FINERACT-2406: Set COMMIT flush mode during transaction processing

2025-11-06 21:12:58 +01:00
parent 5079203d57
commit ccf760c79d
11 changed files with 737 additions and 47 deletions
@@ -18,6 +18,8 @@
 */
 package org.apache.fineract.integrationtests;

+import static com.jayway.jsonpath.internal.path.PathCompiler.fail;
+import static org.apache.fineract.integrationtests.BaseLoanIntegrationTest.TransactionProcessingStrategyCode.ADVANCED_PAYMENT_ALLOCATION_STRATEGY;
 import static org.apache.fineract.integrationtests.common.loans.LoanProductTestBuilder.DEFAULT_STRATEGY;
 import static org.junit.jupiter.api.Assertions.assertEquals;
 import static org.junit.jupiter.api.Assertions.assertFalse;
@@ -25,6 +27,7 @@ import static org.junit.jupiter.api.Assertions.assertNotNull;
 import static org.junit.jupiter.api.Assertions.assertThrows;
 import static org.junit.jupiter.api.Assertions.assertTrue;

+import com.google.gson.Gson;
 import io.restassured.builder.RequestSpecBuilder;
 import io.restassured.builder.ResponseSpecBuilder;
 import io.restassured.http.ContentType;
@@ -35,6 +38,7 @@ import java.time.LocalDate;
 import java.util.ArrayList;
 import java.util.Calendar;
 import java.util.List;
+import java.util.Map;
 import java.util.UUID;
 import org.apache.fineract.batch.command.internal.CreateTransactionLoanCommandStrategy;
 import org.apache.fineract.batch.domain.BatchRequest;
@@ -95,6 +99,7 @@ public class LoanTransactionInterestPaymentWaiverTest extends BaseLoanIntegratio
    private static PostClientsResponse client;
    private static LoanRescheduleRequestHelper loanRescheduleRequestHelper;
    private static ChargesHelper chargesHelper;
+    private static final Gson GSON = new Gson();

    @BeforeAll
    public static void setup() {
@@ -1617,6 +1622,422 @@ public class LoanTransactionInterestPaymentWaiverTest extends BaseLoanIntegratio
        });
    }

+    @Test
+    public void testInterestPaymentWaiverBatchExternalIdOnChargedOffLoan() {
+        Long[] loanIdContainer = new Long[1];
+        String[] loanExternalIdContainer = new String[1];
+
+        runAt("01 January 2025", () -> {
+            PostLoanProductsRequest loanProductRequest = create4IProgressiveWithChargeOffBehaviour();
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductRequest);
+            Long loanProductId = loanProductResponse.getResourceId();
+            assertNotNull(loanProductId);
+
+            PostClientsResponse clientResponse = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
+            Long clientId = clientResponse.getClientId();
+            assertNotNull(clientId);
+
+            String loanExternalId = UUID.randomUUID().toString();
+            Long createdLoanId = applyAndApproveLoan(clientId, loanProductId, "01 January 2022", 1500.0, 3,
+                    req -> req.numberOfRepayments(3).loanTermFrequency(3).loanTermFrequencyType(RepaymentFrequencyType.MONTHS)
+                            .repaymentEvery(1).repaymentFrequencyType(RepaymentFrequencyType.MONTHS)
+                            .interestRatePerPeriod(BigDecimal.valueOf(9.99))
+                            .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY).externalId(loanExternalId)
+                            .transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION_STRATEGY));
+            disburseLoan(createdLoanId, BigDecimal.valueOf(1500.0), "01 January 2022");
+
+            Long chargeOffTransactionId = chargeOffLoan(createdLoanId, "15 June 2022");
+            assertNotNull(chargeOffTransactionId);
+
+            loanIdContainer[0] = createdLoanId;
+            loanExternalIdContainer[0] = loanExternalId;
+        });
+
+        Long loanId = loanIdContainer[0];
+        String loanExternalId = loanExternalIdContainer[0];
+
+        runAt("01 January 2025", () -> {
+            String transactionExternalId = UUID.randomUUID().toString();
+            LocalDate waiverDate = LocalDate.of(2022, 9, 24);
+            BigDecimal waiverAmount = new BigDecimal("46.56");
+
+            String waiverBodyJson = GSON.toJson(Map.of("transactionDate", waiverDate.toString(), "dateFormat", "yyyy-MM-dd", "locale",
+                    "de_DE", "transactionAmount", waiverAmount.toString(), "externalId", transactionExternalId));
+
+            BatchRequest waiverRequest = new BatchRequest();
+            waiverRequest.setRequestId(1L);
+            waiverRequest.setRelativeUrl("loans/external-id/" + loanExternalId + "/transactions?command=interestPaymentWaiver");
+            waiverRequest.setMethod("POST");
+            waiverRequest.setBody(waiverBodyJson);
+
+            BatchRequest getRequest = new BatchRequest();
+            getRequest.setRequestId(2L);
+            getRequest.setRelativeUrl("loans/external-id/" + loanExternalId + "/transactions/external-id/$.resourceExternalId");
+            getRequest.setMethod("GET");
+            getRequest.setReference(1L);
+
+            List<BatchRequest> batchRequests = new ArrayList<>();
+            batchRequests.add(waiverRequest);
+            batchRequests.add(getRequest);
+
+            List<BatchResponse> responses = BatchHelper.postBatchRequestsWithEnclosingTransaction(requestSpec, responseSpec,
+                    BatchHelper.toJsonString(batchRequests));
+
+            assertEquals(2, responses.size());
+
+            BatchResponse waiverResponse = responses.get(0);
+            assertEquals(200, waiverResponse.getStatusCode());
+            assertNotNull(waiverResponse.getBody());
+
+            Map<String, Object> waiverResponseBody = GSON.fromJson(waiverResponse.getBody(), Map.class);
+            Object resourceExternalId = waiverResponseBody.get("resourceExternalId");
+
+            BatchResponse getResponse = responses.get(1);
+
+            if (resourceExternalId == null) {
+                fail("POST response missing resourceExternalId field. GET Response: " + getResponse.getBody());
+            }
+
+            if (getResponse.getStatusCode() != 200) {
+                fail(String.format(
+                        "GET transaction by external ID failed. Status: %d, Expected externalId: %s, "
+                                + "Actual resourceExternalId: %s, GET Response: %s",
+                        getResponse.getStatusCode(), transactionExternalId, resourceExternalId, getResponse.getBody()));
+            }
+
+            assertNotNull(getResponse.getBody());
+            Map<String, Object> getResponseBody = GSON.fromJson(getResponse.getBody(), Map.class);
+            Object retrievedExternalId = getResponseBody.get("externalId");
+            assertEquals(transactionExternalId, retrievedExternalId);
+        });
+    }
+
+    /**
+     * Test case that reproduces backdated charge-off followed by backdated interest waiver.
+     *
+     * This is the CRITICAL scenario from production: "backbook migrations" where transactions are created TODAY but
+     * with backdated transaction dates. This triggers reverse-replays and reprocessing that causes the external ID
+     * clearing bug.
+     *
+     * Key difference from forward-dated scenario: - All transactions created in PRESENT (today) - But with PAST
+     * transaction dates (backdated) - This triggers different reprocessing logic - Charge-off creates missing accruals
+     * → config query → premature flush
+     */
+    @Test
+    public void testInterestPaymentWaiverBackbookBatchExternalId() {
+        runAt("01 January 2025", () -> {
+            PostLoanProductsRequest loanProductRequest = create4IProgressiveWithChargeOffBehaviour();
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductRequest);
+            Long loanProductId = loanProductResponse.getResourceId();
+            assertNotNull(loanProductId);
+
+            PostClientsResponse clientResponse = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
+            Long clientId = clientResponse.getClientId();
+            assertNotNull(clientId);
+
+            String loanExternalId = UUID.randomUUID().toString();
+            Long loanId = applyAndApproveLoan(clientId, loanProductId, "18 January 2022", 431.98, 3,
+                    req -> req.numberOfRepayments(3).loanTermFrequency(3).loanTermFrequencyType(RepaymentFrequencyType.MONTHS)
+                            .repaymentEvery(1).repaymentFrequencyType(RepaymentFrequencyType.MONTHS)
+                            .interestRatePerPeriod(BigDecimal.valueOf(9.99))
+                            .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY).externalId(loanExternalId)
+                            .transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION_STRATEGY));
+
+            disburseLoan(loanId, BigDecimal.valueOf(431.98), "18 January 2022");
+
+            loanTransactionHelper.makeLoanRepayment("28 February 2022", 19.83f, loanId.intValue());
+            PostLoansLoanIdTransactionsResponse txn2 = loanTransactionHelper.makeLoanRepayment("18 March 2022", 19.83f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn2.getResourceId().intValue(), "18 March 2022");
+
+            Long chargeOffTxnId = chargeOffLoan(loanId, "16 September 2022");
+            assertNotNull(chargeOffTxnId);
+
+            String transactionExternalId = UUID.randomUUID().toString();
+            LocalDate waiverDate = LocalDate.of(2022, 9, 24);
+            BigDecimal waiverAmount = new BigDecimal("46.56");
+
+            String waiverBodyJson = GSON.toJson(Map.of("transactionDate", waiverDate.toString(), "dateFormat", "yyyy-MM-dd", "locale",
+                    "de_DE", "transactionAmount", waiverAmount.toString(), "externalId", transactionExternalId));
+
+            BatchRequest waiverRequest = new BatchRequest();
+            waiverRequest.setRequestId(1L);
+            waiverRequest.setRelativeUrl("loans/external-id/" + loanExternalId + "/transactions?command=interestPaymentWaiver");
+            waiverRequest.setMethod("POST");
+            waiverRequest.setBody(waiverBodyJson);
+
+            BatchRequest getRequest = new BatchRequest();
+            getRequest.setRequestId(2L);
+            getRequest.setRelativeUrl("loans/external-id/" + loanExternalId + "/transactions/external-id/$.resourceExternalId");
+            getRequest.setMethod("GET");
+            getRequest.setReference(1L);
+
+            List<BatchRequest> batchRequests = new ArrayList<>();
+            batchRequests.add(waiverRequest);
+            batchRequests.add(getRequest);
+
+            List<BatchResponse> responses = BatchHelper.postBatchRequestsWithEnclosingTransaction(requestSpec, responseSpec,
+                    BatchHelper.toJsonString(batchRequests));
+
+            assertEquals(2, responses.size());
+
+            BatchResponse waiverResponse = responses.get(0);
+            assertEquals(200, waiverResponse.getStatusCode());
+            assertNotNull(waiverResponse.getBody());
+
+            Map<String, Object> waiverResponseBody = GSON.fromJson(waiverResponse.getBody(), Map.class);
+            Object resourceExternalId = waiverResponseBody.get("resourceExternalId");
+
+            BatchResponse getResponse = responses.get(1);
+
+            if (resourceExternalId == null) {
+                fail("POST response missing resourceExternalId with backbook scenario. GET Response: " + getResponse.getBody());
+            }
+
+            if (getResponse.getStatusCode() != 200) {
+                fail(String.format("GET failed. Status: %d, Expected externalId: %s, Actual resourceExternalId: %s, GET Response: %s",
+                        getResponse.getStatusCode(), transactionExternalId, resourceExternalId, getResponse.getBody()));
+            }
+
+            assertNotNull(getResponse.getBody());
+            Map<String, Object> getResponseBody = GSON.fromJson(getResponse.getBody(), Map.class);
+            Object retrievedExternalId = getResponseBody.get("externalId");
+            assertEquals(transactionExternalId, retrievedExternalId);
+        });
+    }
+
+    @Test
+    public void testInterestPaymentWaiverComplexTransactionHistoryBatchExternalId() {
+        Long[] loanIdContainer = new Long[1];
+        String[] loanExternalIdContainer = new String[1];
+
+        runAt("18 January 2022", () -> {
+            PostLoanProductsRequest loanProductRequest = create4IProgressiveWithChargeOffBehaviour();
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductRequest);
+            Long loanProductId = loanProductResponse.getResourceId();
+            assertNotNull(loanProductId);
+
+            PostClientsResponse clientResponse = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
+            Long clientId = clientResponse.getClientId();
+            assertNotNull(clientId);
+
+            String loanExternalId = UUID.randomUUID().toString();
+
+            Long createdLoanId = applyAndApproveLoan(clientId, loanProductId, "18 January 2022", 431.98, 3,
+                    req -> req.numberOfRepayments(3).loanTermFrequency(3).loanTermFrequencyType(RepaymentFrequencyType.MONTHS)
+                            .repaymentEvery(1).repaymentFrequencyType(RepaymentFrequencyType.MONTHS)
+                            .interestRatePerPeriod(BigDecimal.valueOf(9.99))
+                            .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY).externalId(loanExternalId)
+                            .transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION_STRATEGY));
+            disburseLoan(createdLoanId, BigDecimal.valueOf(431.98), "18 January 2022");
+            loanIdContainer[0] = createdLoanId;
+            loanExternalIdContainer[0] = loanExternalId;
+        });
+
+        Long loanId = loanIdContainer[0];
+        String loanExternalId = loanExternalIdContainer[0];
+
+        runAt("28 February 2022", () -> {
+            loanTransactionHelper.makeLoanRepayment("28 February 2022", 19.83f, loanId.intValue());
+        });
+
+        runAt("18 March 2022", () -> {
+            PostLoansLoanIdTransactionsResponse txn = loanTransactionHelper.makeLoanRepayment("18 March 2022", 19.83f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn.getResourceId().intValue(), "18 March 2022");
+        });
+
+        runAt("31 March 2022", () -> {
+            PostLoansLoanIdTransactionsResponse txn = loanTransactionHelper.makeLoanRepayment("31 March 2022", 19.83f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn.getResourceId().intValue(), "31 March 2022");
+        });
+
+        runAt("18 April 2022", () -> {
+            PostLoansLoanIdTransactionsResponse txn = loanTransactionHelper.makeLoanRepayment("18 April 2022", 39.66f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn.getResourceId().intValue(), "18 April 2022");
+        });
+
+        runAt("16 September 2022", () -> {
+            Long chargeOffTransactionId = chargeOffLoan(loanId, "16 September 2022");
+            assertNotNull(chargeOffTransactionId);
+        });
+
+        runAt("24 September 2022", () -> {
+            String transactionExternalId = UUID.randomUUID().toString();
+            LocalDate waiverDate = LocalDate.of(2022, 9, 24);
+            BigDecimal waiverAmount = new BigDecimal("46.56");
+
+            String waiverBodyJson = GSON.toJson(Map.of("transactionDate", waiverDate.toString(), "dateFormat", "yyyy-MM-dd", "locale",
+                    "de_DE", "transactionAmount", waiverAmount.toString(), "externalId", transactionExternalId));
+
+            BatchRequest waiverRequest = new BatchRequest();
+            waiverRequest.setRequestId(1L);
+            waiverRequest.setRelativeUrl("loans/external-id/" + loanExternalId + "/transactions?command=interestPaymentWaiver");
+            waiverRequest.setMethod("POST");
+            waiverRequest.setBody(waiverBodyJson);
+
+            BatchRequest getRequest = new BatchRequest();
+            getRequest.setRequestId(2L);
+            getRequest.setRelativeUrl("loans/external-id/" + loanExternalId + "/transactions/external-id/$.resourceExternalId");
+            getRequest.setMethod("GET");
+            getRequest.setReference(1L);
+
+            List<BatchRequest> batchRequests = new ArrayList<>();
+            batchRequests.add(waiverRequest);
+            batchRequests.add(getRequest);
+
+            List<BatchResponse> responses = BatchHelper.postBatchRequestsWithEnclosingTransaction(requestSpec, responseSpec,
+                    BatchHelper.toJsonString(batchRequests));
+
+            assertEquals(2, responses.size());
+
+            BatchResponse waiverResponse = responses.get(0);
+            assertEquals(200, waiverResponse.getStatusCode());
+            assertNotNull(waiverResponse.getBody());
+
+            Map<String, Object> waiverResponseBody = GSON.fromJson(waiverResponse.getBody(), Map.class);
+            Object resourceExternalId = waiverResponseBody.get("resourceExternalId");
+
+            BatchResponse getResponse = responses.get(1);
+
+            if (resourceExternalId == null) {
+                fail("POST response missing resourceExternalId with complex scenario. GET Response: " + getResponse.getBody());
+            }
+
+            if (getResponse.getStatusCode() != 200) {
+                fail(String.format("GET failed. Status: %d, Expected externalId: %s, Actual resourceExternalId: %s, GET Response: %s",
+                        getResponse.getStatusCode(), transactionExternalId, resourceExternalId, getResponse.getBody()));
+            }
+
+            assertNotNull(getResponse.getBody());
+            Map<String, Object> getResponseBody = GSON.fromJson(getResponse.getBody(), Map.class);
+            Object retrievedExternalId = getResponseBody.get("externalId");
+            assertEquals(transactionExternalId, retrievedExternalId);
+        });
+    }
+
+    @Test
+    public void testInterestPaymentWaiverProductionScenarioBatchExternalId() {
+        runAt("01 January 2025", () -> {
+            PostLoanProductsRequest loanProductRequest = create4IProgressiveWithChargeOffBehaviour();
+            PostLoanProductsResponse loanProductResponse = loanProductHelper.createLoanProduct(loanProductRequest);
+            Long loanProductId = loanProductResponse.getResourceId();
+            assertNotNull(loanProductId);
+
+            PostClientsResponse clientResponse = clientHelper.createClient(ClientHelper.defaultClientCreationRequest());
+            Long clientId = clientResponse.getClientId();
+            assertNotNull(clientId);
+
+            String loanExternalId = UUID.randomUUID().toString();
+            Long loanId = applyAndApproveLoan(clientId, loanProductId, "18 January 2022", 431.98, 3,
+                    req -> req.numberOfRepayments(3).loanTermFrequency(3).loanTermFrequencyType(RepaymentFrequencyType.MONTHS)
+                            .repaymentEvery(1).repaymentFrequencyType(RepaymentFrequencyType.MONTHS)
+                            .interestRatePerPeriod(BigDecimal.valueOf(9.99))
+                            .interestCalculationPeriodType(InterestCalculationPeriodType.DAILY).externalId(loanExternalId)
+                            .transactionProcessingStrategyCode(ADVANCED_PAYMENT_ALLOCATION_STRATEGY));
+
+            disburseLoan(loanId, BigDecimal.valueOf(431.98), "18 January 2022");
+
+            loanTransactionHelper.makeLoanRepayment("28 February 2022", 19.83f, loanId.intValue());
+
+            PostLoansLoanIdTransactionsResponse txn2 = loanTransactionHelper.makeLoanRepayment("18 March 2022", 19.83f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn2.getResourceId().intValue(), "18 March 2022");
+
+            PostLoansLoanIdTransactionsResponse txn3 = loanTransactionHelper.makeLoanRepayment("31 March 2022", 19.83f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn3.getResourceId().intValue(), "31 March 2022");
+
+            PostLoansLoanIdTransactionsResponse txn4 = loanTransactionHelper.makeLoanRepayment("18 April 2022", 39.66f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn4.getResourceId().intValue(), "18 April 2022");
+
+            PostLoansLoanIdTransactionsResponse txn5 = loanTransactionHelper.makeLoanRepayment("18 May 2022", 59.49f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn5.getResourceId().intValue(), "18 May 2022");
+
+            PostLoansLoanIdTransactionsResponse txn6 = loanTransactionHelper.makeLoanRepayment("18 June 2022", 64.83f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn6.getResourceId().intValue(), "18 June 2022");
+
+            PostLoansLoanIdTransactionsResponse txn7 = loanTransactionHelper.makeLoanRepayment("18 July 2022", 65.32f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn7.getResourceId().intValue(), "18 July 2022");
+
+            PostLoansLoanIdTransactionsResponse txn8 = loanTransactionHelper.makeLoanRepayment("18 August 2022", 65.83f, loanId.intValue());
+            loanTransactionHelper.reverseRepayment(loanId.intValue(), txn8.getResourceId().intValue(), "18 August 2022");
+
+            Long chargeOffTxnId = chargeOffLoan(loanId, "16 September 2022");
+            assertNotNull(chargeOffTxnId);
+
+            String transactionExternalId = UUID.randomUUID().toString();
+            LocalDate waiverDate = LocalDate.of(2022, 9, 24);
+            String waiverAmount = "46,56";
+
+            String waiverBodyJson = GSON.toJson(Map.of("transactionDate", waiverDate.toString(), "dateFormat", "yyyy-MM-dd", "locale",
+                    "de_DE", "transactionAmount", waiverAmount, "externalId", transactionExternalId));
+
+            BatchRequest waiverRequest = new BatchRequest();
+            waiverRequest.setRequestId(1L);
+            waiverRequest.setRelativeUrl("loans/external-id/" + loanExternalId + "/transactions?command=interestPaymentWaiver");
+            waiverRequest.setMethod("POST");
+            waiverRequest.setBody(waiverBodyJson);
+
+            BatchRequest getRequest = new BatchRequest();
+            getRequest.setRequestId(2L);
+            getRequest.setRelativeUrl("loans/external-id/" + loanExternalId + "/transactions/external-id/$.resourceExternalId");
+            getRequest.setMethod("GET");
+            getRequest.setReference(1L);
+
+            List<BatchRequest> batchRequests = new ArrayList<>();
+            batchRequests.add(waiverRequest);
+            batchRequests.add(getRequest);
+
+            List<BatchResponse> responses = BatchHelper.postBatchRequestsWithEnclosingTransaction(requestSpec, responseSpec,
+                    BatchHelper.toJsonString(batchRequests));
+
+            if (responses.size() != 2) {
+                fail("Batch API returned " + responses.size() + " responses instead of 2.");
+            }
+
+            assertEquals(2, responses.size());
+
+            BatchResponse waiverResponse = responses.get(0);
+            assertEquals(200, waiverResponse.getStatusCode());
+
+            Map<String, Object> waiverResponseBody = GSON.fromJson(waiverResponse.getBody(), Map.class);
+            Object resourceExternalId = waiverResponseBody.get("resourceExternalId");
+
+            if (resourceExternalId == null) {
+                fail("POST response missing resourceExternalId with production scenario.");
+            }
+
+            BatchResponse getResponse = responses.get(1);
+            if (getResponse.getStatusCode() != 200) {
+                fail(String.format("GET failed. Status: %d, Expected externalId: %s, Actual resourceExternalId: %s, GET Response: %s",
+                        getResponse.getStatusCode(), transactionExternalId, resourceExternalId, getResponse.getBody()));
+            }
+
+            assertNotNull(getResponse.getBody());
+            Map<String, Object> getResponseBody = GSON.fromJson(getResponse.getBody(), Map.class);
+            Object retrievedExternalId = getResponseBody.get("externalId");
+            assertEquals(transactionExternalId, retrievedExternalId);
+        });
+    }
+
+    private PostLoanProductsRequest create4IProgressiveWithChargeOffBehaviour() {
+        return create4IProgressive().principal(1500.0) // Production uses 1500, not 1000
+                .minPrincipal(1.0) // Production min
+                .maxPrincipal(10000.0) // Keep same
+                .numberOfRepayments(3) // Production uses 3, not 4
+                .minNumberOfRepayments(3) // Production min
+                .maxNumberOfRepayments(24) // Production max
+                .daysInMonthType(1) // ACTUAL, not 30 - matches production
+                .daysInYearType(1) // ACTUAL, not 360 - matches production
+                .enableAccrualActivityPosting(true) // CRITICAL: enables accrual transaction generation
+                .chargeOffBehaviour("ZERO_INTEREST").enableInstallmentLevelDelinquency(true).interestRecognitionOnDisbursementDate(true)
+                .daysInYearCustomStrategy(DaysInYearCustomStrategy.FEB_29_PERIOD_ONLY).disallowInterestCalculationOnPastDue(true)
+                .supportedInterestRefundTypes(List.of("MERCHANT_ISSUED_REFUND", "PAYOUT_REFUND"))
+                .paymentAllocation(List.of(createPaymentAllocation("DEFAULT", "NEXT_INSTALLMENT"),
+                        createPaymentAllocation("REPAYMENT", "NEXT_INSTALLMENT"),
+                        createPaymentAllocation("MERCHANT_ISSUED_REFUND", "LAST_INSTALLMENT"),
+                        createPaymentAllocation("PAYOUT_REFUND", "LAST_INSTALLMENT"),
+                        createPaymentAllocation("GOODWILL_CREDIT", "LAST_INSTALLMENT"),
+                        createPaymentAllocation("INTEREST_PAYMENT_WAIVER", "NEXT_INSTALLMENT")));
+    }
+
    private void chargeFee(Long loanId, Double amount, String dueDate) {
        PostChargesResponse feeCharge = chargesHelper.createCharges(new ChargeRequest().penalty(false).amount(9.0)
                .chargeCalculationType(ChargeCalculationType.FLAT.getValue()).chargeTimeType(ChargeTimeType.SPECIFIED_DUE_DATE.getValue())