+
+  try {
+    if (config.provider === "twilio") {
+      return await sendViaTwilio(config, to, body)
+    }
+    return { success: false, error: `Unknown provider: ${config.provider}` }
+  } catch (err) {
+    console.error("[SMS]", err)
+    return { success: false, error: String(err) }
+  }
+}
+
+async function sendViaTwilio(
+  config: SmsConfig, to: string, body: string
+): Promise<SendResult> {
+  // Normalize UK number
+  let phone = to.replace(/[\s\-\(\)]/g, "")
+  if (phone.startsWith("0")) phone = "+44" + phone.slice(1)
+  if (!phone.startsWith("+")) phone = "+" + phone
+
+  const url = `https://api.twilio.com/2010-04-01/Accounts/${config.accountSid}/Messages.json`
+  const auth = Buffer.from(`${config.accountSid}:${config.authToken}`).toString("base64")
+
+  const res = await fetch(url, {
+    method: "POST",
+    headers: {
+      "Authorization": `Basic ${auth}`,
+      "Content-Type": "application/x-www-form-urlencoded",
+    },
+    body: new URLSearchParams({
+      To: phone,
+      From: config.fromNumber,
+      Body: body,
+    }),
+  })
+
+  const data = await res.json()
+
+  if (data.sid) {
+    return { success: true, messageId: data.sid }
+  }
+  return { success: false, error: data.message || "Twilio error" }
+}