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FINERACT-2421: added e2e test covering manual interest refund on closed loan generates exception

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This commit is contained in:
Rustam Zeinalov
2026-01-23 14:00:49 +01:00
committed by Adam Saghy
parent fb96df64ab
commit f7a90d8776
5 changed files with 256 additions and 0 deletions
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fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/data/loanproduct/DefaultLoanProduct.java
+1
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@@ -129,6 +129,7 @@ public enum DefaultLoanProduct implements LoanProduct {
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK, //
LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30_INTEREST_RECALC_DAILY_CASH_ACCOUNTING_DISBURSEMENT_CHARGES, //
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF, //
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY, //
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ACCELERATE_MATURITY_CHARGE_OFF, //
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF, //
LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ACC_MATUR_CHARGE_OFF, //
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/stepdef/loan/LoanStepDef.java
+33
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@@ -458,6 +458,39 @@ public class LoanStepDef extends AbstractStepDef {
eventCheckHelper.loanBalanceChangedEventCheck(loanId);
}
@When("Admin manually adds Interest Refund for {string}th {string} transaction made on {string} with {double} EUR interest refund amount")
public void addInterestRefundTransactionManuallyNth(final String nthTransaction, final String transactionTypeInput,
final String transactionDate, final double amount) throws IOException {
final PostLoansResponse loanResponse = testContext().get(TestContextKey.LOAN_CREATE_RESPONSE);
final long loanId = loanResponse.getLoanId();
final TransactionType transactionType = TransactionType.valueOf(transactionTypeInput);
final GetLoansLoanIdResponse loanDetailsResponse = ok(() -> fineractClient.loans().retrieveLoan(loanId,
Map.of("staffInSelectedOfficeOnly", "false", "associations", "transactions")));
assert loanDetailsResponse != null;
final List<GetLoansLoanIdTransactions> transactions = loanDetailsResponse.getTransactions();
assert transactions != null;
final int nthItem = Integer.parseInt(nthTransaction) - 1;
final List<GetLoansLoanIdTransactions> matchingTransactions = transactions.stream()
.filter(t -> t.getType() != null
&& (transactionType.equals(TransactionType.PAYOUT_REFUND) ? "Payout Refund" : "Merchant Issued Refund")
.equals(t.getType().getValue())
&& t.getDate() != null && transactionDate.equals(FORMATTER.format(t.getDate())))
.toList();
if (nthItem < 0 || nthItem >= matchingTransactions.size()) {
throw new IllegalStateException("No " + nthTransaction + "th refund transaction found on " + transactionDate + " for loan "
+ loanId + ". Found " + matchingTransactions.size() + " matching transactions.");
}
final GetLoansLoanIdTransactions refundTransaction = matchingTransactions.get(nthItem);
final PostLoansLoanIdTransactionsResponse adjustmentResponse = addInterestRefundTransaction(amount, refundTransaction.getId());
testContext().set(TestContextKey.LOAN_INTEREST_REFUND_RESPONSE, adjustmentResponse);
eventCheckHelper.transactionEventCheck(adjustmentResponse, TransactionType.INTEREST_REFUND, null);
eventCheckHelper.loanBalanceChangedEventCheck(loanId);
}
@When("Admin manually adds Interest Refund for {string} transaction made on invalid date {string} with {double} EUR interest refund amount")
public void addInterestRefundTransactionManuallyWithInvalidDate(final String transactionTypeInput, final String transactionDate,
final double amount) {
fineract-e2e-tests-core/src/test/java/org/apache/fineract/test/support/TestContextKey.java
+1
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@@ -116,6 +116,7 @@ public abstract class TestContextKey {
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_REFUND_FULL = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualInterestRefundFull";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_REFUND_FULL = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualNoInterestRecalcRefundFull";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualInterestRefundFullZeroInterestChargeOff";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualInterestRefundFullZeroInterestChargeOffAccrualActivity";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualNoInterestRecalcInterestRefundFullZeroInterestChargeOff";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ACCELERATE_MATURITY_CHARGE_OFF = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualInterestRefundFullAccelerateMaturityChargeOff";
public static final String DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ACC_MATUR_CHARGE_OFF = "loanProductCreateResponseLP2AdvancedPaymentInterestDailyEmiActualActualNoInterestRecalcInterestRefundFullAccelerateMaturityChargeOff";
fineract-e2e-tests-runner/src/test/java/org/apache/fineract/test/initializer/global/LoanProductGlobalInitializerStep.java
+22
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@@ -4429,6 +4429,28 @@ public class LoanProductGlobalInitializerStep implements FineractGlobalInitializ
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_360_30_INT_RECALC_DAILY_MULTIDISB_FULL_TERM_TRANCHE_DOWNPAYMENT_AUTO,
responseLoanProductsRequestLP2AdvPymntIntEmi36030IntRecalcDailyMultiDisbFullTermTrancheDownPaymentAuto);
// LP2 + zero-interest chargeOff behaviour + progressive loan schedule + horizontal + interest recalculation +
// accrual activity posting
// (LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY)
final String name173 = DefaultLoanProduct.LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY
.getName();
final PostLoanProductsRequest loanProductsRequestLP2AdvPaymentIntEmiActualActualIntRefundFullZeroIntChargeOffAccrualActivity = loanProductsRequestLP2AdvancedpaymentInterestEmiActualActualInterestRefundFull
.name(name173)//
.shortName(loanProductsRequestFactory.generateShortNameSafely())//
.enableAccrualActivityPosting(true)//
.allowApprovedDisbursedAmountsOverApplied(true)//
.overAppliedCalculationType(OverAppliedCalculationType.FIXED_SIZE.value)//
.overAppliedNumber(1000)//
.enableInstallmentLevelDelinquency(true)//
.interestRecognitionOnDisbursementDate(true)//
.maxTrancheCount(500)//
.chargeOffBehaviour("ZERO_INTEREST");//
PostLoanProductsResponse responseLoanProductsRequestLP2AdvPaymentIntEmiActualActualIntRefundFullZeroIntChargeOffAccrualActivity = createLoanProductIdempotent(
loanProductsRequestLP2AdvPaymentIntEmiActualActualIntRefundFullZeroIntChargeOffAccrualActivity);
TestContext.INSTANCE.set(
TestContextKey.DEFAULT_LOAN_PRODUCT_CREATE_RESPONSE_LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY,
responseLoanProductsRequestLP2AdvPaymentIntEmiActualActualIntRefundFullZeroIntChargeOff);
}
public static AdvancedPaymentData createPaymentAllocation(String transactionType, String futureInstallmentAllocationRule,
fineract-e2e-tests-runner/src/test/resources/features/LoanMerchantIssuedRefund.feature
+199
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@@ -695,3 +695,202 @@ Feature: MerchantIssuedRefund
| 01 February 2025 | Interest Refund | 1.46 | 1.46 | 0.0 | 0.0 | 0.0 | 23.34 | false | true |
#following steps will fail if Interest Refund is not recalculated properly
Then Loan has 23.97 outstanding amount
@TestRailId:C4542
Scenario: Verify adding manual Interest Refund on closed loan with multiple tranches
When Admin sets the business date to "07 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_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY | 07 March 2025 | 915.88 | 24.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "07 March 2025" with "915.88" amount and expected disbursement date on "07 March 2025"
When Admin sets the business date to "11 March 2025"
And Admin successfully disburse the loan on "11 March 2025" with "228.97" EUR transaction amount
And Admin successfully disburse the loan on "11 March 2025" with "228.97" EUR transaction amount
And Admin successfully disburse the loan on "11 March 2025" with "228.97" EUR transaction amount
And Admin successfully disburse the loan on "11 March 2025" with "228.97" EUR transaction amount
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 1: 04 April 2025 ==========
When Admin sets the business date to "04 April 2025"
#And Admin runs inline COB job for Loan
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "04 April 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 2: 02 May 2025 ==========
When Admin sets the business date to "02 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "02 May 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 3: 30 May 2025 ==========
When Admin sets the business date to "30 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "30 May 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 4: 27 June 2025 ==========
When Admin sets the business date to "27 June 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "27 June 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 5: 08 August 2025 ==========
When Admin sets the business date to "08 August 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "08 August 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 6: 05 September 2025 ==========
When Admin sets the business date to "05 September 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 September 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
| 05 September 2025 | Repayment | 48.91 | 34.38 | 14.53 | 0.0 | 0.0 | 723.42 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 7: 03 October 2025 ==========
When Admin sets the business date to "03 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "03 October 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
| 05 September 2025 | Repayment | 48.91 | 34.38 | 14.53 | 0.0 | 0.0 | 723.42 | false | false |
| 03 October 2025 | Repayment | 48.91 | 35.04 | 13.87 | 0.0 | 0.0 | 688.38 | false | false |
Then Loan status will be "ACTIVE"
# ========== 4 MERCHANT ISSUED REFUNDS: 08 October 2025 ==========
When Admin sets the business date to "08 October 2025"
When Admin sets the business date to "09 October 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 October 2025" with 228.97 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 October 2025" with 228.97 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 October 2025" with 228.97 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 October 2025" with 228.97 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 11 April 2025 | Accrual Activity | 15.05 | 0.0 | 15.05 | 0.0 | 0.0 | 0.0 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 11 May 2025 | Accrual Activity | 16.91 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 11 June 2025 | Accrual Activity | 16.3 | 0.0 | 16.3 | 0.0 | 0.0 | 0.0 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 11 July 2025 | Accrual Activity | 15.66 | 0.0 | 15.66 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
| 11 August 2025 | Accrual Activity | 22.55 | 0.0 | 22.55 | 0.0 | 0.0 | 0.0 | false | false |
| 05 September 2025 | Repayment | 48.91 | 34.38 | 14.53 | 0.0 | 0.0 | 723.42 | false | false |
| 11 September 2025 | Accrual Activity | 14.53 | 0.0 | 14.53 | 0.0 | 0.0 | 0.0 | false | false |
| 03 October 2025 | Repayment | 48.91 | 35.04 | 13.87 | 0.0 | 0.0 | 688.38 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 226.62 | 2.35 | 0.0 | 0.0 | 461.76 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 228.97 | 0.0 | 0.0 | 0.0 | 232.79 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 228.97 | 0.0 | 0.0 | 0.0 | 3.82 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 3.82 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 08 October 2025 | Accrual Activity | 16.22 | 0.0 | 16.22 | 0.0 | 0.0 | 0.0 | false | false |
| 09 October 2025 | Accrual | 117.22 | 0.0 | 117.22 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"
# ========== CREDIT BALANCE REFUND TO CLOSE LOAN: 09 October 2025 ==========
When Admin sets the business date to "09 October 2025"
And Admin runs inline COB job for Loan
And Admin makes Credit Balance Refund transaction on "09 October 2025" with 225.15 EUR transaction amount
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 11 April 2025 | Accrual Activity | 15.05 | 0.0 | 15.05 | 0.0 | 0.0 | 0.0 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 11 May 2025 | Accrual Activity | 16.91 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 11 June 2025 | Accrual Activity | 16.3 | 0.0 | 16.3 | 0.0 | 0.0 | 0.0 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 11 July 2025 | Accrual Activity | 15.66 | 0.0 | 15.66 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
| 11 August 2025 | Accrual Activity | 22.55 | 0.0 | 22.55 | 0.0 | 0.0 | 0.0 | false | false |
| 05 September 2025 | Repayment | 48.91 | 34.38 | 14.53 | 0.0 | 0.0 | 723.42 | false | false |
| 11 September 2025 | Accrual Activity | 14.53 | 0.0 | 14.53 | 0.0 | 0.0 | 0.0 | false | false |
| 03 October 2025 | Repayment | 48.91 | 35.04 | 13.87 | 0.0 | 0.0 | 688.38 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 226.62 | 2.35 | 0.0 | 0.0 | 461.76 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 228.97 | 0.0 | 0.0 | 0.0 | 232.79 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 228.97 | 0.0 | 0.0 | 0.0 | 3.82 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 3.82 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 08 October 2025 | Accrual Activity | 16.22 | 0.0 | 16.22 | 0.0 | 0.0 | 0.0 | false | false |
| 09 October 2025 | Accrual | 117.22 | 0.0 | 117.22 | 0.0 | 0.0 | 0.0 | false | false |
| 09 October 2025 | Credit Balance Refund | 225.15 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
# ========== MANUAL INTEREST REFUNDS ON CLOSED LOAN ==========
When Admin manually adds Interest Refund for "1"th "MERCHANT_ISSUED_REFUND" transaction made on "08 October 2025" with 0.01 EUR interest refund amount
When Admin manually adds Interest Refund for "2"th "MERCHANT_ISSUED_REFUND" transaction made on "08 October 2025" with 0.01 EUR interest refund amount
When Admin manually adds Interest Refund for "3"th "MERCHANT_ISSUED_REFUND" transaction made on "08 October 2025" with 0.01 EUR interest refund amount
When Admin manually adds Interest Refund for "4"th "MERCHANT_ISSUED_REFUND" transaction made on "08 October 2025" with 0.01 EUR interest refund amount
Then Loan status will be "OVERPAID"