Cloning can be done in many ways on the shipping and payment modules ...
The easiest method is to take the name, such as: moneyorder
And make a new name such as:
moneyorderbyphone
byphone
fred
and copy the files:
/includes/modules/payment/moneyorder.php
/includes/languages/english/modules/payment/moneyorder.php
and copy to the new name such as:
/includes/modules/payment/moneyorderbyphone.php
/includes/languages/english/modules/payment/moneyorderbyphone.php
Then edit the new files and replace all moneyorder with moneyorderbyphone and MONEYORDER with MONEYORDERBYPHONE ...
Then you can customize the language file to read as you would like to see it ...
bing bang boom ... and you have cloned a payment module ... :cool: