Merge branch 'develop'

src/main/java/au/com/royalpay/payment/manage/merchants/core/impls/ClientManagerImpl.java

@@ -972,7 +972,7 @@ public class ClientManagerImpl implements ClientManager, ManagerTodoNoticeProvid
                 username += "0";
             }
         }
-        sendInitEmail(client, username, pwd);
+        sendInitEmail(client, username.toLowerCase(), pwd);
         // sendInitEmail(manager, client, username, pwd);
     }