Bullfrog,
> I am now going to suggest to QT that X-Payments should have installation and
> modification instructions INCLUDED with distributions.
Actually there is a line about upgrarding in X-Payments README file:
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V. UPGRADE
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For upgrade instructions please follow this link:
http://help.qtmsoft.com/index.php?title=X-Payments:Upgrading
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Perhaps you meant some other file or place within X-Payment package?