| @LoanChargeback |
| Feature: LoanChargeback |
| |
| @TestRailId:C2441 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| When Admin creates a new default Loan with date: "1 January 2022" |
| And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1000 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 February 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount |
| Then Loan has 250 outstanding amount |
| Then Loan status will be "ACTIVE" |
| |
| @TestRailId:C2442 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| When Admin creates a new default Loan with date: "1 January 2022" |
| And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1000 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 February 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_REFUND" chargeback with 250 EUR transaction amount |
| Then Loan has 250 outstanding amount |
| Then Loan status will be "ACTIVE" |
| |
| @TestRailId:C2443 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3 |
| And Admin successfully approves the loan on "1 January 2022" with "750" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "750" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "1 March 2022" |
| And Customer makes "AUTOPAY" repayment on "1 March 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "1 April 2022" |
| And Customer makes "AUTOPAY" repayment on "1 April 2022" with 250 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 April 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount |
| Then Loan has 250 outstanding amount |
| Then Loan status will be "ACTIVE" |
| |
| @TestRailId:C2444 |
| Scenario: As an admin I would like to check chargeback function is working properly when repayment happens again after chargeback |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3 |
| And Admin successfully approves the loan on "1 January 2022" with "750" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "750" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "1 March 2022" |
| And Customer makes "AUTOPAY" repayment on "1 March 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "1 April 2022" |
| And Customer makes "AUTOPAY" repayment on "1 April 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "25 April 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount |
| Then Loan has 250 outstanding amount |
| Then Loan status will be "ACTIVE" |
| And Customer makes "AUTOPAY" repayment on "25 April 2022" with 250 EUR transaction amount |
| Then Loan has 0 outstanding amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| |
| @TestRailId:C2445 |
| Scenario: As an admin I would like to check chargeback function is working properly when a second chargeback happens after the repayment |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3 |
| And Admin successfully approves the loan on "1 January 2022" with "750" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "750" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "1 March 2022" |
| And Customer makes "AUTOPAY" repayment on "1 March 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "1 April 2022" |
| And Customer makes "AUTOPAY" repayment on "1 April 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "25 April 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount |
| Then Loan has 250 outstanding amount |
| Then Loan status will be "ACTIVE" |
| And Customer makes "AUTOPAY" repayment on "25 April 2022" with 250 EUR transaction amount |
| Then Loan has 0 outstanding amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| When Admin sets the business date to "1 May 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 200 EUR transaction amount |
| Then Loan has 200 outstanding amount |
| Then Loan status will be "ACTIVE" |
| |
| @TestRailId:C2446 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "750", a loanTermFrequency: 3 months, and numberOfRepayments: 3 |
| And Admin successfully approves the loan on "1 January 2022" with "750" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "750" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "1 March 2022" |
| And Customer makes "AUTOPAY" repayment on "1 March 2022" with 250 EUR transaction amount |
| When Admin sets the business date to "1 April 2022" |
| And Customer makes "AUTOPAY" repayment on "1 April 2022" with 250 EUR transaction amount |
| Then Loan has 0 outstanding amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| When Customer makes a repayment undo on "1 April 2022" |
| Then Loan has 250 outstanding amount |
| Then Loan status will be "ACTIVE" |
| And Admin adds an NSF fee because of payment bounce with "1 April 2022" transaction date |
| Then Loan has 260 outstanding amount |
| Then Loan status will be "ACTIVE" |
| When Admin sets the business date to "5 April 2022" |
| And Customer makes "AUTOPAY" repayment on "5 April 2022" with 260 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 April 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount |
| Then Loan has 250 outstanding amount |
| Then Loan status will be "ACTIVE" |
| |
| @TestRailId:C2447 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| When Admin creates a new default Loan with date: "1 January 2022" |
| And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1200 EUR transaction amount |
| Then Loan has 0 outstanding amount |
| Then Loan status will be "OVERPAID" |
| When Admin sets the business date to "25 February 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount |
| Then Loan status will be "ACTIVE" |
| Then Loan has 50 outstanding amount |
| |
| @TestRailId:C2448 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| When Admin creates a new default Loan with date: "1 January 2022" |
| And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1300 EUR transaction amount |
| Then Loan has 0 outstanding amount |
| Then Loan status will be "OVERPAID" |
| When Admin sets the business date to "25 February 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 0 outstanding amount |
| |
| @TestRailId:C2449 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| When Admin creates a new default Loan with date: "1 January 2022" |
| And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1250 EUR transaction amount |
| Then Loan has 0 outstanding amount |
| Then Loan status will be "OVERPAID" |
| When Admin sets the business date to "25 February 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 250 EUR transaction amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| Then Loan has 0 outstanding amount |
| |
| @TestRailId:C2458 |
| Scenario: As an admin I would like to check that delinquency and overdue treatment of chargeback works properly |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "3000", a loanTermFrequency: 3 months, and numberOfRepayments: 3 |
| And Admin successfully approves the loan on "1 January 2022" with "3000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "3000" EUR transaction amount |
| When Admin sets the business date to "01 February 2022" |
| And Customer makes "AUTOPAY" repayment on "01 February 2022" with 1000 EUR transaction amount |
| When Admin sets the business date to "01 March 2022" |
| And Customer makes "AUTOPAY" repayment on "01 March 2022" with 1000 EUR transaction amount |
| When Admin sets the business date to "15 March 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 1000 EUR transaction amount |
| When Admin sets the business date to "07 April 2022" |
| And Admin runs the Loan Delinquency Classification job |
| Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2022-03-18" |
| # //Then Loan has 2000 total overdue amount |
| # //TODO overdue amount will not work until New Transactions not updating the overdue calculation and loan status issue is solved |
| |
| @TestRailId:C2459 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "3000", a loanTermFrequency: 3 months, and numberOfRepayments: 3 |
| And Admin successfully approves the loan on "1 January 2022" with "3000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "3000" EUR transaction amount |
| When Admin sets the business date to "01 February 2022" |
| And Customer makes "AUTOPAY" repayment on "01 February 2022" with 1000 EUR transaction amount |
| When Admin sets the business date to "01 March 2022" |
| And Customer makes "AUTOPAY" repayment on "01 March 2022" with 1000 EUR transaction amount |
| When Admin sets the business date to "15 March 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 1000 EUR transaction amount |
| When Admin sets the business date to "07 April 2022" |
| And Admin runs the Loan Delinquency Classification job |
| Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2022-03-18" |
| And Customer makes "AUTOPAY" repayment on "20 March 2022" with 1000 EUR transaction amount |
| Then Admin checks that delinquency range is: "RANGE_1" and has delinquentDate "2022-04-04" |
| Then Loan has 1000 total overdue amount |
| |
| @TestRailId:C2460 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| And Admin successfully creates a new customised Loan submitted on date: "1 January 2022", with Principal: "3000", a loanTermFrequency: 3 months, and numberOfRepayments: 3 |
| And Admin successfully approves the loan on "1 January 2022" with "3000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "3000" EUR transaction amount |
| When Admin sets the business date to "01 February 2022" |
| And Customer makes "AUTOPAY" repayment on "01 February 2022" with 1000 EUR transaction amount |
| When Admin sets the business date to "01 March 2022" |
| And Customer makes "AUTOPAY" repayment on "01 March 2022" with 1000 EUR transaction amount |
| When Admin sets the business date to "15 March 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 1000 EUR transaction amount |
| When Admin sets the business date to "07 April 2022" |
| And Admin runs the Loan Delinquency Classification job |
| Then Admin checks that delinquency range is: "RANGE_3" and has delinquentDate "2022-03-18" |
| And Customer makes "AUTOPAY" repayment on "20 March 2022" with 1000 EUR transaction amount |
| Then Admin checks that delinquency range is: "RANGE_1" and has delinquentDate "2022-04-04" |
| Then Loan has 1000 total overdue amount |
| And Customer makes "AUTOPAY" repayment on "01 April 2022" with 1000 EUR transaction amount |
| Then Admin checks that delinquency range is: "NO_DELINQUENCY" and has delinquentDate "" |
| Then Loan has 0 total overdue amount |
| |
| @TestRailId:C2486 |
| 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 |
| When Admin sets the business date to "1 January 2022" |
| When Admin creates a client with random data |
| When Admin creates a new default Loan with date: "1 January 2022" |
| And Admin successfully approves the loan on "1 January 2022" with "1000" amount and expected disbursement date on "1 January 2022" |
| When Admin successfully disburse the loan on "1 January 2022" with "1000" EUR transaction amount |
| When Admin sets the business date to "1 February 2022" |
| And Customer makes "AUTOPAY" repayment on "1 February 2022" with 1000 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 February 2022" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 1000 EUR transaction amount |
| Then Loan has 1000 outstanding amount |
| When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "15 January 2022" with 1000 EUR transaction amount |
| Then Loan has 0 outstanding amount |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "17 January 2022" with 100 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 0 outstanding amount |
| Then Loan has 100 overpaid amount |
| When Admin makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "18 January 2022" with 100 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 0 outstanding amount |
| Then Loan has 200 overpaid amount |
| When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "19 January 2022" with 100 EUR transaction amount |
| Then Loan status will be "OVERPAID" |
| Then Loan has 0 outstanding amount |
| Then Loan has 300 overpaid amount |
| |
| @TestRailId:C2543 |
| Scenario: When charge backs comes in after the loan is closed, before the maturity date |
| 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 |
| 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 | 0.0 | 0.0 | 500.0 | 250.0 | 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 | |
| | 1000 | 0 | 0 | 0 | 1000 | 750 | 250 | 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 | | |
| 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 | |
| |
| |
| @TestRailId:C2544 |
| Scenario: When repayment happens again on the charge backs |
| 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 |
| 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 | | |
| |
| # TODO check the periodic accrual creation + modify |
| @TestRailId:C2547 @Skip |
| 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 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 |
| 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 |
| Then Loan has 270 outstanding amount |
| When Admin sets the business date to "31 March 2023" |
| And Admin runs COB job |
| 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 |
| 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 | |
| | PIN30 | 01 January 2023 | 750 | 0 | FLAT | 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 COB job |
| 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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 | |
| |
| # TODO chack and finish when credit allocation is implemented |
| @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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 "PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 "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 | | 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 | |
| | PIN4_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 "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 | | 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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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 | |
| | PIN4_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" |