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FINERACT-2226: Fix repayment reversal issue after charge off and MIR

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This commit is contained in:
mariiaKraievska
2025-04-28 17:56:44 +02:00
committed by Adam Saghy
parent db28fa1463
commit c8a641e474
8 changed files with 354 additions and 19 deletions
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fineract-e2e-tests-runner/src/test/resources/features/Loan.feature
+1 -1
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@@ -6441,7 +6441,7 @@ Feature: Loan
| 11 March 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
| 11 March 2025 | Merchant Issued Refund | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 11 March 2025 | Disbursement | 200.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200.0 |
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
When Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3570
Scenario: Verify Loan is fully paid and closed after full Merchant issued refund 1 day after disbursement
fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff.feature
+286 -1
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@@ -8439,4 +8439,289 @@ Feature: Charge-off
| EXPENSE | 744007 | Credit Loss/Bad Debt | DEBIT | 100.00 |
| INCOME | 404001 | Interest Income Charge Off | DEBIT | 0.62 |
| EXPENSE | 744007 | Credit Loss/Bad Debt | CREDIT | 100.00 |
| INCOME | 404001 | Interest Income Charge Off | CREDIT | 0.62 |
| INCOME | 404001 | Interest Income Charge Off | CREDIT | 0.62 |
@TestRailId:C3619
Scenario: Verify repayment reversal after charge-off and merchant issued refund
When Admin sets the business date to "14 March 2025"
When Admin creates a client with random data
When 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_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL | 14 March 2025 | 900 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025"
And Admin successfully disburse the loan on "14 March 2025" with "900" EUR transaction amount
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
When Admin sets the business date to "05 April 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" with 100 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 0.0 | 0.0 | 0.0 | 229.42 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 100.0 | 100.0 | 0.0 | 818.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan on "14 April 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 0.0 | 0.0 | 0.0 | 229.42 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 100.0 | 100.0 | 0.0 | 818.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 818.49 | 800.0 | 18.49 | 0.0 | 0.0 | 0.0 |
When Admin sets the business date to "15 April 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 229.69 | 100.0 | 129.69 | 0.0 |
| 2 | 30 | 14 May 2025 | 15 April 2025 | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 3 | 31 | 14 June 2025 | 15 April 2025 | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 229.42 | 229.42 | 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 | Outstanding |
| 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 918.49 | 788.8 | 129.69 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 818.49 | 800.0 | 18.49 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 18.49 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Interest Refund | 18.49 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
When Customer undo "1"th repayment on "05 April 2025"
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 229.69 | 0.0 | 229.69 | 0.0 |
| 2 | 30 | 14 May 2025 | 15 April 2025 | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 3 | 31 | 14 June 2025 | 15 April 2025 | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 229.68 | 229.68 | 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 | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 918.75 | 689.06 | 229.69 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 918.75 | 900.0 | 18.75 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 883.1 | 16.9 | 0.0 | 0.0 | 16.9 | false | true |
| 15 April 2025 | Interest Refund | 18.75 | 16.9 | 1.85 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3620
Scenario: Verify repayment reversal after zero interest behaviour charge-off and merchant issued refund
When Admin sets the business date to "14 March 2025"
When Admin creates a client with random data
When 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_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF | 14 March 2025 | 900 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025"
And Admin successfully disburse the loan on "14 March 2025" with "900" EUR transaction amount
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
When Admin sets the business date to "05 April 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" with 100 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 0.0 | 0.0 | 0.0 | 229.42 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 100.0 | 100.0 | 0.0 | 818.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan on "14 April 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 447.94 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 218.25 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 218.25 | 0.0 | 0.0 | 0.0 | 218.25 | 0.0 | 0.0 | 0.0 | 218.25 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 100.0 | 100.0 | 0.0 | 807.32 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 807.32 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 |
When Admin sets the business date to "15 April 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 229.69 | 100.0 | 129.69 | 0.0 |
| 2 | 30 | 14 May 2025 | 15 April 2025 | 447.94 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 3 | 31 | 14 June 2025 | 15 April 2025 | 218.25 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 218.25 | 0.0 | 0.0 | 0.0 | 218.25 | 218.25 | 218.25 | 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 | Outstanding |
| 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 907.32 | 777.63 | 129.69 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 807.32 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Interest Refund | 7.32 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
When Customer undo "1"th repayment on "05 April 2025"
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 229.69 | 0.0 | 229.69 | 0.0 |
| 2 | 30 | 14 May 2025 | 15 April 2025 | 448.19 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 3 | 31 | 14 June 2025 | 15 April 2025 | 218.5 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 218.5 | 0.0 | 0.0 | 0.0 | 218.5 | 218.5 | 218.5 | 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 | Outstanding |
| 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 677.88 | 229.69 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 907.57 | 900.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 892.43 | 7.57 | 0.0 | 0.0 | 7.57 | false | true |
| 15 April 2025 | Interest Refund | 7.57 | 7.57 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3621
Scenario: Verify repayment reversal after accelerate maturity behaviour charge-off and merchant issued refund
When Admin sets the business date to "14 March 2025"
When Admin creates a client with random data
When 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_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ACCELERATE_MATURITY_CHARGE_OFF | 14 March 2025 | 900 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025"
And Admin successfully disburse the loan on "14 March 2025" with "900" EUR transaction amount
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
When Admin sets the business date to "05 April 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" with 100 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 4 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.63 | 222.37 | 7.32 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 453.45 | 224.18 | 5.51 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.57 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.57 | 1.85 | 0.0 | 0.0 | 229.42 | 0.0 | 0.0 | 0.0 | 229.42 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.49 | 0.0 | 0.0 | 918.49 | 100.0 | 100.0 | 0.0 | 818.49 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan on "14 April 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 1 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 0.0 | 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 100.0 | 100.0 | 0.0 | 807.32 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 100.0 | 100.0 | 0.0 | 807.32 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 807.32 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 |
When Admin sets the business date to "15 April 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 1 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 0.0 | 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 907.32 | 100.0 | 807.32 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.32 | 0.0 | 0.0 | 907.32 | 907.32 | 100.0 | 807.32 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 807.32 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 7.32 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Interest Refund | 7.32 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
When Customer undo "1"th repayment on "05 April 2025"
Then Loan Repayment schedule has 1 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 | Outstanding |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 0.0 | 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 0.0 | 907.57 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 0.0 | 907.57 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false |
| 14 April 2025 | Accrual | 7.32 | 0.0 | 7.32 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 907.57 | 900.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2025 | Interest Refund | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | true |