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FINERACT-2210: Fix journal entries creation issue when amount is null

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mariiaKraievska
2025-04-22 17:10:54 +02:00
committed by Adam Saghy
parent a1d51e1e34
commit a11c567413
7 changed files with 442 additions and 142 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
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@@ -8123,3 +8123,225 @@ Feature: Charge-off
And Loan Charges tab has the following data:
| Name | isPenalty | Payment due at | Due as of | Calculation type | Due | Paid | Waived | Outstanding |
| Snooze fee | false | Specified due date | 23 January 2024 | Flat | 5.0 | 0.0 | 5.0 | 0.0 |
@TestRailId:C3611
Scenario: As a user I want to verify that backdated transactions are allowed after charge-off and backdated full repayment, interestRecalculation = false
When Admin sets the business date to "11 March 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON | 11 March 2025 | 500 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "11 March 2025" with "500" amount and expected disbursement date on "11 March 2025"
And Admin successfully disburse the loan on "11 March 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 2 | 30 | 11 May 2025 | | 335.37 | 82.6 | 2.4 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 3 | 31 | 11 June 2025 | | 252.36 | 83.01 | 1.99 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 4 | 30 | 11 July 2025 | | 168.81 | 83.55 | 1.45 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 5 | 31 | 11 August 2025 | | 84.81 | 84.0 | 1.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 6 | 31 | 11 September 2025| | 0.0 | 84.81 | 0.5 | 0.0 | 0.0 | 85.31 | 0.0 | 0.0 | 0.0 | 0.0 | 85.31 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 10.31 | 0.0 | 0 | 510.31 | 0.0 | 0 | 0 | 0.0 | 510.31 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
Then Admin can successfully set Fraud flag to the loan
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan with reason "DELINQUENT" on "14 April 2025"
Then Loan marked as charged-off on "14 April 2025"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 2 | 30 | 11 May 2025 | | 333.21 | 84.76 | 0.24 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 3 | 31 | 11 June 2025 | | 248.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 4 | 30 | 11 July 2025 | | 163.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 5 | 31 | 11 August 2025 | | 78.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 6 | 31 | 11 September 2025 | | 0.0 | 78.21 | 0.0 | 0.0 | 0.0 | 78.21 | 0.0 | 0.0 | 0.0 | 0.0 | 78.21 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 3.21 | 0.0 | 0 | 503.21 | 0 | 0 | 0 | 0.0 | 503.21 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 503.21 | 500.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
When Admin runs inline COB job for Loan
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 335.37 | 82.6 | 2.4 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 252.36 | 83.01 | 1.99 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 168.81 | 83.55 | 1.45 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 84.81 | 84.0 | 1.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | | 0.0 | 84.81 | 0.0 | 0.0 | 0.0 | 84.81 | 75.0 | 75.0 | 0.0 | 0.0 | 9.81 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 9.81 | 0.0 | 0 | 509.81 | 500.0 | 415.0 | 85.0 | 0.0 | 9.81 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 490.19 | 9.81 | 0.0 | 0.0 | 9.81 | false | false |
| 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 9.81 | 9.81 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 335.37 | 82.6 | 2.4 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 252.36 | 83.01 | 1.99 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 168.81 | 83.55 | 1.45 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 84.81 | 84.0 | 1.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 84.81 | 0.5 | 0.0 | 0.0 | 85.31 | 85.31 | 85.31 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 10.31 | 0.0 | 0 | 510.31 | 510.31 | 425.31 | 85.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 490.19 | 9.81 | 0.0 | 0.0 | 9.81 | false | false |
| 13 April 2025 | Merchant Issued Refund | 500.0 | 9.81 | 0.5 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 335.37 | 82.6 | 2.4 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 252.36 | 83.01 | 1.99 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 168.81 | 83.55 | 1.45 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 84.81 | 84.0 | 1.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 84.81 | 0.5 | 0.0 | 0.0 | 85.31 | 85.31 | 85.31 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 10.31 | 0.0 | 0 | 510.31 | 510.31 | 425.31 | 85.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 490.19 | 9.81 | 0.0 | 0.0 | 9.81 | false | false |
| 13 April 2025 | Merchant Issued Refund | 500.0 | 9.81 | 0.5 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Goodwill Credit | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3612
Scenario: As a user I want to verify that backdated transactions are allowed after charge-off and backdated full repayment, interestRecalculation = true
When Admin sets the business date to "11 March 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON_INTEREST_RECALC | 11 March 2025 | 500 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "11 March 2025" with "500" amount and expected disbursement date on "11 March 2025"
And Admin successfully disburse the loan on "11 March 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 2 | 30 | 11 May 2025 | | 335.37 | 82.6 | 2.4 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 3 | 31 | 11 June 2025 | | 252.36 | 83.01 | 1.99 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 4 | 30 | 11 July 2025 | | 168.81 | 83.55 | 1.45 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 5 | 31 | 11 August 2025 | | 84.81 | 84.0 | 1.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 6 | 31 | 11 September 2025| | 0.0 | 84.81 | 0.5 | 0.0 | 0.0 | 85.31 | 0.0 | 0.0 | 0.0 | 0.0 | 85.31 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 10.31 | 0.0 | 0 | 510.31 | 0.0 | 0 | 0 | 0.0 | 510.31 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
Then Admin can successfully set Fraud flag to the loan
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan with reason "DELINQUENT" on "14 April 2025"
Then Loan marked as charged-off on "14 April 2025"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 2 | 30 | 11 May 2025 | | 333.26 | 84.71 | 0.29 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 3 | 31 | 11 June 2025 | | 248.26 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 4 | 30 | 11 July 2025 | | 163.26 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 5 | 31 | 11 August 2025 | | 78.26 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 6 | 31 | 11 September 2025 | | 0.0 | 78.26 | 0.0 | 0.0 | 0.0 | 78.26 | 0.0 | 0.0 | 0.0 | 0.0 | 78.26 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 3.26 | 0.0 | 0 | 503.26 | 0.0 | 0 | 0 | 0.0 | 503.26 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 14 April 2025 | Accrual | 3.26 | 0.0 | 3.26 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 503.26 | 500.0 | 3.26 | 0.0 | 0.0 | 0.0 | false | false |
When Admin runs inline COB job for Loan
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 333.16 | 84.81 | 0.19 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 248.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 163.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 78.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | | 0.0 | 78.16 | 0.0 | 0.0 | 0.0 | 78.16 | 75.0 | 75.0 | 0.0 | 0.0 | 3.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 3.16 | 0.0 | 0 | 503.16 | 500.0 | 415.0 | 85.0 | 0.0 | 3.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 496.84 | 3.16 | 0.0 | 0.0 | 3.16 | false | false |
| 14 April 2025 | Accrual | 3.26 | 0.0 | 3.26 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 3.16 | 3.16 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 333.16 | 84.81 | 0.19 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 248.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 163.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 78.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 78.16 | 0.0 | 0.0 | 0.0 | 78.16 | 78.16 | 78.16 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 3.16 | 0.0 | 0 | 503.16 | 503.16 | 418.16 | 85.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 496.84 | 3.16 | 0.0 | 0.0 | 3.16 | false | false |
| 13 April 2025 | Merchant Issued Refund | 500.0 | 3.16 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 3.26 | 0.0 | 3.26 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.97 | 82.03 | 2.97 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 333.16 | 84.81 | 0.19 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 248.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 163.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 78.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 78.16 | 0.0 | 0.0 | 0.0 | 78.16 | 78.16 | 78.16 | 0.0 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 3.16 | 0.0 | 0 | 503.16 | 503.16 | 418.16 | 85.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 496.84 | 3.16 | 0.0 | 0.0 | 3.16 | false | false |
| 13 April 2025 | Merchant Issued Refund | 500.0 | 3.16 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 13 April 2025 | Goodwill Credit | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 3.26 | 0.0 | 3.26 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |