5816 lines
653 KiB
Gherkin
5816 lines
653 KiB
Gherkin
@LoanChargeback
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Feature: LoanChargeback
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@TestRailId:C2441
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Scenario: As an admin I would like to check chargeback function is working properly on a closed loan in case of payment type: REPAYMENT_ADJUSTMENT_CHARGEBACK
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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When Admin creates a new default Loan with date: "1 January 2022"
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And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1000 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Admin sets the business date to "25 February 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan has 250 outstanding amount
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Then Loan status will be "ACTIVE"
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@TestRailId:C2442
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Scenario: As an admin I would like to check chargeback function is working properly on a closed loan in case of payment type: REPAYMENT_ADJUSTMENT_REFUND
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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When Admin creates a new default Loan with date: "1 January 2022"
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And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1000 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Admin sets the business date to "25 February 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 250 EUR transaction amount
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Then Loan has 250 outstanding amount
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Then Loan status will be "ACTIVE"
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@TestRailId:C2443
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Scenario: As an admin I would like to check chargeback function is working properly when chargeback comes after the loan was fully repaid and closed
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2022" with "750" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "750" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 250 EUR transaction amount
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When Admin sets the business date to "1 March 2022"
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And Customer makes "AUTOPAY" repayment on "1 March 2022" with 250 EUR transaction amount
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When Admin sets the business date to "1 April 2022"
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And Customer makes "AUTOPAY" repayment on "1 April 2022" with 250 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Admin sets the business date to "25 April 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan has 250 outstanding amount
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Then Loan status will be "ACTIVE"
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@TestRailId:C2444
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Scenario: As an admin I would like to check chargeback function is working properly when repayment happens again after chargeback
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2022" with "750" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "750" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 250 EUR transaction amount
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When Admin sets the business date to "1 March 2022"
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And Customer makes "AUTOPAY" repayment on "1 March 2022" with 250 EUR transaction amount
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When Admin sets the business date to "1 April 2022"
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And Customer makes "AUTOPAY" repayment on "1 April 2022" with 250 EUR transaction amount
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When Admin sets the business date to "25 April 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan has 250 outstanding amount
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Then Loan status will be "ACTIVE"
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And Customer makes "AUTOPAY" repayment on "25 April 2022" with 250 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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@TestRailId:C2445
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Scenario: As an admin I would like to check chargeback function is working properly when a second chargeback happens after the repayment
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2022" with "750" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "750" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 250 EUR transaction amount
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When Admin sets the business date to "1 March 2022"
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And Customer makes "AUTOPAY" repayment on "1 March 2022" with 250 EUR transaction amount
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When Admin sets the business date to "1 April 2022"
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And Customer makes "AUTOPAY" repayment on "1 April 2022" with 250 EUR transaction amount
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When Admin sets the business date to "25 April 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan has 250 outstanding amount
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Then Loan status will be "ACTIVE"
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And Customer makes "AUTOPAY" repayment on "25 April 2022" with 250 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Admin sets the business date to "1 May 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 200 EUR transaction amount
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Then Loan has 200 outstanding amount
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Then Loan status will be "ACTIVE"
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@TestRailId:C2446
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Scenario: As an admin I would like to check chargeback function is working properly when chargeback happens after NSF fee was added to the loan then was repaid
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2022" with "750" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "750" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 250 EUR transaction amount
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When Admin sets the business date to "1 March 2022"
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And Customer makes "AUTOPAY" repayment on "1 March 2022" with 250 EUR transaction amount
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When Admin sets the business date to "1 April 2022"
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And Customer makes "AUTOPAY" repayment on "1 April 2022" with 250 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Customer makes a repayment undo on "1 April 2022"
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Then Loan has 250 outstanding amount
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Then Loan status will be "ACTIVE"
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And Admin adds an NSF fee because of payment bounce with "1 April 2022" transaction date
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Then Loan has 260 outstanding amount
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Then Loan status will be "ACTIVE"
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When Admin sets the business date to "5 April 2022"
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And Customer makes "AUTOPAY" repayment on "5 April 2022" with 260 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Admin sets the business date to "25 April 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan has 250 outstanding amount
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Then Loan status will be "ACTIVE"
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@TestRailId:C2447
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Scenario: As an admin I would like to check that the loan goes to ACTIVE when the loan is OVERPAID but the chargeback amount is HIGHER than the overpaid amount
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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When Admin creates a new default Loan with date: "1 January 2022"
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And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1200 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "OVERPAID"
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When Admin sets the business date to "25 February 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan status will be "ACTIVE"
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Then Loan has 50 outstanding amount
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@TestRailId:C2448
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Scenario: As an admin I would like to check that the loan remains OVERPAID when the loan is OVERPAID but the chargeback amount is LOWER than the overpaid amount
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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When Admin creates a new default Loan with date: "1 January 2022"
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And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1300 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "OVERPAID"
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When Admin sets the business date to "25 February 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan status will be "OVERPAID"
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Then Loan has 0 outstanding amount
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@TestRailId:C2449
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Scenario: As an admin I would like to check that the loan goes to CLOSED when the loan is OVERPAID but the chargeback amount is EQUALS than the overpaid amount
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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When Admin creates a new default Loan with date: "1 January 2022"
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And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1250 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "OVERPAID"
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When Admin sets the business date to "25 February 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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Then Loan has 0 outstanding amount
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@TestRailId:C2458
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Scenario: As an admin I would like to check that delinquency and overdue treatment of chargeback works properly
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "3000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2022" with "3000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "3000" EUR transaction amount
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When Admin runs inline COB job for Loan
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When Admin sets the business date to "01 February 2022"
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And Customer makes "AUTOPAY" repayment on "01 February 2022" with 1000 EUR transaction amount
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When Admin runs inline COB job for Loan
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When Admin sets the business date to "01 March 2022"
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And Customer makes "AUTOPAY" repayment on "01 March 2022" with 1000 EUR transaction amount
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When Admin runs inline COB job for Loan
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When Admin sets the business date to "15 March 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 1000 EUR transaction amount
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When Admin runs inline COB job for Loan
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When Admin sets the business date to "07 April 2022"
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When Admin runs inline COB job for Loan
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Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2022-03-18"
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Then Loan has 2000 total overdue amount
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@TestRailId:C2459
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Scenario: As an admin I would like to check that delinquency and overdue treatment of chargeback works properly when all the chargeback transactions are fully paid
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "3000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2022" with "3000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "3000" EUR transaction amount
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When Admin sets the business date to "01 February 2022"
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And Customer makes "AUTOPAY" repayment on "01 February 2022" with 1000 EUR transaction amount
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When Admin sets the business date to "01 March 2022"
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And Customer makes "AUTOPAY" repayment on "01 March 2022" with 1000 EUR transaction amount
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When Admin sets the business date to "15 March 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 1000 EUR transaction amount
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When Admin sets the business date to "07 April 2022"
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And Admin runs the Loan Delinquency Classification job
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Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2022-03-18"
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And Customer makes "AUTOPAY" repayment on "20 March 2022" with 1000 EUR transaction amount
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Then Admin checks that delinquency range is: "RANGE_1" and has delinquentDate "2022-04-04"
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Then Loan has 1000 total overdue amount
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@TestRailId:C2460
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Scenario: As an admin I would like to check that delinquency and overdue treatment of chargeback works properly when all the instalments are fully paid
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "3000", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2022" with "3000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "3000" EUR transaction amount
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When Admin sets the business date to "01 February 2022"
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And Customer makes "AUTOPAY" repayment on "01 February 2022" with 1000 EUR transaction amount
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When Admin sets the business date to "01 March 2022"
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And Customer makes "AUTOPAY" repayment on "01 March 2022" with 1000 EUR transaction amount
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When Admin sets the business date to "15 March 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 1000 EUR transaction amount
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When Admin sets the business date to "07 April 2022"
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And Admin runs the Loan Delinquency Classification job
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Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2022-03-18"
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And Customer makes "AUTOPAY" repayment on "20 March 2022" with 1000 EUR transaction amount
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Then Admin checks that delinquency range is: "RANGE_1" and has delinquentDate "2022-04-04"
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Then Loan has 1000 total overdue amount
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And Customer makes "AUTOPAY" repayment on "01 April 2022" with 1000 EUR transaction amount
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Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate ""
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Then Loan has 0 total overdue amount
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@TestRailId:C2486
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Scenario: As an admin I would like to check that Goodwill credit, Payout refund, Merchant Issued refund works properly with chargeback for a fully paid loan
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When Admin sets the business date to "1 January 2022"
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When Admin creates a client with random data
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When Admin creates a new default Loan with date: "1 January 2022"
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And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022"
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When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount
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When Admin sets the business date to "1 February 2022"
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And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1000 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Admin sets the business date to "25 February 2022"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 1000 EUR transaction amount
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Then Loan has 1000 outstanding amount
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When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 January 2022" with 1000 EUR transaction amount
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Then Loan has 0 outstanding amount
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Then Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 January 2022" with 100 EUR transaction amount
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Then Loan status will be "OVERPAID"
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Then Loan has 0 outstanding amount
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Then Loan has 100 overpaid amount
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When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "18 January 2022" with 100 EUR transaction amount
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Then Loan status will be "OVERPAID"
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Then Loan has 0 outstanding amount
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Then Loan has 200 overpaid amount
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When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "19 January 2022" with 100 EUR transaction amount
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Then Loan status will be "OVERPAID"
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Then Loan has 0 outstanding amount
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Then Loan has 300 overpaid amount
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@TestRailId:C2543
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Scenario: When charge backs comes in after the loan is closed, before the maturity date
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When Admin sets the business date to "1 January 2023"
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When Admin creates a client with random data
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When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
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When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
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When Admin sets the business date to "1 February 2023"
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And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
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When Admin sets the business date to "1 March 2023"
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And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
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When Admin sets the business date to "30 March 2023"
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And Customer makes "AUTOPAY" repayment on "30 March 2023" with 250 EUR transaction amount
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And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
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Then Loan has 250 outstanding amount
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
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| 3 | 31 | 01 April 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 250.0 | 250.0 | 0.0 | 250.0 |
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Then Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000 | 0 | 0 | 0 | 1000 | 750 | 250 | 0 | 250 |
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Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | 750.0 | |
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| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
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Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 250.0 |
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| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
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Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 250.0 |
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| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
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Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | | 250.0 |
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| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
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Then Loan Transactions tab has a "CHARGEBACK" transaction with date "30 March 2023" which has the following Journal entries:
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| Type | Account code | Account name | Debit | Credit |
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| ASSET | 112601 | Loans Receivable | 250.0 | |
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| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
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@TestRailId:C2544
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Scenario: When repayment happens again on the charge backs
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When Admin sets the business date to "1 January 2023"
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When Admin creates a client with random data
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When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
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And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
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When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
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When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "30 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 March 2023" with 250 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding amount
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2023" with 250 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 01 April 2023 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 500.0 | 250.0 | 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 | Outstanding |
|
|
| 1000 | 0 | 0 | 0 | 1000 | 1000 | 250 | 0 | 0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
|
|
@TestRailId:C2545
|
|
Scenario: When repayment 1 is reversed
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "30 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 March 2023" with 250 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding amount
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2023" with 250 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Customer undo "1"th repayment on "1 February 2023"
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 30 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 250.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 0 | 0 | 0 | 1000 | 750 | 0 | 500 | 250 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
|
|
@TestRailId:C2546
|
|
Scenario: When 2 repayments are reversed (repayment 1 & 3)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "30 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 March 2023" with 250 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding amount
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2023" with 250 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Customer undo "1"th repayment on "1 February 2023"
|
|
When Customer undo "3"th repayment on "30 March 2023"
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 April 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 0 | 0 | 0 | 1000 | 500 | 0 | 500 | 500 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
|
|
@TestRailId:C2547
|
|
Scenario: When chargeback happens after the charge addition on maturity date for repayment 01-03-2022
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "30 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 March 2023" with 250 EUR transaction amount
|
|
When Customer undo "3"th repayment on "30 March 2023"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "30 March 2023" due date and 20 EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan has 270 outstanding amount
|
|
When Admin sets the business date to "31 March 2023"
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2023" with 270 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan has 250 outstanding amount
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | | 0.0 | 500.0 | 0.0 | 20.0 | 0.0 | 520.0 | 270.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 0 | 20 | 0 | 1020 | 770 | 0 | 0 | 250 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 20.0 | |
|
|
| INCOME | 404007 | Fee Income | | 20.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 20.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 270.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
|
|
@TestRailId:C2548
|
|
Scenario: When chargeback comes in after the loan overpayment-1
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "30 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 March 2023" with 500 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 30 March 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 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 | Outstanding |
|
|
| 750 | 0 | 0 | 0 | 750 | 750 | 250 | 0 | 0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
|
|
@TestRailId:C2549
|
|
Scenario: When chargeback comes in after the loan overpayment-2
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 150 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 350 EUR transaction amount
|
|
When Admin sets the business date to "30 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 March 2023" with 500 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 150 EUR transaction amount for Payment nr. 1
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 100.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 30 March 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 250.0 | 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 | Outstanding |
|
|
| 750 | 0 | 0 | 0 | 750 | 750 | 250 | 100 | 0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 150.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 150.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 350.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 350.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | 150.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 150.0 |
|
|
|
|
@TestRailId:C2550
|
|
Scenario: When chargeback comes in after the loan overpayment-3
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 150 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 350 EUR transaction amount
|
|
When Admin sets the business date to "30 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 March 2023" with 500 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 350 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 100.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | | 0.0 | 600.0 | 0.0 | 0.0 | 0.0 | 600.0 | 500.0 | 250.0 | 0.0 | 100.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1100 | 0 | 0 | 0 | 1100 | 1000 | 250 | 100 | 100 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 150.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 150.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 350.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 350.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 350.0 |
|
|
| LIABILITY | l1 | Overpayment account | 250.0 | |
|
|
|
|
@TestRailId:C2551
|
|
Scenario: When chargeback comes in after the loan overpayment-4 with reverse and replay
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 150 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 350 EUR transaction amount
|
|
When Admin sets the business date to "30 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 March 2023" with 500 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 350 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 100 outstanding amount
|
|
When Customer undo "1"th repayment on "01 February 2023"
|
|
Then Loan has 250 outstanding amount
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 30 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 150.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | | 0.0 | 600.0 | 0.0 | 0.0 | 0.0 | 600.0 | 350.0 | 250.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1100 | 0 | 0 | 0 | 1100 | 850 | 250 | 400 | 250 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 150.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 150.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 150.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 150.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 350.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 350.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "30 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 400.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 100.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 350.0 |
|
|
| LIABILITY | l1 | Overpayment account | 100.0 | |
|
|
|
|
@TestRailId:C2608
|
|
Scenario: When charge backs comes in after the loan is closed for the repayment 01-03-2022 (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 April 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 01 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 24 | 25 April 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 0 | 0 | 0 | 1000 | 750 | 0 | 0 | 250 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
|
|
@TestRailId:C2609
|
|
Scenario: When repayment happens again on the charge backs (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 April 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding amount
|
|
And Customer makes "AUTOPAY" repayment on "25 April 2023" with 250 EUR transaction amount
|
|
Then Loan has 0 outstanding 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 01 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 24 | 25 April 2023 | 25 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 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 | Outstanding |
|
|
| 1000 | 0 | 0 | 0 | 1000 | 1000 | 0 | 0 | 0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
|
|
@TestRailId:C2610
|
|
Scenario: When repayment 1 is reversed (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding amount
|
|
And Customer makes "AUTOPAY" repayment on "25 April 2023" with 250 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Customer undo "1"th repayment on "1 February 2023"
|
|
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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 April 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 25 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 4 | 24 | 25 April 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 0 | 0 | 0 | 1000 | 750 | 0 | 750 | 250 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
|
|
@TestRailId:C2611
|
|
Scenario: When 2 repayments are reversed (repayment 1 & 3) (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 April 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding amount
|
|
And Customer makes "AUTOPAY" repayment on "25 April 2023" with 250 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Customer undo "1"th repayment on "1 February 2023"
|
|
When Customer undo "3"th repayment on "1 April 2023"
|
|
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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 25 April 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 4 | 24 | 25 April 2023 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 0 | 0 | 0 | 1000 | 500 | 0 | 500 | 500 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
|
|
@TestRailId:C2623
|
|
Scenario: When second charge back happens for the repayment 01-04-2022 (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 April 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding amount
|
|
And Customer makes "AUTOPAY" repayment on "25 April 2023" with 250 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "1 May 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 200 EUR transaction amount for Payment nr. 3
|
|
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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 01 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2023 | | 0.0 | 450.0 | 0.0 | 0.0 | 0.0 | 450.0 | 250.0 | 0.0 | 0.0 | 200.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1200 | 0 | 0 | 0 | 1200 | 1000 | 0 | 0 | 200 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 May 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 200.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 200.0 |
|
|
|
|
@TestRailId:C2612
|
|
Scenario: When chargeback happens after the charge addition on maturity date for repayment 01-03-2022 (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
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 |
|
|
| LP1 | 01 January 2023 | 750 | 0 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | PENALTIES_FEES_INTEREST_PRINCIPAL_ORDER |
|
|
And Admin successfully approves the loan on "01 January 2023" with "750" amount and expected disbursement date on "01 January 2023"
|
|
When Admin successfully disburse the loan on "01 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2023" with 250 EUR transaction amount
|
|
When Customer undo "3"th repayment on "01 April 2023"
|
|
When Admin sets the business date to "05 April 2023"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "05 April 2023" due date and 20 EUR transaction amount
|
|
Then Loan has 270 outstanding amount
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "05 April 2023" with 270 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 250 outstanding 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 05 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 4 | 4 | 05 April 2023 | | 0.0 | 250.0 | 0.0 | 20.0 | 0.0 | 270.0 | 20.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000 | 0 | 20 | 0 | 1020 | 770 | 0 | 250 | 250 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "05 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 20.0 | |
|
|
| INCOME | 404007 | Fee Income | | 20.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "05 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 20.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 270.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "05 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
|
|
@TestRailId:C2613
|
|
Scenario: When chargeback comes in after the loan overpayment-1 (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 250 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 April 2023" with 500 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 February 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 01 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 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 | Outstanding |
|
|
| 750 | 0 | 0 | 0 | 750 | 750 | 0 | 0 | 0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
|
|
@TestRailId:C2614
|
|
Scenario: When chargeback comes in after the loan overpayment-2 (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 150 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 350 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 April 2023" with 500 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 150 EUR transaction amount for Payment nr. 1
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan Repayment schedule has 3 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 100.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 01 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 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 | Outstanding |
|
|
| 750 | 0 | 0 | 0 | 750 | 750 | 0 | 100 | 0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 150.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 150.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 350.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 350.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | 150.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 150.0 |
|
|
|
|
@TestRailId:C2615
|
|
Scenario: When chargeback comes in after the loan overpayment-3 (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 150 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 350 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 April 2023" with 500 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 350 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 100 outstanding 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 100.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 March 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 01 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 24 | 25 April 2023 | | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 250.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1100 | 0 | 0 | 0 | 1100 | 1000 | 0 | 100 | 100 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 150.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 150.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 350.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 350.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 350.0 |
|
|
| LIABILITY | l1 | Overpayment account | 250.0 | |
|
|
|
|
@TestRailId:C2616
|
|
Scenario: When chargeback comes in after the loan overpayment-4 with reverse and replay (after maturity)
|
|
When Admin sets the business date to "1 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin successfully creates a new customised Loan submitted on date: "1 January 2023", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3
|
|
And Admin successfully approves the loan on "1 January 2023" with "750" amount and expected disbursement date on "1 January 2023"
|
|
When Admin successfully disburse the loan on "1 January 2023" with "750" EUR transaction amount
|
|
When Admin sets the business date to "1 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 February 2023" with 150 EUR transaction amount
|
|
When Admin sets the business date to "1 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 March 2023" with 350 EUR transaction amount
|
|
When Admin sets the business date to "1 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "1 April 2023" with 500 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
When Admin sets the business date to "25 April 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 350 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 100 outstanding amount
|
|
When Customer undo "1"th repayment on "01 February 2023"
|
|
Then Loan has 250 outstanding 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 |
|
|
| | | 01 January 2023 | | 750.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2023 | 01 March 2023 | 500.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 250.0 | 0.0 |
|
|
| 2 | 28 | 01 March 2023 | 01 April 2023 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 150.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2023 | 01 April 2023 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 24 | 25 April 2023 | | 0.0 | 350.0 | 0.0 | 0.0 | 0.0 | 350.0 | 100.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1100 | 0 | 0 | 0 | 1100 | 850 | 0 | 400 | 250 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 750.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 750.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 150.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 150.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 150.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 150.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 350.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 350.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 400.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 100.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "25 April 2023" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 350.0 |
|
|
| LIABILITY | l1 | Overpayment account | 100.0 | |
|
|
|
|
@TestRailId:C2624
|
|
Scenario: As an admin I would like to verify principal portion for partial chargeback for OVERPAID loan
|
|
When Admin sets the business date to "01 January 2023"
|
|
When Admin creates a client with random data
|
|
When Admin creates a new default Loan with date: "01 January 2023"
|
|
And Admin successfully approves the loan on "01 January 2023" with "1000" amount and expected disbursement date on "01 January 2023"
|
|
When Admin successfully disburse the loan on "01 January 2023" with "1000" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2023" with 500 EUR transaction amount
|
|
Then Loan has 500 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
When Admin sets the business date to "01 March 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2023" with 300 EUR transaction amount
|
|
Then Loan has 200 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
When Admin sets the business date to "01 April 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2023" with 300 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "OVERPAID"
|
|
When Admin sets the business date to "04 April 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 EUR transaction amount for Payment nr. 2
|
|
Then Loan status will be "ACTIVE"
|
|
Then Loan has 200 outstanding amount
|
|
When Admin sets the business date to "07 April 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 EUR transaction amount for Payment nr. 1
|
|
Then Loan Transactions tab has a transaction with date: "07 April 2023", and with the following data:
|
|
| Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| Chargeback | 300.0 | 300.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
Then Loan status will be "ACTIVE"
|
|
Then Loan has 500 outstanding amount
|
|
|
|
@TestRailId:C2870 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation on a closed loan in case of payment type: REPAYMENT_ADJUSTMENT_CHARGEBACK
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 9 | 25 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C2871 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation on a closed loan in case of payment type: REPAYMENT_ADJUSTMENT_REFUND
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 100 EUR transaction amount
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 9 | 25 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C2872 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation when full repayment happens after chargeback, on the same business date
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
And Customer makes "AUTOPAY" repayment on "25 October 2023" with 100 EUR transaction amount
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 9 | 25 October 2023 | 25 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 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 | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 25 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C2873 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation when partial repayment happens after chargeback, on the same business date
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
And Customer makes "AUTOPAY" repayment on "25 October 2023" with 50 EUR transaction amount
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 9 | 25 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 0.0 | 0.0 | 50.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 450.0 | 0.0 | 0.0 | 50.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 25 October 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
|
|
@TestRailId:C2874 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation when full repayment happens after chargeback, on a future business date
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
When Admin sets the business date to "30 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 October 2023" with 100 EUR transaction amount
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 9 | 25 October 2023 | 30 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 500.0 | 0.0 | 100.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 30 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C2875 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation when partial repayment happens after chargeback, on a future business date
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
When Admin sets the business date to "30 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 October 2023" with 50 EUR transaction amount
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 9 | 25 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 0.0 | 50.0 | 50.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 450.0 | 0.0 | 50.0 | 50.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 30 October 2023 | Repayment | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
|
|
@TestRailId:C2876 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation when a second chargeback happens after the repayment
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
When Admin sets the business date to "30 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 November 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 16 | 01 November 2023 | | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 100.0 | 0.0 | 100.0 | 100.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 600.0 | 0 | 0.0 | 0 | 600.0 | 500.0 | 0.0 | 100.0 | 100.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 30 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 01 November 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C2877 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation -loan goes to ACTIVE when the it is OVERPAID but the chargeback amount is HIGHER than the overpaid amount
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 150 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "OVERPAID"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan has 50 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 9 | 25 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 50.0 | 0.0 | 0.0 | 50.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 450.0 | 0.0 | 0.0 | 50.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 150.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 50.0 | 0.0 | 0.0 | 0.0 | 50.0 |
|
|
|
|
@TestRailId:C2878 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation -loan remains OVERPAID when the it is OVERPAID but the chargeback amount is LOWER than the overpaid amount
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 150 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "OVERPAID"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 25 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "OVERPAID"
|
|
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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 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 | Outstanding |
|
|
| 400.0 | 0 | 0.0 | 0 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 150.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C2879 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation -loan goes to CLOSED when the loan is OVERPAID but the chargeback amount is EQUALS than the overpaid amount
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 150 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "OVERPAID"
|
|
When Admin sets the business date to "25 October 2023"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 50 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 16 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 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 | Outstanding |
|
|
| 400.0 | 0 | 0.0 | 0 | 400.0 | 400.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 16 October 2023 | Repayment | 150.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 25 October 2023 | Chargeback | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C2880 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - chargeback after the loan is closed, before the maturity date
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "10 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "10 October 2023" with 100 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 16 September 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 01 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | | 0.0 | 200.0 | 0.0 | 0.0 | 0.0 | 200.0 | 100.0 | 100.0 | 0.0 | 100.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 100.0 | 0.0 | 100.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 10 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 10 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C2881 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - repayment 1 is reversed
|
|
When Admin sets the business date to "01 September 2023"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 September 2023 | 400 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "400" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "400" EUR transaction amount
|
|
When Admin sets the business date to "16 September 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 September 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "01 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "01 October 2023" with 100 EUR transaction amount
|
|
When Admin sets the business date to "16 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "16 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "25 October 2023"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount for Payment nr. 2
|
|
Then Loan has 100 outstanding amount
|
|
When Admin sets the business date to "30 October 2023"
|
|
And Customer makes "AUTOPAY" repayment on "30 October 2023" with 100 EUR transaction amount
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Customer undo "1"th transaction made on "16 September 2023"
|
|
Then On Loan Transactions tab the "Repayment" Transaction with date "16 September 2023" is reverted
|
|
Then Loan has 100 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 September 2023 | | 400.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 September 2023 | 01 September 2023 | 300.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 September 2023 | 01 October 2023 | 200.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 | 0.0 |
|
|
| 3 | 15 | 01 October 2023 | 16 October 2023 | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 | 0.0 |
|
|
| 4 | 15 | 16 October 2023 | 30 October 2023 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 100.0 | 0.0 | 100.0 | 0.0 |
|
|
| 5 | 9 | 25 October 2023 | | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 500.0 | 0 | 0.0 | 0 | 500.0 | 400.0 | 0.0 | 300.0 | 100.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 September 2023 | Disbursement | 400.0 | 0.0 | 0.0 | 0.0 | 0.0 | 400.0 |
|
|
| 01 September 2023 | Down Payment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 300.0 |
|
|
| 16 September 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 01 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 16 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 25 October 2023 | Chargeback | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 200.0 |
|
|
| 30 October 2023 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
|
|
@TestRailId:C3034 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - overpayment handling
|
|
When Admin sets the business date to "01 September 2023"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL_INSTALLMENT_LEVEL_DELINQUENCY | 01 September 2023 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 September 2023" with "1000" amount and expected disbursement date on "01 September 2023"
|
|
When Admin successfully disburse the loan on "01 September 2023" with "1000" EUR transaction amount
|
|
Then Loan has 1000 outstanding amount
|
|
When Admin sets the business date to "05 September 2023"
|
|
When Customer makes "AUTOPAY" repayment on "05 September 2023" with 500 EUR transaction amount
|
|
Then Loan has 500 outstanding amount
|
|
When Admin sets the business date to "11 January 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 500 EUR transaction amount
|
|
Then Loan has 1000 outstanding amount
|
|
When Customer makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "06 September 2023" with 200 EUR transaction amount and system-generated Idempotency key
|
|
Then Loan has 800 outstanding amount
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 200 EUR transaction amount
|
|
Then Loan has 1000 outstanding amount
|
|
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "07 September 2023" with 300 EUR transaction amount and system-generated Idempotency key
|
|
Then Loan has 700 outstanding amount
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 300 EUR transaction amount
|
|
Then Loan has 1000 outstanding amount
|
|
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 September 2023" with 100 EUR transaction amount and system-generated Idempotency key
|
|
Then Loan has 900 outstanding amount
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount
|
|
Then Loan has 1000 outstanding amount
|
|
|
|
@TestRailId:C3038 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - chargeback on downpayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Downpayment nr. 1
|
|
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 |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1250.0 | 0 | 0.0 | 0 | 1250.0 | 250.0 | 0.0 | 0.0 | 1000.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
|
| 01 January 2024 | Chargeback | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
|
|
@TestRailId:C3039 @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - partial chargeback on downpayment
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 200 EUR transaction amount for Downpayment nr. 1
|
|
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 |
|
|
| | | 01 January 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | | 500.0 | 450.0 | 0.0 | 0.0 | 0.0 | 450.0 | 0.0 | 0.0 | 0.0 | 450.0 |
|
|
| 3 | 15 | 31 January 2024 | | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 4 | 15 | 15 February 2024 | | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1200.0 | 0 | 0.0 | 0 | 1200.0 | 250.0 | 0.0 | 0.0 | 950.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 |
|
|
| 01 January 2024 | Down Payment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 750.0 |
|
|
| 01 January 2024 | Chargeback | 200.0 | 200.0 | 0.0 | 0.0 | 0.0 | 950.0 |
|
|
|
|
@TestRailId:C3243 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC1
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "16 January 2024" due date and 20 EUR transaction amount
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "16 January 2024" due date and 50 EUR transaction amount
|
|
When Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
When Customer makes "AUTOPAY" repayment on "16 January 2024" with 320 EUR transaction amount
|
|
When Admin sets the business date to "17 January 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 10 EUR transaction amount
|
|
|
|
@TestRailId:C3079 @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - full chargeback on overpaid loan
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "10 January 2024"
|
|
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "10 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 125 overpaid 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 10 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 10 January 2024 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 10 January 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 500.0 | 375.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 10 January 2024 | Payout Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 500.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 500.0 |
|
|
Then Loan Transactions tab has a "DOWN_PAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 125.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 125.0 | |
|
|
Then Loan Transactions tab has a "PAYOUT_REFUND" transaction with date "10 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 375.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 125.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
# --- Chargeback transaction added on same day ---
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 10 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 10 January 2024 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 10 January 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 500.0 | 375.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 10 January 2024 | Payout Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 10 January 2024 | Chargeback | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 500.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 500.0 |
|
|
Then Loan Transactions tab has a "DOWN_PAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 125.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 125.0 | |
|
|
Then Loan Transactions tab has a "PAYOUT_REFUND" transaction with date "10 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 375.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 125.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "10 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | 125.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 125.0 |
|
|
|
|
@TestRailId:C3080 @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - partial chargeback on overpaid loan
|
|
When Admin sets the business date to "01 January 2024"
|
|
When Admin creates a client with random data
|
|
When Admin set "LP2_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION" loan product "DEFAULT" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
|
|
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_DOWNPAYMENT_AUTO_ADVANCED_PAYMENT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "10 January 2024"
|
|
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "10 January 2024" with 500 EUR transaction amount and system-generated Idempotency key
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 125 overpaid 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 10 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 10 January 2024 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 10 January 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 500.0 | 375.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 10 January 2024 | Payout Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 500.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 500.0 |
|
|
Then Loan Transactions tab has a "DOWN_PAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 125.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 125.0 | |
|
|
Then Loan Transactions tab has a "PAYOUT_REFUND" transaction with date "10 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 375.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 125.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
# --- Chargeback transaction added on same day ---
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 25 EUR transaction amount
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 100 overpaid 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 10 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 10 January 2024 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 10 January 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 500.0 | 375.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 01 January 2024 | Down Payment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 10 January 2024 | Payout Refund | 500.0 | 375.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 10 January 2024 | Chargeback | 25.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 500.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 500.0 |
|
|
Then Loan Transactions tab has a "DOWN_PAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 125.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 125.0 | |
|
|
Then Loan Transactions tab has a "PAYOUT_REFUND" transaction with date "10 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 375.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 125.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 500.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "10 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | 25.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 25.0 |
|
|
|
|
@TestRailId:C3081 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC1: partial, prior chargeback
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "04 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "20 January 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 125 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 31 January 2024 | 125.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 625.0 | 0.0 | 0.0 | 0.0 | 625.0 | 625.0 | 0.0 | 125.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 04 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 16 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 20 January 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 31 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
| 15 February 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3082 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC2: partial, prior chargeback with penalty
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "01 January 2024" due date and 3 EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "04 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 128 EUR transaction amount
|
|
When Admin sets the business date to "20 January 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 128 EUR transaction amount
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 253 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 125 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 3.0 | 128.0 | 128.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 31 January 2024 | 125.0 | 250.0 | 0.0 | 0.0 | 3.0 | 253.0 | 253.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 625.0 | 0.0 | 0.0 | 6.0 | 631.0 | 631.0 | 0.0 | 125.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 04 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 16 January 2024 | Repayment | 128.0 | 125.0 | 0.0 | 0.0 | 3.0 | 250.0 |
|
|
| 20 January 2024 | Chargeback | 128.0 | 125.0 | 0.0 | 0.0 | 3.0 | 375.0 |
|
|
| 31 January 2024 | Repayment | 253.0 | 250.0 | 0.0 | 0.0 | 3.0 | 125.0 |
|
|
| 15 February 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 15 February 2024 | Accrual | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 0.0 |
|
|
|
|
@TestRailId:C3083 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC3: partial, prior chargeback with penalty (2)
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "01 January 2024" due date and 3 EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "04 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 128 EUR transaction amount
|
|
When Admin sets the business date to "20 January 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 53 EUR transaction amount
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 175 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 128 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 3.0 | 128.0 | 128.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 15 February 2024 | 125.0 | 175.0 | 0.0 | 0.0 | 3.0 | 178.0 | 178.0 | 0.0 | 3.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 550.0 | 0.0 | 0.0 | 6.0 | 556.0 | 556.0 | 0.0 | 128.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 04 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 16 January 2024 | Repayment | 128.0 | 125.0 | 0.0 | 0.0 | 3.0 | 250.0 |
|
|
| 20 January 2024 | Chargeback | 53.0 | 50.0 | 0.0 | 0.0 | 3.0 | 300.0 |
|
|
| 31 January 2024 | Repayment | 175.0 | 172.0 | 0.0 | 0.0 | 3.0 | 128.0 |
|
|
| 15 February 2024 | Repayment | 128.0 | 128.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 15 February 2024 | Accrual | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 0.0 |
|
|
|
|
@TestRailId:C3084 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC4: partial, prior chargeback with penalty and fee
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "01 January 2024" due date and 3 EUR transaction amount
|
|
When Admin sets the business date to "02 January 2024"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 January 2024" due date and 4 EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "04 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "20 January 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 50 EUR transaction amount
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 182 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 31 January 2024 | 250.0 | 125.0 | 0.0 | 4.0 | 3.0 | 132.0 | 132.0 | 0.0 | 7.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 15 February 2024 | 125.0 | 168.0 | 0.0 | 4.0 | 3.0 | 175.0 | 175.0 | 0.0 | 57.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 543.0 | 0.0 | 8.0 | 6.0 | 557.0 | 557.0 | 0.0 | 189.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 04 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 16 January 2024 | Repayment | 125.0 | 118.0 | 0.0 | 4.0 | 3.0 | 257.0 |
|
|
| 20 January 2024 | Chargeback | 50.0 | 43.0 | 0.0 | 4.0 | 3.0 | 300.0 |
|
|
| 31 January 2024 | Repayment | 125.0 | 118.0 | 0.0 | 4.0 | 3.0 | 182.0 |
|
|
| 15 February 2024 | Repayment | 182.0 | 182.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 15 February 2024 | Accrual | 7.0 | 0.0 | 0.0 | 4.0 | 3.0 | 0.0 |
|
|
|
|
@TestRailId:C3085 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC5: full, prior chargeback
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "04 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "20 January 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount for Payment nr. 1
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount for Payment nr. 2
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 375 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 125 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 31 January 2024 | 125.0 | 375.0 | 0.0 | 0.0 | 0.0 | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 750.0 | 0.0 | 0.0 | 0.0 | 750.0 | 750.0 | 0.0 | 125.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 04 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 16 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 20 January 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 20 January 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 31 January 2024 | Repayment | 375.0 | 375.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
| 15 February 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3086 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC6: full, after chargeback
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "04 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "20 February 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount for Payment nr. 1
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount for Payment nr. 2
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount for Payment nr. 3
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount for Payment nr. 4
|
|
When Admin sets the business date to "28 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "28 February 2024" with 500 EUR transaction amount
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 31 January 2024 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 5 | 20 February 2024 | 28 February 2024 | 0.0 | 500.0 | 0.0 | 0.0 | 0.0 | 500.0 | 500.0 | 0.0 | 500.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 1000.0 | 0.0 | 0.0 | 0.0 | 1000.0 | 1000.0 | 0.0 | 625.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 04 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 16 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 31 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
| 15 February 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 20 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
| 20 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 20 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 20 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 28 February 2024 | Repayment | 500.0 | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3087 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC7: partial, after chargeback
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "04 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "20 February 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 125 EUR transaction amount for Payment nr. 2
|
|
When Admin sets the business date to "28 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "28 February 2024" with 125 EUR transaction amount
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 31 January 2024 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 5 | 20 February 2024 | 28 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 625.0 | 0.0 | 0.0 | 0.0 | 625.0 | 625.0 | 0.0 | 250.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 04 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 16 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 31 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
| 15 February 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 20 February 2024 | Chargeback | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
| 28 February 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3088 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation UC8: multiple, prior chargebacks on same payment
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 500 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 45 | DAYS | 15 | DAYS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "500" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "500" EUR transaction amount
|
|
When Admin sets the business date to "04 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "04 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "16 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "16 January 2024" with 125 EUR transaction amount
|
|
When Admin sets the business date to "20 January 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 75 EUR transaction amount for Payment nr. 1
|
|
When Admin sets the business date to "25 January 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 50 EUR transaction amount for Payment nr. 1
|
|
When Admin sets the business date to "31 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "31 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "15 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 February 2024" with 125 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 |
|
|
| | | 01 January 2024 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 04 January 2024 | 375.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 125.0 | 0.0 |
|
|
| 2 | 15 | 16 January 2024 | 16 January 2024 | 250.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 15 | 31 January 2024 | 31 January 2024 | 125.0 | 250.0 | 0.0 | 0.0 | 0.0 | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 15 | 15 February 2024 | 15 February 2024 | 0.0 | 125.0 | 0.0 | 0.0 | 0.0 | 125.0 | 125.0 | 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 | Outstanding |
|
|
| 625.0 | 0.0 | 0.0 | 0.0 | 625.0 | 625.0 | 0.0 | 125.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 |
|
|
| 04 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 16 January 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 250.0 |
|
|
| 20 January 2024 | Chargeback | 75.0 | 75.0 | 0.0 | 0.0 | 0.0 | 325.0 |
|
|
| 25 January 2024 | Chargeback | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 375.0 |
|
|
| 31 January 2024 | Repayment | 250.0 | 250.0 | 0.0 | 0.0 | 0.0 | 125.0 |
|
|
| 15 February 2024 | Repayment | 125.0 | 125.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
|
|
@TestRailId:C3094 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC1: chargeback on principal
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 250 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
|
|
@TestRailId:C3095 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC2: chargeback on principal and fees
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 March 2024" due date and 30 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 280 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 250 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 280 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 30.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 280.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 280.0 |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 30.0 | |
|
|
|
|
@TestRailId:C3096 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC3: chargeback on principal and penalties
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "01 March 2024" due date and 30 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 280 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 250 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 280 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 30.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 280.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 280.0 |
|
|
| ASSET | 112601 | Loans Receivable | 250.0 | |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 30.0 | |
|
|
|
|
@TestRailId:C3097 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC4: when overpayment amount is smaller than chargeback
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 400 EUR transaction amount
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 150 overpaid amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 150.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 400.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | 150.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
|
|
@TestRailId:C3098 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC5: with fees- when overpayment amount is bigger than chargeback
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 March 2024" due date and 30 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 400 EUR transaction amount
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 120 overpaid amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 220.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 30.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 280.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 120.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 400.0 | |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 30.0 | |
|
|
| INCOME | 404007 | Fee Income | | 30.0 |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
| LIABILITY | l1 | Overpayment account | 100.0 | |
|
|
|
|
@TestRailId:C3099 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC6: when overpayment amount is bigger than chargeback
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 400 EUR transaction amount
|
|
Then Loan status will be "OVERPAID"
|
|
Then Loan has 150 overpaid amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 100 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 150.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 400.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
| LIABILITY | l1 | Overpayment account | 100.0 | |
|
|
|
|
@TestRailId:C3100 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC7: chargeback on charge-off loan account with principal
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin does charge-off the loan on "15 March 2024"
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "15 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 250.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 250.0 | |
|
|
|
|
@TestRailId:C3101 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC8: chargeback on charge-off loan account with principal and Fees
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin adds "LOAN_SNOOZE_FEE" due date charge with "01 March 2024" due date and 30 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 280 EUR transaction amount
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin does charge-off the loan on "15 March 2024"
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 280 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 30.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 280.0 | |
|
|
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "15 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 280.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 250.0 | |
|
|
| INCOME | 404008 | Fee Charge Off | 30.0 | |
|
|
|
|
@TestRailId:C3102 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC9: chargeback on charge-off loan account with principal and Penalties
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 1000 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "1000" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "1000" EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 January 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 250 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "01 March 2024" due date and 30 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 280 EUR transaction amount
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin does charge-off the loan on "15 March 2024"
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 280 EUR transaction amount for Payment nr. 3
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 1000.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 1000.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 250.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 30.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 280.0 | |
|
|
Then Loan Transactions tab has a "CHARGE_OFF" transaction with date "15 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 250.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 250.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 280.0 |
|
|
| EXPENSE | 744007 | Credit Loss/Bad Debt | 250.0 | |
|
|
| INCOME | 404008 | Fee Charge Off | 30.0 | |
|
|
|
|
@TestRailId:C3111 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC10: chargeback on overpaid loan
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "05 January 2024" due date and 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 105 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 |
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "19 January 2024" with 10 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan has 10 overpaid amount
|
|
Then Loan status will be "OVERPAID"
|
|
When Admin sets the business date to "15 April 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 7 EUR transaction amount for Payment nr. 1
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
Then Loan Transactions tab has a "MERCHANT_ISSUED_REFUND" transaction with date "19 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 10.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 90.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 5.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 10.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 105.0 | |
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 5 | 14 | 15 April 2024 | 15 April 2024 | 0.0 | 2.0 | 0.0 | 0.0 | 5.0 | 7.0 | 7.0 | 0.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 15 April 2024 | Chargeback | 7.0 | 2.0 | 0.0 | 0.0 | 5.0 | 0.0 | 7.0 |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "15 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | 7.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 7.0 |
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan has 3 overpaid amount
|
|
Then Loan status will be "OVERPAID"
|
|
When Admin sets the business date to "16 April 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 7 EUR transaction amount for Payment nr. 1
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 5 | 15 | 16 April 2024 | | 0.0 | 9.0 | 0.0 | 0.0 | 5.0 | 14.0 | 10.0 | 0.0 | 0.0 | 4.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 15 April 2024 | Chargeback | 7.0 | 2.0 | 0.0 | 0.0 | 5.0 | 0.0 | 7.0 |
|
|
| 16 April 2024 | Chargeback | 7.0 | 7.0 | 0.0 | 0.0 | 0.0 | 4.0 | 3.0 |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "16 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | l1 | Overpayment account | 3.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 4.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 7.0 |
|
|
Then Loan has 4 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
|
|
@TestRailId:C3116 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC11: chargeback before maturity on payment with fee
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "05 January 2024" due date and 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 105 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 |
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
# ---Chargeback with amount < fee ---
|
|
When Admin sets the business date to "01 March 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 3 EUR transaction amount for Payment nr. 1
|
|
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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 3.0 | 28.0 | 25.0 | 25.0 | 0.0 | 3.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.0 | 0.0 | 8.0 | 108.0 | 105.0 | 50.0 | 25.0 | 3.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 01 March 2024 | Chargeback | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 100.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 5.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 105.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 3.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 3.0 | |
|
|
Then Loan has 3 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
# --- Chargeback with amount > fee ---
|
|
When Admin sets the business date to "05 March 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 10 EUR transaction amount for Payment nr. 1
|
|
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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 33.0 | 0.0 | 0.0 | 5.0 | 38.0 | 25.0 | 25.0 | 0.0 | 13.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 108.0 | 0.0 | 0.0 | 10.0 | 118.0 | 105.0 | 50.0 | 25.0 | 13.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 01 March 2024 | Chargeback | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 0.0 | 0.0 |
|
|
| 05 March 2024 | Chargeback | 10.0 | 8.0 | 0.0 | 0.0 | 2.0 | 8.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 100.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 5.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 105.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "01 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 3.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 3.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "05 March 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 10.0 |
|
|
| ASSET | 112601 | Loans Receivable | 8.0 | |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 2.0 | |
|
|
Then Loan has 13 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
|
|
@TestRailId:C3117 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC12: chargeback after maturity on payment with fee
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "05 January 2024" due date and 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 105 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 |
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
# ---Chargeback with amount < fee ---
|
|
When Admin sets the business date to "15 April 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 3 EUR transaction amount for Payment nr. 1
|
|
When Admin sets the business date to "16 April 2024"
|
|
When Admin runs inline COB job for Loan
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 5 | 14 | 15 April 2024 | | 0.0 | 0.0 | 0.0 | 0.0 | 3.0 | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100.0 | 0.0 | 0.0 | 8.0 | 108.0 | 105.0 | 50.0 | 25.0 | 3.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 15 April 2024 | Chargeback | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 100.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 5.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 105.0 | |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 5.0 | |
|
|
| INCOME | 404007 | Fee Income | | 5.0 |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "15 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 3.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 3.0 | |
|
|
Then Loan has 3 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
# --- Chargeback with amount > fee ---
|
|
When Admin sets the business date to "20 April 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 10 EUR transaction amount for Payment nr. 1
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 5 | 19 | 20 April 2024 | | 0.0 | 8.0 | 0.0 | 0.0 | 5.0 | 13.0 | 0.0 | 0.0 | 0.0 | 13.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 108.0 | 0.0 | 0.0 | 10.0 | 118.0 | 105.0 | 50.0 | 25.0 | 13.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 15 April 2024 | Chargeback | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 0.0 | 0.0 |
|
|
| 20 April 2024 | Chargeback | 10.0 | 8.0 | 0.0 | 0.0 | 2.0 | 8.0 | 0.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 100.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 5.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 105.0 | |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 5.0 | |
|
|
| INCOME | 404007 | Fee Income | | 5.0 |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "15 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 3.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 3.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "20 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 10.0 |
|
|
| ASSET | 112601 | Loans Receivable | 8.0 | |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 2.0 | |
|
|
Then Loan has 13 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
|
|
@TestRailId:C3118 @creditAllocation @AdvancedPaymentAllocationChargeback @AdvancedPaymentAllocation
|
|
Scenario: Verify chargeback function for advanced payment allocation - credit allocation accounting entries UC13: loan goes overpaid after maturity then chargeback applied on payment with fee
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "05 January 2024" due date and 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 105 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 100.0 | 0.0 | 0.0 | 5.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 |
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
# --- Loan goes overpaid after maturity ---
|
|
When Admin sets the business date to "10 April 2024"
|
|
When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "19 January 2024" with 10 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 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 | Outstanding |
|
|
| 100.0 | 0.0 | 0.0 | 5.0 | 105.0 | 105.0 | 50.0 | 25.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan has 10 overpaid amount
|
|
Then Loan status will be "OVERPAID"
|
|
# ---Chargeback with amount < overpaid amount and fee amount ---
|
|
When Admin sets the business date to "15 April 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 3 EUR transaction amount for Payment nr. 1
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 5 | 14 | 15 April 2024 | 15 April 2024 | 0.0 | 0.0 | 0.0 | 0.0 | 3.0 | 3.0 | 3.0 | 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 | Outstanding |
|
|
| 100.0 | 0.0 | 0.0 | 8.0 | 108.0 | 108.0 | 50.0 | 25.0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
|
|
| 15 April 2024 | Chargeback | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 0.0 | 3.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
Then Loan Transactions tab has a "MERCHANT_ISSUED_REFUND" transaction with date "19 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 10.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
|
|
Then Loan Transactions tab has a "ACCRUAL" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112603 | Interest/Fee Receivable | 5.0 | |
|
|
| INCOME | 404007 | Fee Income | | 5.0 |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 90.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 5.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 10.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 105.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "15 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 3.0 |
|
|
| LIABILITY | l1 | Overpayment account | 3.0 | |
|
|
Then Loan has 0 outstanding amount
|
|
Then Loan has 7 overpaid amount
|
|
Then Loan status will be "OVERPAID"
|
|
# --- Chargeback with amount > overpaid amount and fee amount ---
|
|
When Admin sets the business date to "20 April 2024"
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 10 EUR transaction amount for Payment nr. 1
|
|
Then Loan Repayment schedule has 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 01 February 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | 01 February 2024 | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 29 | 01 March 2024 | 01 February 2024 | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 4 | 31 | 01 April 2024 | 01 February 2024 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 25.0 | 0.0 | 0.0 |
|
|
| 5 | 19 | 20 April 2024 | | 0.0 | 8.0 | 0.0 | 0.0 | 5.0 | 13.0 | 10.0 | 0.0 | 0.0 | 3.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 108.0 | 0.0 | 0.0 | 10.0 | 118.0 | 115.0 | 50.0 | 25.0 | 3.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 19 January 2024 | Merchant Issued Refund | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 105.0 | 90.0 | 0.0 | 0.0 | 5.0 | 0.0 | 10.0 |
|
|
| 01 February 2024 | Accrual | 5.0 | 0.0 | 0.0 | 0.0 | 5.0 | 0.0 | 0.0 |
|
|
| 15 April 2024 | Chargeback | 3.0 | 0.0 | 0.0 | 0.0 | 3.0 | 0.0 | 3.0 |
|
|
| 20 April 2024 | Chargeback | 10.0 | 8.0 | 0.0 | 0.0 | 2.0 | 3.0 | 7.0 |
|
|
Then Loan Transactions tab has a "DISBURSEMENT" transaction with date "01 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | 100.0 | |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 100.0 |
|
|
Then Loan Transactions tab has a "MERCHANT_ISSUED_REFUND" transaction with date "19 January 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 10.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 10.0 | |
|
|
Then Loan Transactions tab has a "REPAYMENT" transaction with date "01 February 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| ASSET | 112601 | Loans Receivable | | 90.0 |
|
|
| ASSET | 112603 | Interest/Fee Receivable | | 5.0 |
|
|
| LIABILITY | l1 | Overpayment account | | 10.0 |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | 105.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "15 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 3.0 |
|
|
| LIABILITY | l1 | Overpayment account | 3.0 | |
|
|
Then Loan Transactions tab has a "CHARGEBACK" transaction with date "20 April 2024" which has the following Journal entries:
|
|
| Type | Account code | Account name | Debit | Credit |
|
|
| LIABILITY | 145023 | Suspense/Clearing account | | 10.0 |
|
|
| LIABILITY | l1 | Overpayment account | 7.0 | |
|
|
| ASSET | 112601 | Loans Receivable | 3.0 | |
|
|
Then Loan has 3 outstanding amount
|
|
Then Loan status will be "ACTIVE"
|
|
|
|
@TestRailId:C3138
|
|
Scenario: Verify chargeback function when reverse replay happens with Advanced payment allocation and set allocation rules for Chargeback transaction
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_DOWNPAYMENT_ADV_PMT_ALLOC_PROG_SCHEDULE_HOR_INST_LVL_DELINQUENCY_CREDIT_ALLOCATION | 01 January 2024 | 100 | 0 | FLAT | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
When Admin successfully disburse the loan on "01 January 2024" with "100" 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin adds "LOAN_NSF_FEE" due date charge with "05 January 2024" due date and 5 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 0.0 | 0.0 | 0.0 | 30.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 |
|
|
When Admin sets the business date to "05 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "05 January 2024" with 28 EUR transaction amount
|
|
When Admin sets the business date to "06 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "06 January 2024" with 10 EUR transaction amount
|
|
When Admin sets the business date to "07 January 2024"
|
|
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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 05 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 25.0 | 0.0 | 0.0 | 5.0 | 30.0 | 13.0 | 13.0 | 0.0 | 17.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 05 January 2024 | Repayment | 28.0 | 25.0 | 0.0 | 0.0 | 3.0 | 75.0 | false | false |
|
|
| 06 January 2024 | Repayment | 10.0 | 8.0 | 0.0 | 0.0 | 2.0 | 67.0 | false | false |
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 10 EUR transaction amount for Payment nr. 2
|
|
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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 05 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 33.0 | 0.0 | 0.0 | 7.0 | 40.0 | 13.0 | 13.0 | 0.0 | 27.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 05 January 2024 | Repayment | 28.0 | 25.0 | 0.0 | 0.0 | 3.0 | 75.0 | false | false |
|
|
| 06 January 2024 | Repayment | 10.0 | 8.0 | 0.0 | 0.0 | 2.0 | 67.0 | false | false |
|
|
| 07 January 2024 | Chargeback | 10.0 | 8.0 | 0.0 | 0.0 | 2.0 | 75.0 | false | false |
|
|
When Customer undo "1"th repayment on "05 January 2024"
|
|
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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 10.0 | 0.0 | 10.0 | 15.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 35.0 | 0.0 | 0.0 | 5.0 | 40.0 | 0.0 | 0.0 | 0.0 | 40.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 05 January 2024 | Repayment | 28.0 | 25.0 | 0.0 | 0.0 | 3.0 | 75.0 | true | false |
|
|
| 06 January 2024 | Repayment | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 90.0 | false | true |
|
|
| 07 January 2024 | Chargeback | 10.0 | 10.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | true |
|
|
And Customer makes "AUTOPAY" repayment on "03 January 2024" with 25 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 0 | 01 January 2024 | 03 January 2024 | 75.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 25.0 | 0.0 | 25.0 | 0.0 |
|
|
| 2 | 31 | 01 February 2024 | | 50.0 | 30.0 | 0.0 | 0.0 | 10.0 | 40.0 | 10.0 | 10.0 | 0.0 | 30.0 |
|
|
| 3 | 29 | 01 March 2024 | | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
| 4 | 31 | 01 April 2024 | | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 | 0.0 | 0.0 | 0.0 | 25.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 03 January 2024 | Repayment | 25.0 | 25.0 | 0.0 | 0.0 | 0.0 | 75.0 | false | false |
|
|
| 05 January 2024 | Repayment | 28.0 | 25.0 | 0.0 | 0.0 | 3.0 | 75.0 | true | false |
|
|
| 06 January 2024 | Repayment | 10.0 | 5.0 | 0.0 | 0.0 | 5.0 | 70.0 | false | true |
|
|
| 07 January 2024 | Chargeback | 10.0 | 5.0 | 0.0 | 0.0 | 5.0 | 75.0 | false | true |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 105.0 | 0.0 | 0.0 | 10.0 | 115.0 | 35.0 | 10.0 | 25.0 | 80.0 |
|
|
|
|
@TestRailId:C3406
|
|
Scenario: Verify full chargeback before maturity date - no chargeback rule - interest recalculation disabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
And Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 34.02 | 0.0 | 0.0 | 85.04 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 84.06 | false | false |
|
|
|
|
@TestRailId:C3407
|
|
Scenario: Verify partial chargeback before maturity date-1 - no chargeback rule - interest recalculation disabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 31.62 | 0.39 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.05 | 0.0 | 0.0 | 117.05 | 34.02 | 0.0 | 0.0 | 83.03 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
|
|
@TestRailId:C3408
|
|
Scenario: Verify two chargebacks before maturity - no chargeback rule - interest recalculation disabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 1
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 31.62 | 0.39 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.05 | 0.0 | 0.0 | 117.05 | 34.02 | 0.0 | 0.0 | 83.03 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | 0.0 |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | 0.0 |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | 0.0 |
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 48.63 | 0.39 | 0.0 | 0.0 | 49.02 | 0.0 | 0.0 | 0.0 | 49.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 132.01 | 2.05 | 0.0 | 0.0 | 134.06 | 34.02 | 0.0 | 0.0 | 100.04 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 99.06 | false | false |
|
|
|
|
@TestRailId:C3409
|
|
Scenario: Verify full chargeback before maturity date on different business date - no chargeback rule - interest recalculation disabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 34.02 | 0.0 | 0.0 | 85.04 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 15 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 84.06 | false | false |
|
|
|
|
@TestRailId:C3410
|
|
Scenario: Verify full chargeback after maturity date - no chargeback rule - interest recalculation disabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17.00 EUR transaction amount
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 102.05 | 0.0 | 0.0 | 17.01 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
|
|
|
|
@TestRailId:C3411
|
|
Scenario: Verify two chargebacks after maturity date - no chargeback rule - interest recalculation disabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17.00 EUR transaction amount
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 102.05 | 0.0 | 0.0 | 17.01 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17 EUR transaction amount for Payment nr. 6
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 134.01 | 2.05 | 0.0 | 0.0 | 136.06 | 102.05 | 0.0 | 0.0 | 34.01 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | 34.01 | false | false |
|
|
|
|
@TestRailId:C3417
|
|
Scenario: Full chargeback before the maturity date and interest recalculation DISABLED - Allocation priority: interest, fees, principal - UC1
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- full chargeback for 2nd repayment made on March, 1st --- #
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 33.14 | 0.88 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.52 | 2.54 | 0 | 0 | 119.06 | 34.02 | 0 | 0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 83.57 | false | false |
|
|
|
|
@TestRailId:C3418
|
|
Scenario: Partial chargeback before the maturity date and interest recalculation DISABLED - Allocation priority: interest, fees, principal - UC2
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- partial chargeback for 2nd repayment made on March, 1st --- #
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 31.13 | 0.88 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 114.51 | 2.54 | 0 | 0 | 117.05 | 34.02 | 0 | 0 | 83.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 14.51 | 0.49 | 0.0 | 0.0 | 81.56 | false | false |
|
|
|
|
@TestRailId:C3419
|
|
Scenario: Partial chargeback before the maturity date and interest recalculation DISABLED - Allocation priority: principal, interest, fees - UC3
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- partial chargeback for 2nd repayment made on March, 1st --- #
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 31.62 | 0.39 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.05 | 0 | 0 | 117.05 | 34.02 | 0 | 0 | 83.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
|
|
@TestRailId:C3420
|
|
Scenario: Two chargeback before the maturity date and interest recalculation DISABLED - Allocation priority: principal, interest, fees - UC4
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- partial chargeback for 1st repayment made on February, 1st --- #
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 1
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 31.62 | 0.39 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.05 | 0 | 0 | 117.05 | 34.02 | 0 | 0 | 83.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
# --- full chargeback for 2nd repayment made on March, 1st --- #
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 48.14 | 0.88 | 0.0 | 0.0 | 49.02 | 0.0 | 0.0 | 0.0 | 49.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 131.52 | 2.54 | 0 | 0 | 134.06 | 34.02 | 0 | 0 | 100.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 98.57 | false | false |
|
|
|
|
@TestRailId:C3421
|
|
Scenario: Full chargeback before the maturity date on different business date and interest recalculation DISABLED - Allocation priority: interest, fees, principal - UC5
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- full chargeback for 2nd repayment made on March, 1st --- #
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 33.14 | 0.88 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.52 | 2.54 | 0 | 0 | 119.06 | 34.02 | 0 | 0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 15 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 83.57 | false | false |
|
|
|
|
@TestRailId:C3422
|
|
Scenario: Full chargeback after the maturity date and interest recalculation DISABLED - Allocation priority: interest, fees, principal - UC6
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 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 | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 102.05 | 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 |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# --- full chargeback for 5th repayment made on June, 1st --- #
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.81 | 2.25 | 0 | 0 | 119.06 | 102.05 | 0 | 0 | 17.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.81 | false | false |
|
|
|
|
@TestRailId:C3423
|
|
Scenario: Two chargebacks after the maturity date and interest recalculation DISABLED - Allocation priority: interest, fees, principal - UC7
|
|
When Admin sets the business date to "1 January 2024"
|
|
And 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_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17 EUR transaction amount
|
|
# --- full chargeback for 5th repayment made on June, 1st --- #
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
# --- full chargeback for 6th repayment made on July, 1st --- #
|
|
When Admin sets the business date to "30 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17 EUR transaction amount for Payment nr. 6
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 29 | 30 July 2024 | | 0.0 | 33.71 | 0.3 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 133.71 | 2.35 | 0 | 0 | 136.06 | 102.05 | 0 | 0 | 34.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.81 | false | false |
|
|
| 30 July 2024 | Chargeback | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 33.71 | false | false |
|
|
|
|
@TestRailId:C3490
|
|
Scenario: Full chargeback with no interest recalculation, interest allocation first, before maturity date
|
|
When Admin sets the business date to "1 January 2024"
|
|
And 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_NO_INTEREST_RECALCULATION_CHARGEBACK_ALLOCATION_INTEREST_FIRST | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 33.14 | 0.88 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.52 | 2.54 | 0 | 0 | 119.06 | 34.02 | 0 | 0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 83.57 | false | false |
|
|
|
|
@TestRailId:C3491
|
|
Scenario: Partial chargeback with no interest recalculation, interest allocation first, before maturity date
|
|
When Admin sets the business date to "1 January 2024"
|
|
And 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_NO_INTEREST_RECALCULATION_CHARGEBACK_ALLOCATION_INTEREST_FIRST | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 31.13 | 0.88 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 114.51 | 2.54 | 0 | 0 | 117.05 | 34.02 | 0 | 0 | 83.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 14.51 | 0.49 | 0.0 | 0.0 | 81.56 | false | false |
|
|
|
|
@TestRailId:C3492
|
|
Scenario: Partial chargeback with disabled interest recalculation, allocation principal first, before maturity date
|
|
When Admin sets the business date to "1 January 2024"
|
|
And 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_NO_INTEREST_RECALCULATION_CHARGEBACK_ALLOCATION_PRINCIPAL_FIRST | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 31.62 | 0.39 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.05 | 0 | 0 | 117.05 | 34.02 | 0 | 0 | 83.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
|
|
@TestRailId:C3493
|
|
Scenario: Two chargebacks with disabled interest recalculation, allocation principal first
|
|
When Admin sets the business date to "1 January 2024"
|
|
And 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_NO_INTEREST_RECALCULATION_CHARGEBACK_ALLOCATION_PRINCIPAL_FIRST | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 1
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 31.62 | 0.39 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.05 | 0 | 0 | 117.05 | 34.02 | 0 | 0 | 83.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 48.14 | 0.88 | 0.0 | 0.0 | 49.02 | 0.0 | 0.0 | 0.0 | 49.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 131.52 | 2.54 | 0 | 0 | 134.06 | 34.02 | 0 | 0 | 100.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 98.57 | false | false |
|
|
|
|
@TestRailId:C3427
|
|
Scenario: Verify full chargeback before maturity date - no chargeback rule - interest recalculation enabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
And Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.53 | 33.53 | 0.49 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 117.01 | 2.15 | 0.0 | 0.0 | 119.16 | 34.02 | 0.0 | 0.0 | 85.14 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 84.06 | false | false |
|
|
|
|
@TestRailId:C3428
|
|
Scenario: Verify partial chargeback before maturity date-1 - no chargeback rule - interest recalculation enabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 31.53 | 0.48 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.14 | 0.0 | 0.0 | 117.14 | 34.02 | 0.0 | 0.0 | 83.12 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
|
|
@TestRailId:C3429
|
|
Scenario: Verify two chargebacks before maturity - no chargeback rule - interest recalculation enabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 1
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 31.53 | 0.48 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.14 | 0.0 | 0.0 | 117.14 | 34.02 | 0.0 | 0.0 | 83.12 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | 0.0 |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | 0.0 |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | 0.0 |
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.62 | 48.44 | 0.58 | 0.0 | 0.0 | 49.02 | 0.0 | 0.0 | 0.0 | 49.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.91 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.1 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.1 | 0.1 | 0.0 | 0.0 | 17.2 | 0.0 | 0.0 | 0.0 | 17.2 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 132.01 | 2.25 | 0.0 | 0.0 | 134.26 | 34.02 | 0.0 | 0.0 | 100.24 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 99.06 | false | false |
|
|
|
|
@TestRailId:C3430
|
|
Scenario: Verify full chargeback before maturity date on different business date - no chargeback rule - interest recalculation enabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.49 | 33.57 | 0.45 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.77 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.96 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.96 | 0.1 | 0.0 | 0.0 | 17.06 | 0.0 | 0.0 | 0.0 | 17.06 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 117.01 | 2.11 | 0.0 | 0.0 | 119.12 | 34.02 | 0.0 | 0.0 | 85.1 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 15 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 84.06 | false | false |
|
|
|
|
@TestRailId:C3431
|
|
Scenario: Verify full chargeback after maturity date - no chargeback rule - interest recalculation enabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17.00 EUR transaction amount
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 102.05 | 0.0 | 0.0 | 17.01 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
|
|
|
|
@TestRailId:C3432
|
|
Scenario: Verify two chargebacks after maturity date - no chargeback rule - interest recalculation enabled
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_INTEREST_DAILY_EMI_360_30_INTEREST_RECALCULATION_DAILY_TILL_PRECLOSE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17.00 EUR transaction amount
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 102.05 | 0.0 | 0.0 | 17.01 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17 EUR transaction amount for Payment nr. 6
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 |
|
|
And Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 134.01 | 2.05 | 0.0 | 0.0 | 136.06 | 102.05 | 0.0 | 0.0 | 34.01 |
|
|
And Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | 34.01 | false | false |
|
|
@TestRailId:C3443
|
|
Scenario: Verify that Accrual transactions are not created for the charged back interest - interest recalculation false + chargeback allocation rule is set
|
|
When Admin sets the business date to "01 January 2024"
|
|
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_NO_INTEREST_RECALCULATION_CHARGEBACK_ALLOCATION_INTEREST_FIRST | 01 January 2024 | 2000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
And Admin successfully approves the loan on "01 January 2024" with "2000" amount and expected disbursement date on "01 January 2024"
|
|
And Admin successfully disburse the loan on "01 January 2024" with "2000" EUR transaction amount
|
|
And Admin sets the business date to "15 January 2024"
|
|
And Customer makes "AUTOPAY" repayment on "15 January 2024" with 340.17 EUR transaction amount
|
|
And Admin runs inline COB job for Loan
|
|
And Admin sets the business date to "15 February 2024"
|
|
And Admin adds "LOAN_NSF_FEE" due date charge with "15 February 2024" due date and 5 EUR transaction amount
|
|
And Admin runs inline COB job for Loan
|
|
And Admin sets the business date to "01 March 2024"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 345.17 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 345.17 EUR transaction amount for Payment nr. 2
|
|
And Admin sets the business date to "01 April 2024"
|
|
And Admin runs inline COB job for Loan
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 685.34 EUR transaction amount
|
|
And Admin sets the business date to "01 May 2024"
|
|
And Admin runs inline COB job for Loan
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 2000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2000.0 | false | false |
|
|
| 14 January 2024 | Accrual | 4.89 | 0.0 | 4.89 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 January 2024 | Repayment | 340.17 | 328.5 | 11.67 | 0.0 | 0.0 | 1671.5 | false | false |
|
|
| 15 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 January 2024 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 January 2024 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 January 2024 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 January 2024 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 January 2024 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 January 2024 | Accrual | 0.37 | 0.0 | 0.37 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 January 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 February 2024 | Accrual | 0.38 | 0.0 | 0.38 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 February 2024 | Accrual | 5.34 | 0.0 | 0.34 | 0.0 | 5.0 | 0.0 | false | false |
|
|
| 16 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 February 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 February 2024 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 March 2024 | Repayment | 345.17 | 330.42 | 9.75 | 0.0 | 5.0 | 1341.08 | false | false |
|
|
| 01 March 2024 | Chargeback | 345.17 | 330.42 | 9.75 | 0.0 | 5.0 | 1671.5 | false | false |
|
|
| 01 March 2024 | Accrual | 0.34 | 0.0 | 0.34 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 March 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 March 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 March 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 March 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 March 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 March 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 March 2024 | Accrual | 0.26 | 0.0 | 0.26 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 31 March 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2024 | Repayment | 685.34 | 662.77 | 17.57 | 0.0 | 5.0 | 1008.73 | false | false |
|
|
| 01 April 2024 | Accrual | 0.25 | 0.0 | 0.25 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 02 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 16 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 17 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 18 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 19 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 20 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 21 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 22 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 23 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 24 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 25 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 26 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 27 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 28 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 29 April 2024 | Accrual | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 30 April 2024 | Accrual | 0.2 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | false | false |
|
|
|
|
|
|
@TestRailId:C3445
|
|
Scenario: Full chargeback before the maturity date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC1
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- full chargeback for 2nd repayment made on March, 1st --- #
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.53 | 33.04 | 0.98 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.52 | 2.64 | 0 | 0 | 119.16 | 34.02 | 0 | 0 | 85.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 83.57 | false | false |
|
|
|
|
@TestRailId:C3446
|
|
Scenario: Partial chargeback before the maturity date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC2
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- partial chargeback for 2nd repayment made on March, 1st --- #
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 31.04 | 0.97 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 114.51 | 2.63 | 0 | 0 | 117.14 | 34.02 | 0 | 0 | 83.12 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 14.51 | 0.49 | 0.0 | 0.0 | 81.56 | false | false |
|
|
|
|
@TestRailId:C3447
|
|
Scenario: Partial chargeback before the maturity date with interest recalculation ENABLED - Allocation priority: principal, interest, fees - UC3
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- partial chargeback for 2nd repayment made on March, 1st --- #
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 31.53 | 0.48 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.14 | 0 | 0 | 117.14 | 34.02 | 0 | 0 | 83.12 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
|
|
@TestRailId:C3448
|
|
Scenario: Two chargeback before the maturity date with interest recalculation ENABLED - Allocation priority: principal, interest, fees - UC4
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- partial chargeback for 1st repayment made on February, 1st --- #
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 1
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 31.53 | 0.48 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 115.0 | 2.14 | 0 | 0 | 117.14 | 34.02 | 0 | 0 | 83.12 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
# --- full chargeback for 2nd repayment made on March, 1st --- #
|
|
When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.61 | 47.96 | 1.06 | 0.0 | 0.0 | 49.02 | 0.0 | 0.0 | 0.0 | 49.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.9 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 17.09 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.09 | 0.1 | 0.0 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 131.52 | 2.73 | 0 | 0 | 134.25 | 34.02 | 0 | 0 | 100.23 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
|
|
| 01 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 98.57 | false | false |
|
|
|
|
@TestRailId:C3449
|
|
Scenario: Full chargeback before the maturity date on different business date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC5
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "1 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- full chargeback for 2nd repayment made on March, 1st --- #
|
|
When Admin sets the business date to "15 March 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | | 50.48 | 33.09 | 0.93 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 4 | 30 | 01 May 2024 | | 33.76 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.95 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.52 | 2.59 | 0 | 0 | 119.11 | 34.02 | 0 | 0 | 85.09 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 15 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 83.57 | false | false |
|
|
|
|
@TestRailId:C3450
|
|
Scenario: Full chargeback after the maturity date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC6
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 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 | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 102.05 | 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 |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
# --- full chargeback for 5th repayment made on June, 1st --- #
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 14 | 15 July 2024 | | 0.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.81 | 2.25 | 0 | 0 | 119.06 | 102.05 | 0 | 0 | 17.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.81 | false | false |
|
|
|
|
@TestRailId:C3451
|
|
Scenario: Two chargebacks after the maturity date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC7
|
|
When Admin sets the business date to "1 January 2024"
|
|
And 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17 EUR transaction amount
|
|
# --- full chargeback for 5th repayment made on June, 1st --- #
|
|
When Admin sets the business date to "15 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
# --- full chargeback for 6th repayment made on July, 1st --- #
|
|
When Admin sets the business date to "30 July 2024"
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17 EUR transaction amount for Payment nr. 6
|
|
Then Loan Repayment schedule has 7 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 |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 29 | 30 July 2024 | | 0.0 | 33.71 | 0.3 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 133.71 | 2.35 | 0 | 0 | 136.06 | 102.05 | 0 | 0 | 34.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 15 July 2024 | Chargeback | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.81 | false | false |
|
|
| 30 July 2024 | Chargeback | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 33.71 | false | false |
|
|
|
|
@TestRailId:C3452
|
|
Scenario: Chargeback on the last installment due date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC8
|
|
When Admin sets the business date to "1 January 2024"
|
|
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_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 May 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 June 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 July 2024"
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 85.05 | 0 | 0 | 17.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
# --- full chargeback for 5th repayment made on June, 1st --- #
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 33.71 | 0.3 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.81 | 2.25 | 0 | 0 | 119.06 | 85.05 | 0 | 0 | 34.01 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
|
|
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
|
|
| 01 July 2024 | Chargeback | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 33.71 | false | false |
|
|
|
|
@TestRailId:C3453
|
|
Scenario: Prepay loan after few installments repay and chargeback with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC9
|
|
When Admin sets the business date to "1 January 2024"
|
|
And 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_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin sets the business date to "01 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 March 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
|
|
When Admin sets the business date to "01 April 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 3
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | | 33.81 | 33.24 | 0.78 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.62 | 2.54 | 0 | 0 | 119.16 | 51.03 | 0 | 0 | 68.13 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
# | 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2024 | Chargeback | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 67.05 | false | false |
|
|
# --- PayOff loan with prepay amount to close a loan --- #
|
|
When Loan Pay-off is made on "01 April 2024"
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 4 | 30 | 01 May 2024 | 01 April 2024 | 33.42 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 34.02 | 34.02 | 0.0 | 0.0 |
|
|
| 5 | 31 | 01 June 2024 | 01 April 2024 | 16.41 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
|
|
| 6 | 30 | 01 July 2024 | 01 April 2024 | 0.0 | 16.41 | 0.0 | 0.0 | 0.0 | 16.41 | 16.41 | 16.41 | 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 |
|
|
| 116.62 | 1.85 | 0 | 0 | 118.47 | 118.47 | 67.44 | 0 | 0.0 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
|
|
| 01 April 2024 | Chargeback | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 67.05 | false | false |
|
|
| 01 April 2024 | Repayment | 67.44 | 67.05 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false |
|
|
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
|
|
Then Loan closedon_date is "01 April 2024"
|
|
|
|
@TestRailId:C3454
|
|
Scenario: Full chargeback before the maturity date with run COB and interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC10
|
|
When Admin sets the business date to "2 January 2024"
|
|
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_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 |
|
|
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 |
|
|
And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024"
|
|
And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount
|
|
When Admin runs inline COB job for Loan
|
|
When Admin sets the business date to "1 February 2024"
|
|
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 100 | 2.05 | 0 | 0 | 102.05 | 17.01 | 0 | 0 | 85.04 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
# --- full chargeback for the repayment made on February, 1st --- #
|
|
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 1
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.43 | 2.72 | 0 | 0 | 119.15 | 17.01 | 0 | 0 | 102.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
|
|
| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
|
|
When Admin sets the business date to "2 February 2024"
|
|
When Admin runs inline COB job for Loan
|
|
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 | Outstanding |
|
|
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
|
|
| 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
|
|
| 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
|
|
| 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 |
|
|
Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 116.43 | 2.72 | 0 | 0 | 119.15 | 17.01 | 0 | 0 | 102.14 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
|
|
| 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
|
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| 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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|
| 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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|
| 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
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|
| 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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|
| 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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|
| 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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|
| 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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|
| 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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| 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
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| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
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| 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false |
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| 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
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@TestRailId:C4015
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Scenario: Verify early repayment with MIR and chargeback afterwards for 24m progressive loan
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When Admin sets the business date to "11 April 2025"
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When Admin creates a client with random data
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When Admin creates a fully customized loan with the following data:
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| 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 |
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| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL_ZERO_CHARGE_OFF | 11 April 2025 | 209.72 | 12.25 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "11 April 2025" with "209.72" amount and expected disbursement date on "11 April 2025"
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Then Loan Repayment schedule has 24 periods, with the following data for periods:
|
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| | | 11 April 2025 | | 209.72 | | | 0.0 | | 0.0 | | | | 0.0 |
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| 1 | 30 | 11 May 2025 | | 201.96 | 7.76 | 2.14 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 2 | 31 | 11 June 2025 | | 194.12 | 7.84 | 2.06 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 3 | 30 | 11 July 2025 | | 186.2 | 7.92 | 1.98 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 4 | 31 | 11 August 2025 | | 178.2 | 8.0 | 1.9 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 5 | 31 | 11 September 2025 | | 170.12 | 8.08 | 1.82 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 6 | 30 | 11 October 2025 | | 161.96 | 8.16 | 1.74 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 7 | 31 | 11 November 2025 | | 153.71 | 8.25 | 1.65 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 8 | 30 | 11 December 2025 | | 145.38 | 8.33 | 1.57 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 9 | 31 | 11 January 2026 | | 136.96 | 8.42 | 1.48 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 10 | 31 | 11 February 2026 | | 128.46 | 8.5 | 1.4 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 11 | 28 | 11 March 2026 | | 119.87 | 8.59 | 1.31 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 12 | 31 | 11 April 2026 | | 111.19 | 8.68 | 1.22 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 13 | 30 | 11 May 2026 | | 102.43 | 8.76 | 1.14 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 14 | 31 | 11 June 2026 | | 93.58 | 8.85 | 1.05 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 15 | 30 | 11 July 2026 | | 84.64 | 8.94 | 0.96 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 16 | 31 | 11 August 2026 | | 75.6 | 9.04 | 0.86 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 17 | 31 | 11 September 2026 | | 66.47 | 9.13 | 0.77 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 18 | 30 | 11 October 2026 | | 57.25 | 9.22 | 0.68 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 19 | 31 | 11 November 2026 | | 47.93 | 9.32 | 0.58 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 20 | 30 | 11 December 2026 | | 38.52 | 9.41 | 0.49 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 21 | 31 | 11 January 2027 | | 29.01 | 9.51 | 0.39 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 22 | 31 | 11 February 2027 | | 19.41 | 9.6 | 0.3 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 23 | 28 | 11 March 2027 | | 9.71 | 9.7 | 0.2 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 |
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| 24 | 31 | 11 April 2027 | | 0.0 | 9.71 | 0.1 | 0.0 | 0.0 | 9.81 | 0.0 | 0.0 | 0.0 | 9.81 |
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Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 209.72 | 27.79 | 0.0 | 0.0 | 237.51 | 0.0 | 0.0 | 0.0 | 237.51 |
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When Admin successfully disburse the loan on "11 April 2025" with "209.72" EUR transaction amount
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When Admin sets the business date to "11 May 2025"
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And Customer makes "AUTOPAY" repayment on "11 May 2025" with 9.9 EUR transaction amount
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When Admin sets the business date to "11 June 2025"
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And Customer makes "AUTOPAY" repayment on "11 June 2025" with 9.9 EUR transaction amount
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When Admin sets the business date to "11 July 2025"
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And Customer makes "AUTOPAY" repayment on "11 July 2025" with 9.9 EUR transaction amount
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When Admin sets the business date to "11 August 2025"
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When Admin runs inline COB job for Loan
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And Customer makes "AUTOPAY" repayment on "11 August 2025" with 9.9 EUR transaction amount
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When Admin sets the business date to "13 August 2025"
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When Admin runs inline COB job for Loan
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And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 August 2025" with 188.8 EUR transaction amount and system-generated Idempotency key
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When Admin sets the business date to "15 August 2025"
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When Admin runs inline COB job for Loan
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Then Loan Repayment schedule has 24 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 |
|
|
| | | 11 April 2025 | | 209.72 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 11 May 2025 | 11 May 2025 | 201.96 | 7.76 | 2.14 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 |
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| 2 | 31 | 11 June 2025 | 11 June 2025 | 194.12 | 7.84 | 2.06 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 |
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| 3 | 30 | 11 July 2025 | 11 July 2025 | 186.2 | 7.92 | 1.98 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 |
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| 4 | 31 | 11 August 2025 | 11 August 2025 | 178.2 | 8.0 | 1.9 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 |
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| 5 | 31 | 11 September 2025 | 13 August 2025 | 178.2 | 0.0 | 0.12 | 0.0 | 0.0 | 0.12 | 0.12 | 0.12 | 0.0 | 0.0 |
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| 6 | 30 | 11 October 2025 | 13 August 2025 | 178.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
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| 7 | 31 | 11 November 2025 | 13 August 2025 | 168.3 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 8 | 30 | 11 December 2025 | 13 August 2025 | 158.4 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 9 | 31 | 11 January 2026 | 13 August 2025 | 148.5 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 10 | 31 | 11 February 2026 | 13 August 2025 | 138.6 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 11 | 28 | 11 March 2026 | 13 August 2025 | 128.7 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 12 | 31 | 11 April 2026 | 13 August 2025 | 118.8 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 13 | 30 | 11 May 2026 | 13 August 2025 | 108.9 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 14 | 31 | 11 June 2026 | 13 August 2025 | 99.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 15 | 30 | 11 July 2026 | 13 August 2025 | 89.1 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 16 | 31 | 11 August 2026 | 13 August 2025 | 79.2 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 17 | 31 | 11 September 2026 | 13 August 2025 | 69.3 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 18 | 30 | 11 October 2026 | 13 August 2025 | 59.4 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 19 | 31 | 11 November 2026 | 13 August 2025 | 49.5 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 20 | 30 | 11 December 2026 | 13 August 2025 | 39.6 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 21 | 31 | 11 January 2027 | 13 August 2025 | 29.7 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 22 | 31 | 11 February 2027 | 13 August 2025 | 19.8 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 23 | 28 | 11 March 2027 | 13 August 2025 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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| 24 | 31 | 11 April 2027 | 13 August 2025 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
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Then Loan Repayment schedule has the following data in Total row:
|
|
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
|
|
| 209.72 | 8.2 | 0.0 | 0.0 | 217.92 | 217.92 | 178.32 | 0.0 | 0.0 |
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Then Loan Transactions tab has the following data:
|
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 11 April 2025 | Disbursement | 209.72 | 0.0 | 0.0 | 0.0 | 0.0 | 209.72 | false | false |
|
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| 11 May 2025 | Repayment | 9.9 | 7.76 | 2.14 | 0.0 | 0.0 | 201.96 | false | false |
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| 11 May 2025 | Accrual Activity | 2.14 | 0.0 | 2.14 | 0.0 | 0.0 | 0.0 | false | false |
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| 11 June 2025 | Repayment | 9.9 | 7.84 | 2.06 | 0.0 | 0.0 | 194.12 | false | false |
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| 11 June 2025 | Accrual Activity | 2.06 | 0.0 | 2.06 | 0.0 | 0.0 | 0.0 | false | false |
|
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| 11 July 2025 | Repayment | 9.9 | 7.92 | 1.98 | 0.0 | 0.0 | 186.2 | false | false |
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| 11 July 2025 | Accrual Activity | 1.98 | 0.0 | 1.98 | 0.0 | 0.0 | 0.0 | false | false |
|
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| 10 August 2025 | Accrual | 8.02 | 0.0 | 8.02 | 0.0 | 0.0 | 0.0 | false | false |
|
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| 11 August 2025 | Repayment | 9.9 | 8.0 | 1.9 | 0.0 | 0.0 | 178.2 | false | false |
|
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| 11 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
|
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| 11 August 2025 | Accrual Activity | 1.9 | 0.0 | 1.9 | 0.0 | 0.0 | 0.0 | false | false |
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| 12 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
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| 13 August 2025 | Merchant Issued Refund | 188.8 | 178.2 | 0.12 | 0.0 | 0.0 | 0.0 | false | false |
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| 13 August 2025 | Interest Refund | 7.87 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
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| 13 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
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| 13 August 2025 | Accrual Activity | 0.12 | 0.0 | 0.12 | 0.0 | 0.0 | 0.0 | false | false |
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# --- make this reversal of repayment --- #
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When Customer undo "1"th "Repayment" transaction made on "11 August 2025"
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When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for MIR nr. 1
|
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When Admin sets the business date to "16 August 2025"
|
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When Admin runs inline COB job for Loan
|
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Then Loan Repayment schedule has 24 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 |
|
|
| | | 11 April 2025 | | 209.72 | | | 0.0 | | 0.0 | 0.0 | | | |
|
|
| 1 | 30 | 11 May 2025 | 11 May 2025 | 201.96 | 7.76 | 2.14 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 |
|
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| 2 | 31 | 11 June 2025 | 11 June 2025 | 194.12 | 7.84 | 2.06 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 |
|
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| 3 | 30 | 11 July 2025 | 11 July 2025 | 186.2 | 7.92 | 1.98 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 |
|
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| 4 | 31 | 11 August 2025 | 13 August 2025 | 178.2 | 8.0 | 1.9 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 9.9 | 0.0 |
|
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| 5 | 31 | 11 September 2025 | | 178.2 | 15.0 | 0.18 | 0.0 | 0.0 | 15.18 | 8.57 | 8.57 | 0.0 | 6.61 |
|
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| 6 | 30 | 11 October 2025 | 13 August 2025 | 178.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
|
|
| 7 | 31 | 11 November 2025 | 13 August 2025 | 168.3 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 8 | 30 | 11 December 2025 | 13 August 2025 | 158.4 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 9 | 31 | 11 January 2026 | 13 August 2025 | 148.5 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 10 | 31 | 11 February 2026 | 13 August 2025 | 138.6 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 11 | 28 | 11 March 2026 | 13 August 2025 | 128.7 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 12 | 31 | 11 April 2026 | 13 August 2025 | 118.8 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 13 | 30 | 11 May 2026 | 13 August 2025 | 108.9 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 14 | 31 | 11 June 2026 | 13 August 2025 | 99.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
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| 15 | 30 | 11 July 2026 | 13 August 2025 | 89.1 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
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| 16 | 31 | 11 August 2026 | 13 August 2025 | 79.2 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
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| 17 | 31 | 11 September 2026 | 13 August 2025 | 69.3 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 18 | 30 | 11 October 2026 | 13 August 2025 | 59.4 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 19 | 31 | 11 November 2026 | 13 August 2025 | 49.5 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
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| 20 | 30 | 11 December 2026 | 13 August 2025 | 39.6 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 21 | 31 | 11 January 2027 | 13 August 2025 | 29.7 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 22 | 31 | 11 February 2027 | 13 August 2025 | 19.8 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 23 | 28 | 11 March 2027 | 13 August 2025 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 |
|
|
| 24 | 31 | 11 April 2027 | 13 August 2025 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 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 |
|
|
| 224.72 | 8.26 | 0.0 | 0.0 | 232.98 | 226.37 | 186.77 | 9.9 | 6.61 |
|
|
Then Loan Transactions tab has the following data:
|
|
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
|
|
| 11 April 2025 | Disbursement | 209.72 | 0.0 | 0.0 | 0.0 | 0.0 | 209.72 | false | false |
|
|
| 11 May 2025 | Repayment | 9.9 | 7.76 | 2.14 | 0.0 | 0.0 | 201.96 | false | false |
|
|
| 11 May 2025 | Accrual Activity | 2.14 | 0.0 | 2.14 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 June 2025 | Repayment | 9.9 | 7.84 | 2.06 | 0.0 | 0.0 | 194.12 | false | false |
|
|
| 11 June 2025 | Accrual Activity | 2.06 | 0.0 | 2.06 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 July 2025 | Repayment | 9.9 | 7.92 | 1.98 | 0.0 | 0.0 | 186.2 | false | false |
|
|
| 11 July 2025 | Accrual Activity | 1.98 | 0.0 | 1.98 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 10 August 2025 | Accrual | 8.02 | 0.0 | 8.02 | 0.0 | 0.0 | 0.0 | false | false |
|
|
| 11 August 2025 | Repayment | 9.9 | 8.0 | 1.9 | 0.0 | 0.0 | 178.2 | true | false |
|
|
| 11 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
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| 11 August 2025 | Accrual Activity | 1.9 | 0.0 | 1.9 | 0.0 | 0.0 | 0.0 | false | false |
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| 12 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
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| 13 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
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| 13 August 2025 | Merchant Issued Refund | 188.8 | 186.2 | 2.02 | 0.0 | 0.0 | 0.0 | false | true |
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| 13 August 2025 | Interest Refund | 7.87 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
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| 15 August 2025 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 6.55 | false | false |
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