70 lines
8.5 KiB
Gherkin
70 lines
8.5 KiB
Gherkin
Feature: MerchantIssuedRefund
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@TestRailId:C3731
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Scenario: Merchant Issued Refund reverse replayed with penalty charge and interest recalculation
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When Admin sets the business date to "22 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 | 22 April 2025 | 187.99 | 11.3 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
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And Admin successfully approves the loan on "22 April 2025" with "187.99" amount and expected disbursement date on "22 April 2025"
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When Admin successfully disburse the loan on "22 April 2025" with "187.99" EUR transaction amount
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When Admin sets the business date to "29 April 2025"
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When Customer makes "REPAYMENT" transaction with "REAL_TIME" payment type on "29 April 2025" with 12 EUR transaction amount and system-generated Idempotency key
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When Admin sets the business date to "22 May 2025"
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When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "22 May 2025" with 63.85 EUR transaction amount and system-generated Idempotency key
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When Admin sets the business date to "28 May 2025"
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When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "28 May 2025" with 187.99 EUR transaction amount and system-generated Idempotency key
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When Customer undo "2"th repayment on "28 May 2025"
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When Admin adds "LOAN_NSF_FEE" due date charge with "28 May 2025" due date and 2.80 EUR transaction amount
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Then Loan status will be "OVERPAID"
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And Loan has 9.2 overpaid amount
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 22 April 2025 | Disbursement | 187.99 | 0.0 | 0.0 | 0.0 | 0.0 | 187.99 | false | false |
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| 29 April 2025 | Repayment | 12.0 | 11.59 | 0.41 | 0.0 | 0.0 | 176.4 | false | false |
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| 22 May 2025 | Repayment | 63.85 | 62.57 | 1.28 | 0.0 | 0.0 | 113.83 | true | false |
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| 22 May 2025 | Accrual Activity | 1.69 | 0.0 | 1.69 | 0.0 | 0.0 | 0.0 | false | false |
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| 28 May 2025 | Accrual | 1.9 | 0.0 | 1.9 | 0.0 | 0.0 | 0.0 | false | false |
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| 28 May 2025 | Interest Refund | 2.01 | 0.0 | 0.0 | 0.0 | 0.0 | 176.4 | false | true |
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| 28 May 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
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| 28 May 2025 | Merchant Issued Refund | 187.99 | 176.4 | 1.6 | 0.0 | 2.8 | 0.0 | false | true |
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| 28 May 2025 | Accrual Activity | 3.12 | 0.0 | 0.32 | 0.0 | 2.8 | 0.0 | false | true |
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| 28 May 2025 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
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@TestRailId:C3774
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Scenario: Verify that the MIR works correctly when last installment principal got updated to null - 360/30
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When Admin sets the business date to "09 November 2024"
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And Admin creates a client with random data
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And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE" loan product "MERCHANT_ISSUED_REFUND" transaction type to "LAST_INSTALLMENT" future installment allocation rule
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And 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_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE | 09 November 2024 | 600 | 11.99 | 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 "09 November 2024" with "600" amount and expected disbursement date on "09 November 2024"
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And Admin successfully disburse the loan on "09 November 2024" with "600" EUR transaction amount
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And Admin sets the business date to "09 June 2025"
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And Customer makes "AUTOPAY" repayment on "09 June 2025" with 10 EUR transaction amount
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And Admin sets the business date to "10 June 2025"
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And Admin does charge-off the loan on "10 June 2025"
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And Customer makes "AUTOPAY" repayment on "09 June 2025" with 187.68 EUR transaction amount
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Then Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 June 2025" with 100 EUR transaction amount and system-generated Idempotency key
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And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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@TestRailId:C3775
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Scenario: Verify that the MIR works correctly when last installment principal got updated to null - Actual/Actual
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When Admin sets the business date to "09 November 2024"
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And Admin creates a client with random data
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And Admin set "LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF" loan product "MERCHANT_ISSUED_REFUND" transaction type to "LAST_INSTALLMENT" future installment allocation rule
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And 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_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF | 09 November 2024 | 600 | 11.99 | 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 "09 November 2024" with "600" amount and expected disbursement date on "09 November 2024"
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And Admin successfully disburse the loan on "09 November 2024" with "600" EUR transaction amount
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And Admin sets the business date to "09 June 2025"
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And Customer makes "AUTOPAY" repayment on "09 June 2025" with 10 EUR transaction amount
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And Admin sets the business date to "10 June 2025"
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And Admin does charge-off the loan on "10 June 2025"
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And Customer makes "AUTOPAY" repayment on "09 June 2025" with 187.68 EUR transaction amount
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Then Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 June 2025" with 100 EUR transaction amount and system-generated Idempotency key
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And Admin set "LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
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