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apache/fineract/develop/./fineract-e2e-tests-runner/src/test/resources/features/LoanChargeOff-Part4.feature
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@ChargeOffFeature
Feature: Charge-off - Part4
@TestRailId:C3622
Scenario: Verify repayment reversal after charge-off and merchant issued refund and interestRecalculation=false
When Admin sets the business date to "14 March 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_REFUND_FULL | 14 March 2025 | 900 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025"
And Admin successfully disburse the loan on "14 March 2025" with "900" 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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
When Admin sets the business date to "05 April 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" with 100 EUR transaction amount and system-generated Idempotency key
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 100.0 | 100.0 | 0.0 | 818.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan on "14 April 2025"
When Admin runs inline COB job for Loan
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 100.0 | 100.0 | 0.0 | 818.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 818.75 | 800.0 | 18.75 | 0.0 | 0.0 | 0.0 |
When Admin sets the business date to "15 April 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 EUR transaction amount and system-generated Idempotency key
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 229.69 | 100.0 | 129.69 | 0.0 |
| 2 | 30 | 14 May 2025 | 15 April 2025 | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 3 | 31 | 14 June 2025 | 15 April 2025 | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 229.68 | 229.68 | 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 |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 918.75 | 789.06 | 129.69 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 818.75 | 800.0 | 18.75 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 18.75 | 0.0 | 0.0 | 0.0 |
When Customer undo "1"th repayment on "05 April 2025"
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 229.69 | 0.0 | 229.69 | 0.0 |
| 2 | 30 | 14 May 2025 | 15 April 2025 | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 3 | 31 | 14 June 2025 | 15 April 2025 | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 210.93 | 210.93 | 0.0 | 18.75 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 900.0 | 670.31 | 229.69 | 18.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 918.75 | 900.0 | 18.75 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 883.1 | 16.9 | 0.0 | 0.0 | 16.9 | false | true |
@TestRailId:C3623
Scenario: Verify repayment reversal after zero interest behaviour charge-off and merchant issued refund and interestRecalculation=false
When Admin sets the business date to "14 March 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF | 14 March 2025 | 900 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025"
And Admin successfully disburse the loan on "14 March 2025" with "900" 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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
When Admin sets the business date to "05 April 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" with 100 EUR transaction amount and system-generated Idempotency key
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 100.0 | 100.0 | 0.0 | 818.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan on "14 April 2025"
When Admin runs inline COB job for Loan
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 448.19 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 218.5 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 218.5 | 0.0 | 0.0 | 0.0 | 218.5 | 0.0 | 0.0 | 0.0 | 218.5 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 100.0 | 100.0 | 0.0 | 807.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 807.57 | 800.0 | 7.57 | 0.0 | 0.0 | 0.0 |
When Admin sets the business date to "15 April 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 EUR transaction amount and system-generated Idempotency key
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 229.69 | 100.0 | 129.69 | 0.0 |
| 2 | 30 | 14 May 2025 | 15 April 2025 | 448.19 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 3 | 31 | 14 June 2025 | 15 April 2025 | 218.5 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 4 | 30 | 14 July 2025 | 15 April 2025 | 0.0 | 218.5 | 0.0 | 0.0 | 0.0 | 218.5 | 218.5 | 218.5 | 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 |
| 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 777.88 | 129.69 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 807.57 | 800.0 | 7.57 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 7.57 | 0.0 | 0.0 | 0.0 |
When Customer undo "1"th repayment on "05 April 2025"
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 229.69 | 0.0 | 229.69 | 0.0 |
| 2 | 30 | 14 May 2025 | 15 April 2025 | 448.19 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 3 | 31 | 14 June 2025 | 15 April 2025 | 218.5 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 | 229.69 | 229.69 | 0.0 | 0.0 |
| 4 | 30 | 14 July 2025 | | 0.0 | 218.5 | 0.0 | 0.0 | 0.0 | 218.5 | 210.93 | 210.93 | 0.0 | 7.57 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 900.0 | 670.31 | 229.69 | 7.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 907.57 | 900.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 892.43 | 7.57 | 0.0 | 0.0 | 7.57 | false | true |
@TestRailId:C3624
Scenario: Verify repayment reversal after accelerate maturity behaviour charge-off and merchant issued refund and interestRecalculation=false
When Admin sets the business date to "14 March 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_NO_INTEREST_RECALC_INT_REFUND_FULL_ACC_MATUR_CHARGE_OFF | 14 March 2025 | 900 | 9.9 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 4 | MONTHS | 1 | MONTHS | 4 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "14 March 2025" with "900" amount and expected disbursement date on "14 March 2025"
And Admin successfully disburse the loan on "14 March 2025" with "900" 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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 0.0 | 0.0 | 0.0 | 918.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
When Admin sets the business date to "05 April 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 April 2025" with 100 EUR transaction amount and system-generated Idempotency key
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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 677.88 | 222.12 | 7.57 | 0.0 | 0.0 | 229.69 | 100.0 | 100.0 | 0.0 | 129.69 |
| 2 | 30 | 14 May 2025 | | 453.71 | 224.17 | 5.52 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 3 | 31 | 14 June 2025 | | 227.83 | 225.88 | 3.81 | 0.0 | 0.0 | 229.69 | 0.0 | 0.0 | 0.0 | 229.69 |
| 4 | 30 | 14 July 2025 | | 0.0 | 227.83 | 1.85 | 0.0 | 0.0 | 229.68 | 0.0 | 0.0 | 0.0 | 229.68 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 18.75 | 0.0 | 0.0 | 918.75 | 100.0 | 100.0 | 0.0 | 818.75 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan on "14 April 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 1 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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 0.0 | 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 100.0 | 100.0 | 0.0 | 807.57 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 100.0 | 100.0 | 0.0 | 807.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 807.57 | 800.0 | 7.57 | 0.0 | 0.0 | 0.0 |
When Admin sets the business date to "15 April 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 April 2025" with 900 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 1 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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | 15 April 2025 | 0.0 | 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 100.0 | 807.57 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 907.57 | 100.0 | 807.57 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 |
| 14 April 2025 | Charge-off | 807.57 | 800.0 | 7.57 | 0.0 | 0.0 | 0.0 |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 800.0 | 7.57 | 0.0 | 0.0 | 0.0 |
When Customer undo "1"th repayment on "05 April 2025"
Then Loan Repayment schedule has 1 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 |
| | | 14 March 2025 | | 900.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 14 April 2025 | | 0.0 | 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 900.0 | 0.0 | 900.0 | 7.57 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 900.0 | 7.57 | 0.0 | 0.0 | 907.57 | 900.0 | 0.0 | 900.0 | 7.57 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 March 2025 | Disbursement | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | 900.0 | false | false |
| 05 April 2025 | Repayment | 100.0 | 100.0 | 0.0 | 0.0 | 0.0 | 800.0 | true | false |
| 14 April 2025 | Accrual | 7.57 | 0.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 907.57 | 900.0 | 7.57 | 0.0 | 0.0 | 0.0 | false | true |
| 15 April 2025 | Merchant Issued Refund | 900.0 | 900.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
@TestRailId:C3643
Scenario: As a user I want to verify that charge-off transaction if the amount balance becomes zero is reversed after backdated full repayment and MIR, interestRecalculation = false
When Admin sets the business date to "11 March 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON | 11 March 2025 | 500 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "11 March 2025" with "500" amount and expected disbursement date on "11 March 2025"
And Admin successfully disburse the loan on "11 March 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 2 | 30 | 11 May 2025 | | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 3 | 31 | 11 June 2025 | | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 4 | 30 | 11 July 2025 | | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 5 | 31 | 11 August 2025 | | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 6 | 31 | 11 September 2025| | 0.0 | 84.77 | 0.49 | 0.0 | 0.0 | 85.26 | 0.0 | 0.0 | 0.0 | 0.0 | 85.26 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 10.26 | 0.0 | 0 | 510.26 | 0.0 | 0 | 0 | 0.0 | 510.26 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
Then Admin can successfully set Fraud flag to the loan
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan with reason "DELINQUENT" on "14 April 2025"
Then LoanBalanceChangedBusinessEvent is created on "14 April 2025"
Then Loan marked as charged-off on "14 April 2025"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 2 | 30 | 11 May 2025 | | 333.16 | 84.76 | 0.24 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 3 | 31 | 11 June 2025 | | 248.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 4 | 30 | 11 July 2025 | | 163.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 5 | 31 | 11 August 2025 | | 78.16 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 6 | 31 | 11 September 2025 | | 0.0 | 78.16 | 0.0 | 0.0 | 0.0 | 78.16 | 0.0 | 0.0 | 0.0 | 0.0 | 78.16 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 3.16 | 0.0 | 0 | 503.16 | 0 | 0 | 0 | 0.0 | 503.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 14 April 2025 | Accrual | 3.16 | 0.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 503.16 | 500.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false |
When Admin runs inline COB job for Loan
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | | 0.0 | 84.77 | 0.0 | 0.0 | 0.0 | 84.77 | 75.0 | 75.0 | 0.0 | 0.0 | 9.77 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 9.77 | 0.0 | 0 | 509.77 | 500.0 | 415.0 | 85.0 | 0.0 | 9.77 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 490.23 | 9.77 | 0.0 | 0.0 | 9.77 | false | false |
| 14 April 2025 | Accrual | 3.16 | 0.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 9.77 | 9.77 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 84.77 | 0.49 | 0.0 | 0.0 | 85.26 | 85.26 | 85.26 | 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 | Waived | Outstanding |
| 500.0 | 10.26 | 0.0 | 0 | 510.26 | 510.26 | 425.26 | 85.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 490.23 | 9.77 | 0.0 | 0.0 | 9.77 | false | false |
| 13 April 2025 | Merchant Issued Refund | 500.0 | 9.77 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 3.16 | 0.0 | 3.16 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 7.34 | 0.0 | 7.34 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3644
Scenario: As a user I want to verify that charge-off transaction if the amount balance becomes zero is reversed after backdated full repayment and MIR, interestRecalculation = true
When Admin sets the business date to "11 March 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_ZERO_INTEREST_CHARGE_OFF_DELINQUENT_REASON_INTEREST_RECALC | 11 March 2025 | 500 | 7 | DECLINING_BALANCE | SAME_AS_REPAYMENT_PERIOD | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "11 March 2025" with "500" amount and expected disbursement date on "11 March 2025"
And Admin successfully disburse the loan on "11 March 2025" with "500" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 2 | 30 | 11 May 2025 | | 335.36 | 82.56 | 2.44 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 3 | 31 | 11 June 2025 | | 252.32 | 83.04 | 1.96 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 4 | 30 | 11 July 2025 | | 168.79 | 83.53 | 1.47 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 5 | 31 | 11 August 2025 | | 84.77 | 84.02 | 0.98 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 6 | 31 | 11 September 2025| | 0.0 | 84.77 | 0.49 | 0.0 | 0.0 | 85.26 | 0.0 | 0.0 | 0.0 | 0.0 | 85.26 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 10.26 | 0.0 | 0 | 510.26 | 0.0 | 0 | 0 | 0.0 | 510.26 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
Then Admin can successfully set Fraud flag to the loan
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 April 2025"
And Admin does charge-off the loan with reason "DELINQUENT" on "14 April 2025"
Then LoanBalanceChangedBusinessEvent is created on "14 April 2025"
Then Loan marked as charged-off on "14 April 2025"
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 2 | 30 | 11 May 2025 | | 333.21 | 84.71 | 0.29 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 3 | 31 | 11 June 2025 | | 248.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 4 | 30 | 11 July 2025 | | 163.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 5 | 31 | 11 August 2025 | | 78.21 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 0.0 | 0.0 | 0.0 | 0.0 | 85.0 |
| 6 | 31 | 11 September 2025 | | 0.0 | 78.21 | 0.0 | 0.0 | 0.0 | 78.21 | 0.0 | 0.0 | 0.0 | 0.0 | 78.21 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 3.21 | 0.0 | 0 | 503.21 | 0 | 0 | 0 | 0.0 | 503.21 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 503.21 | 500.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
When Admin runs inline COB job for Loan
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 333.12 | 84.8 | 0.2 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 248.12 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 163.12 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 78.12 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | | 0.0 | 78.12 | 0.0 | 0.0 | 0.0 | 78.12 | 75.0 | 75.0 | 0.0 | 0.0 | 3.12 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| 500.0 | 3.12 | 0.0 | 0 | 503.12 | 500.0 | 415.0 | 85.0 | 0.0 | 3.12 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 496.89 | 3.11 | 0.0 | 0.0 | 3.11 | false | false |
| 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Charge-off | 3.12 | 3.11 | 0.01 | 0.0 | 0.0 | 0.0 | false | true |
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 April 2025" with 500 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Waived | Outstanding |
| | | 11 March 2025 | | 500.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| 1 | 31 | 11 April 2025 | 13 April 2025 | 417.92 | 82.08 | 2.92 | 0.0 | 0.0 | 85.0 | 85.0 | 0.0 | 85.0 | 0.0 | 0.0 |
| 2 | 30 | 11 May 2025 | 13 April 2025 | 333.11 | 84.81 | 0.19 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 11 June 2025 | 13 April 2025 | 248.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 11 July 2025 | 13 April 2025 | 163.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 11 August 2025 | 13 April 2025 | 78.11 | 85.0 | 0.0 | 0.0 | 0.0 | 85.0 | 85.0 | 85.0 | 0.0 | 0.0 | 0.0 |
| 6 | 31 | 11 September 2025 | 13 April 2025 | 0.0 | 78.11 | 0.0 | 0.0 | 0.0 | 78.11 | 78.11 | 78.11 | 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 | Waived | Outstanding |
| 500.0 | 3.11 | 0.0 | 0 | 503.11 | 503.11 | 418.11 | 85.0 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 11 March 2025 | Disbursement | 500.0 | 0.0 | 0.0 | 0.0 | 0.0 | 500.0 | false | false |
| 13 April 2025 | Repayment | 500.0 | 496.89 | 3.11 | 0.0 | 0.0 | 3.11 | false | false |
| 13 April 2025 | Merchant Issued Refund | 500.0 | 3.11 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 3.21 | 0.0 | 3.21 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.09 | 0.0 | 0.09 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Adjustment | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C3719
Scenario: Verify correct schedule reconstruction when backdated repayment covers remaining balance after charge-off with interest recalculation
Given Global configuration "is-principal-compounding-disabled-for-overdue-loans" is enabled
When Admin sets the business date to "06 January 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 06 January 2025 | 5000 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "06 January 2025" with "5000" amount and expected disbursement date on "06 January 2025"
And Admin successfully disburse the loan on "06 January 2025" with "5000" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 2 | 28 | 06 March 2025 | | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 3 | 31 | 06 April 2025 | | 2521.82 | 830.87 | 19.56 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 4 | 30 | 06 May 2025 | | 1686.1 | 835.72 | 14.71 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 5 | 31 | 06 June 2025 | | 845.51 | 840.59 | 9.84 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 6 | 30 | 06 July 2025 | | 0.0 | 845.51 | 4.93 | 0.0 | 0.0 | 850.44 | 0.0 | 0.0 | 0.0 | 850.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 102.59 | 0.0 | 0.0 | 5102.59 | 0.0 | 0.0 | 0.0 | 5102.59 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
When Admin sets the business date to "06 February 2025"
And Customer makes "AUTOPAY" repayment on "06 February 2025" with 850.43 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | 06 February 2025 | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 06 March 2025 | | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 3 | 31 | 06 April 2025 | | 2521.82 | 830.87 | 19.56 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 4 | 30 | 06 May 2025 | | 1686.1 | 835.72 | 14.71 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 5 | 31 | 06 June 2025 | | 845.51 | 840.59 | 9.84 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 6 | 30 | 06 July 2025 | | 0.0 | 845.51 | 4.93 | 0.0 | 0.0 | 850.44 | 0.0 | 0.0 | 0.0 | 850.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 102.59 | 0.0 | 0.0 | 5102.59 | 850.43 | 0.0 | 0.0 | 4252.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
| 06 February 2025 | Repayment | 850.43 | 821.26 | 29.17 | 0.0 | 0.0 | 4178.74 | false | false |
When Admin sets the business date to "06 March 2025"
And Customer makes "AUTOPAY" repayment on "06 March 2025" with 850.43 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | 06 February 2025 | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 06 March 2025 | 06 March 2025 | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 06 April 2025 | | 2521.82 | 830.87 | 19.56 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 4 | 30 | 06 May 2025 | | 1686.1 | 835.72 | 14.71 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 5 | 31 | 06 June 2025 | | 845.51 | 840.59 | 9.84 | 0.0 | 0.0 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 |
| 6 | 30 | 06 July 2025 | | 0.0 | 845.51 | 4.93 | 0.0 | 0.0 | 850.44 | 0.0 | 0.0 | 0.0 | 850.44 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 102.59 | 0.0 | 0.0 | 5102.59 | 1700.86| 0.0 | 0.0 | 3401.73 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
| 06 February 2025 | Repayment | 850.43 | 821.26 | 29.17 | 0.0 | 0.0 | 4178.74 | false | false |
| 06 March 2025 | Repayment | 850.43 | 826.05 | 24.38 | 0.0 | 0.0 | 3352.69 | false | false |
# Charge-off on 01 April 2025 (accelerated maturity)
When Admin sets the business date to "01 April 2025"
And Admin does charge-off the loan on "01 April 2025"
Then LoanBalanceChangedBusinessEvent is created on "01 April 2025"
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 |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | 06 February 2025 | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 06 March 2025 | 06 March 2025 | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 3 | 26 | 01 April 2025 | | 0.0 | 3352.69 | 16.4 | 0.0 | 0.0 | 3369.09 | 0.0 | 0.0 | 0.0 | 3369.09 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 5000.0 | 69.95 | 0.0 | 0.0 | 5069.95 | 1700.86| 0.0 | 0.0 | 3369.09 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
| 06 February 2025 | Repayment | 850.43 | 821.26 | 29.17 | 0.0 | 0.0 | 4178.74 | false | false |
| 06 March 2025 | Repayment | 850.43 | 826.05 | 24.38 | 0.0 | 0.0 | 3352.69 | false | false |
| 01 April 2025 | Accrual | 69.95 | 0.0 | 69.95 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Charge-off | 3369.09 | 3352.69 | 16.4 | 0.0 | 0.0 | 0.0 | false | false |
# BUG TRIGGER: Full backdated repayment after charge-off
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "15 March 2025" with 3358.37 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 06 January 2025 | | 5000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 06 February 2025 | 06 February 2025 | 4178.74 | 821.26 | 29.17 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 2 | 28 | 06 March 2025 | 06 March 2025 | 3352.69 | 826.05 | 24.38 | 0.0 | 0.0 | 850.43 | 850.43 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 06 April 2025 | 15 March 2025 | 2507.94 | 844.75 | 5.68 | 0.0 | 0.0 | 850.43 | 850.43 | 850.43 | 0.0 | 0.0 |
| 4 | 30 | 06 May 2025 | 15 March 2025 | 1657.51 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 | 850.43 | 850.43 | 0.0 | 0.0 |
| 5 | 31 | 06 June 2025 | 15 March 2025 | 807.08 | 850.43 | 0.0 | 0.0 | 0.0 | 850.43 | 850.43 | 850.43 | 0.0 | 0.0 |
| 6 | 30 | 06 July 2025 | 15 March 2025 | 0.0 | 807.08 | 0.0 | 0.0 | 0.0 | 807.08 | 807.08 | 807.08 | 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 |
| 5000.0 | 59.23 | 0.0 | 0.0 | 5059.23 | 5059.23 | 3358.37 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 06 January 2025 | Disbursement | 5000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5000.0 | false | false |
| 06 February 2025 | Repayment | 850.43 | 821.26 | 29.17 | 0.0 | 0.0 | 4178.74 | false | false |
| 06 March 2025 | Repayment | 850.43 | 826.05 | 24.38 | 0.0 | 0.0 | 3352.69 | false | false |
| 15 March 2025 | Repayment | 3358.37 | 3352.69 | 5.68 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Accrual | 69.95 | 0.0 | 69.95 | 0.0 | 0.0 | 0.0 | false | false |
| 01 April 2025 | Accrual Adjustment | 10.72 | 0.0 | 10.72 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled
@TestRailId:C3757
Scenario: Verify that charge-off flag and charge-off date are lifted in case the charge-off transaction got reversed
Given Global configuration "is-principal-compounding-disabled-for-overdue-loans" is enabled
When Admin sets the business date to "01 January 2024"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALCULATION_ACCELERATE_MATURITY_CHARGE_OFF_BEHAVIOUR | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
When Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 0.0 | 0.0 | 0.0 | 102.05 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 2.05 | 0.0 | 0.0 | 102.05 | 17.01 | 0.0 | 0.0 | 85.04 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
When Admin sets the business date to "31 March 2024"
And Admin does charge-off the loan with reason "OTHER" on "31 March 2024"
Then LoanBalanceChangedBusinessEvent is created on "31 March 2024"
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 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 3 | 30 | 31 March 2024 | | 0.0 | 67.05 | 0.47 | 0.0 | 0.0 | 67.52 | 0.0 | 0.0 | 0.0 | 67.52 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.54 | 0.0 | 0.0 | 101.54 | 17.01 | 0.0 | 0.0 | 84.53 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Charge-off | 84.53 | 83.57 | 0.96 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan Details response contains chargedOff flag set to true
And Loan Details response contains chargedOffOnDate set to "31 March 2024"
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 84.06 EUR transaction amount
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 March 2024 | 50.04 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 March 2024 | 33.03 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 March 2024 | 16.02 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 March 2024 | 0.0 | 16.02 | 0.0 | 0.0 | 0.0 | 16.02 | 16.02 | 16.02 | 0.0 | 0.0 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 100.0 | 1.07 | 0.0 | 0.0 | 101.07 | 101.07 | 67.05 | 0.0 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 84.06 | 83.57 | 0.49 | 0.0 | 0.0 | 0.0 | false | false |
| 01 March 2024 | Accrual Adjustment | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 31 March 2024 | Accrual | 1.54 | 0.0 | 1.54 | 0.0 | 0.0 | 0.0 | false | false |
And Loan Details response does not contain chargedOff flag and chargedOffOnDate field after repayment and reverted charge off
And Loan has 0.0 outstanding amount
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
And Global configuration "is-principal-compounding-disabled-for-overdue-loans" is disabled
@TestRailId:C3988
Scenario: Backdated charge-off accrual handling with isInterestRecognitionOnDisbursementDate=true
When Admin sets the business date to "20 July 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_RECOGNITION_DISBURSEMENT_DAILY_EMI_360_30_ACCRUAL_ACTIVITY | 14 December 2024 | 1000 | 12.2301 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "14 December 2024" with "1000" amount and expected disbursement date on "14 December 2024"
When Admin successfully disburse the loan on "14 December 2024" with "1000" EUR transaction amount
When Admin does charge-off the loan on "20 July 2025"
When Admin runs COB job
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 14 December 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 14 January 2025 | Accrual Activity | 10.19 | 0.0 | 10.19 | 0.0 | 0.0 | 0.0 | false | false |
| 14 February 2025 | Accrual Activity | 10.19 | 0.0 | 10.19 | 0.0 | 0.0 | 0.0 | false | false |
| 14 March 2025 | Accrual Activity | 10.19 | 0.0 | 10.19 | 0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual Activity | 10.19 | 0.0 | 10.19 | 0.0 | 0.0 | 0.0 | false | false |
| 14 May 2025 | Accrual Activity | 10.19 | 0.0 | 10.19 | 0.0 | 0.0 | 0.0 | false | false |
| 14 June 2025 | Accrual Activity | 10.19 | 0.0 | 10.19 | 0.0 | 0.0 | 0.0 | false | false |
| 14 July 2025 | Accrual Activity | 10.19 | 0.0 | 10.19 | 0.0 | 0.0 | 0.0 | false | false |
| 20 July 2025 | Accrual | 73.3 | 0.0 | 73.3 | 0.0 | 0.0 | 0.0 | false | false |
| 20 July 2025 | Charge-off | 1142.48 | 1000.0 | 142.48 | 0.0 | 0.0 | 0.0 | false | false |
When Loan Pay-off is made on "20 July 2025"
Then Loan's all installments have obligations met
@TestRailId:C4016
Scenario: Verify early repayment with MIRs and change-off afterwards for 24m progressive loan - UC1
When Admin sets the business date to "07 May 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL_ZERO_CHARGE_OFF | 07 May 2025 | 1001 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "07 May 2025" with "1001" amount and expected disbursement date on "07 May 2025"
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 07 May 2025 | | 1001.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 07 June 2025 | | 971.92 | 29.08 | 30.02 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 2 | 30 | 07 July 2025 | | 941.97 | 29.95 | 29.15 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 3 | 31 | 07 August 2025 | | 911.12 | 30.85 | 28.25 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 4 | 31 | 07 September 2025 | | 879.35 | 31.77 | 27.33 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 5 | 30 | 07 October 2025 | | 846.62 | 32.73 | 26.37 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 6 | 31 | 07 November 2025 | | 812.91 | 33.71 | 25.39 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 7 | 30 | 07 December 2025 | | 778.19 | 34.72 | 24.38 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 8 | 31 | 07 January 2026 | | 742.43 | 35.76 | 23.34 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 9 | 31 | 07 February 2026 | | 705.6 | 36.83 | 22.27 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 10 | 28 | 07 March 2026 | | 667.66 | 37.94 | 21.16 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 11 | 31 | 07 April 2026 | | 628.58 | 39.08 | 20.02 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 12 | 30 | 07 May 2026 | | 588.33 | 40.25 | 18.85 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 13 | 31 | 07 June 2026 | | 546.87 | 41.46 | 17.64 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 14 | 30 | 07 July 2026 | | 504.17 | 42.7 | 16.4 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 15 | 31 | 07 August 2026 | | 460.19 | 43.98 | 15.12 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 16 | 31 | 07 September 2026 | | 414.89 | 45.3 | 13.8 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 17 | 30 | 07 October 2026 | | 368.23 | 46.66 | 12.44 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 18 | 31 | 07 November 2026 | | 320.17 | 48.06 | 11.04 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 19 | 30 | 07 December 2026 | | 270.67 | 49.5 | 9.6 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 20 | 31 | 07 January 2027 | | 219.69 | 50.98 | 8.12 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 21 | 31 | 07 February 2027 | | 167.18 | 52.51 | 6.59 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 22 | 28 | 07 March 2027 | | 113.09 | 54.09 | 5.01 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 23 | 31 | 07 April 2027 | | 57.38 | 55.71 | 3.39 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 24 | 30 | 07 May 2027 | | 0.0 | 57.38 | 1.72 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 417.4 | 0.0 | 0.0 | 1418.4 | 0.0 | 0.0 | 0.0 | 1418.4 |
When Admin successfully disburse the loan on "07 May 2025" with "179.04" EUR transaction amount
When Admin sets the business date to "08 May 2025"
When Admin successfully disburse the loan on "08 May 2025" with "52.07" EUR transaction amount
When Admin successfully disburse the loan on "08 May 2025" with "171.31" EUR transaction amount
When Admin sets the business date to "10 May 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "11 May 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "11 May 2025" with 61.19 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "12 May 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 May 2025"
When Admin successfully disburse the loan on "13 May 2025" with "81.67" EUR transaction amount
When Admin successfully disburse the loan on "14 May 2025" with "62.05" EUR transaction amount
When Admin sets the business date to "15 May 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "16 May 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 May 2025" with 52.07 EUR transaction amount and system-generated Idempotency key
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 May 2025" with 49.36 EUR transaction amount and system-generated Idempotency key
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 May 2025" with 81.67 EUR transaction amount and system-generated Idempotency key
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 May 2025" with 62.05 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 07 May 2025 | | 179.04 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 08 May 2025 | | 52.07 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 08 May 2025 | | 171.31 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 13 May 2025 | | 81.67 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 14 May 2025 | | 62.05 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 07 June 2025 | | 522.41 | 23.73 | 8.45 | 0.0 | 0.0 | 32.18 | 2.25 | 2.25 | 0.0 | 29.93 |
| 2 | 30 | 07 July 2025 | | 496.71 | 25.7 | 6.48 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 3 | 31 | 07 August 2025 | | 470.24 | 26.47 | 5.71 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 4 | 31 | 07 September 2025 | | 442.98 | 27.26 | 4.92 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 5 | 30 | 07 October 2025 | | 414.9 | 28.08 | 4.1 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 6 | 31 | 07 November 2025 | | 385.98 | 28.92 | 3.26 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 7 | 30 | 07 December 2025 | | 356.19 | 29.79 | 2.39 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 8 | 31 | 07 January 2026 | | 325.51 | 30.68 | 1.5 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 9 | 31 | 07 February 2026 | | 306.34 | 19.17 | 0.57 | 0.0 | 0.0 | 19.74 | 0.0 | 0.0 | 0.0 | 19.74 |
| 10 | 28 | 07 March 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 11 | 31 | 07 April 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 12 | 30 | 07 May 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 13 | 31 | 07 June 2026 | 16 May 2025 | 276.47 | 29.87 | 0.0 | 0.0 | 0.0 | 29.87 | 29.87 | 29.87 | 0.0 | 0.0 |
| 14 | 30 | 07 July 2026 | 16 May 2025 | 244.29 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 15 | 31 | 07 August 2026 | 16 May 2025 | 226.98 | 17.31 | 0.0 | 0.0 | 0.0 | 17.31 | 17.31 | 17.31 | 0.0 | 0.0 |
| 16 | 31 | 07 September 2026 | 16 May 2025 | 194.8 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 17 | 30 | 07 October 2026 | 16 May 2025 | 162.62 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 18 | 31 | 07 November 2026 | 16 May 2025 | 145.44 | 17.18 | 0.0 | 0.0 | 0.0 | 17.18 | 17.18 | 17.18 | 0.0 | 0.0 |
| 19 | 30 | 07 December 2026 | 16 May 2025 | 113.26 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 20 | 31 | 07 January 2027 | 16 May 2025 | 93.37 | 19.89 | 0.0 | 0.0 | 0.0 | 19.89 | 19.89 | 19.89 | 0.0 | 0.0 |
| 21 | 31 | 07 February 2027 | 16 May 2025 | 61.19 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 22 | 28 | 07 March 2027 | 11 May 2025 | 47.41 | 13.78 | 0.0 | 0.0 | 0.0 | 13.78 | 13.78 | 13.78 | 0.0 | 0.0 |
| 23 | 31 | 07 April 2027 | 11 May 2025 | 23.66 | 23.75 | 0.0 | 0.0 | 0.0 | 23.75 | 23.75 | 23.75 | 0.0 | 0.0 |
| 24 | 30 | 07 May 2027 | 11 May 2025 | 0.0 | 23.66 | 0.0 | 0.0 | 0.0 | 23.66 | 23.66 | 23.66 | 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 |
| 546.14 | 37.38 | 0.0 | 0.0 | 583.52 | 308.59 | 308.59 | 0.0 | 274.93 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 07 May 2025 | Disbursement | 179.04 | 0.0 | 0.0 | 0.0 | 0.0 | 179.04 | false | false |
| 08 May 2025 | Disbursement | 52.07 | 0.0 | 0.0 | 0.0 | 0.0 | 231.11 | false | false |
| 08 May 2025 | Disbursement | 171.31 | 0.0 | 0.0 | 0.0 | 0.0 | 402.42 | false | false |
| 09 May 2025 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
| 10 May 2025 | Accrual | 0.39 | 0.0 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
| 11 May 2025 | Merchant Issued Refund | 61.19 | 61.19 | 0.0 | 0.0 | 0.0 | 341.23 | false | false |
| 11 May 2025 | Interest Refund | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 341.23 | false | false |
| 11 May 2025 | Accrual | 0.39 | 0.0 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
| 12 May 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
| 13 May 2025 | Disbursement | 81.67 | 0.0 | 0.0 | 0.0 | 0.0 | 422.9 | false | false |
| 13 May 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
| 14 May 2025 | Disbursement | 62.05 | 0.0 | 0.0 | 0.0 | 0.0 | 484.95 | false | false |
| 14 May 2025 | Accrual | 0.41 | 0.0 | 0.41 | 0.0 | 0.0 | 0.0 | false | false |
| 16 May 2025 | Merchant Issued Refund | 52.07 | 52.07 | 0.0 | 0.0 | 0.0 | 432.88 | false | false |
| 16 May 2025 | Interest Refund | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 432.88 | false | false |
| 16 May 2025 | Merchant Issued Refund | 49.36 | 49.36 | 0.0 | 0.0 | 0.0 | 383.52 | false | false |
| 16 May 2025 | Interest Refund | 0.43 | 0.0 | 0.43 | 0.0 | 0.0 | 383.52 | false | false |
| 16 May 2025 | Merchant Issued Refund | 81.67 | 81.67 | 0.0 | 0.0 | 0.0 | 301.85 | false | false |
| 16 May 2025 | Interest Refund | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 301.85 | false | false |
| 16 May 2025 | Merchant Issued Refund | 62.05 | 62.05 | 0.0 | 0.0 | 0.0 | 239.8 | false | false |
| 16 May 2025 | Interest Refund | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 239.8 | false | false |
When Admin sets the business date to "14 June 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 July 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 August 2025"
When Admin runs inline COB job for Loan
And Admin does charge-off the loan on "14 August 2025"
When Admin sets the business date to "15 August 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 07 May 2025 | | 179.04 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 08 May 2025 | | 52.07 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 08 May 2025 | | 171.31 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 13 May 2025 | | 81.67 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 14 May 2025 | | 62.05 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 07 June 2025 | | 522.41 | 23.73 | 8.45 | 0.0 | 0.0 | 32.18 | 2.25 | 2.25 | 0.0 | 29.93 |
| 2 | 30 | 07 July 2025 | | 497.42 | 24.99 | 7.19 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 3 | 31 | 07 August 2025 | | 472.43 | 24.99 | 7.19 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 4 | 31 | 07 September 2025 | | 441.87 | 30.56 | 1.62 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 5 | 30 | 07 October 2025 | | 409.69 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 6 | 31 | 07 November 2025 | | 377.51 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 7 | 30 | 07 December 2025 | | 345.33 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 8 | 31 | 07 January 2026 | | 313.15 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 9 | 31 | 07 February 2026 | | 306.34 | 6.81 | 0.0 | 0.0 | 0.0 | 6.81 | 0.0 | 0.0 | 0.0 | 6.81 |
| 10 | 28 | 07 March 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 11 | 31 | 07 April 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 12 | 30 | 07 May 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 13 | 31 | 07 June 2026 | 16 May 2025 | 276.47 | 29.87 | 0.0 | 0.0 | 0.0 | 29.87 | 29.87 | 29.87 | 0.0 | 0.0 |
| 14 | 30 | 07 July 2026 | 16 May 2025 | 244.29 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 15 | 31 | 07 August 2026 | 16 May 2025 | 226.98 | 17.31 | 0.0 | 0.0 | 0.0 | 17.31 | 17.31 | 17.31 | 0.0 | 0.0 |
| 16 | 31 | 07 September 2026 | 16 May 2025 | 194.8 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 17 | 30 | 07 October 2026 | 16 May 2025 | 162.62 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 18 | 31 | 07 November 2026 | 16 May 2025 | 145.44 | 17.18 | 0.0 | 0.0 | 0.0 | 17.18 | 17.18 | 17.18 | 0.0 | 0.0 |
| 19 | 30 | 07 December 2026 | 16 May 2025 | 113.26 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 20 | 31 | 07 January 2027 | 16 May 2025 | 93.37 | 19.89 | 0.0 | 0.0 | 0.0 | 19.89 | 19.89 | 19.89 | 0.0 | 0.0 |
| 21 | 31 | 07 February 2027 | 16 May 2025 | 61.19 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 22 | 28 | 07 March 2027 | 11 May 2025 | 47.41 | 13.78 | 0.0 | 0.0 | 0.0 | 13.78 | 13.78 | 13.78 | 0.0 | 0.0 |
| 23 | 31 | 07 April 2027 | 11 May 2025 | 23.66 | 23.75 | 0.0 | 0.0 | 0.0 | 23.75 | 23.75 | 23.75 | 0.0 | 0.0 |
| 24 | 30 | 07 May 2027 | 11 May 2025 | 0.0 | 23.66 | 0.0 | 0.0 | 0.0 | 23.66 | 23.66 | 23.66 | 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 |
| 546.14 | 24.45 | 0.0 | 0.0 | 570.59 | 308.59 | 308.59 | 0.0 | 262.0 |
@TestRailId:C4017
Scenario: Verify early repayment with MIRs and charge with change-off afterwards for 24m progressive loan - UC2
When Admin sets the business date to "07 May 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL_ZERO_CHARGE_OFF | 07 May 2025 | 1001 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "07 May 2025" with "1001" amount and expected disbursement date on "07 May 2025"
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 07 May 2025 | | 1001.0 | | | 0.0 | | 0.0 | | | | 0.0 |
| 1 | 31 | 07 June 2025 | | 971.92 | 29.08 | 30.02 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 2 | 30 | 07 July 2025 | | 941.97 | 29.95 | 29.15 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 3 | 31 | 07 August 2025 | | 911.12 | 30.85 | 28.25 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 4 | 31 | 07 September 2025 | | 879.35 | 31.77 | 27.33 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 5 | 30 | 07 October 2025 | | 846.62 | 32.73 | 26.37 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 6 | 31 | 07 November 2025 | | 812.91 | 33.71 | 25.39 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 7 | 30 | 07 December 2025 | | 778.19 | 34.72 | 24.38 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 8 | 31 | 07 January 2026 | | 742.43 | 35.76 | 23.34 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 9 | 31 | 07 February 2026 | | 705.6 | 36.83 | 22.27 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 10 | 28 | 07 March 2026 | | 667.66 | 37.94 | 21.16 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 11 | 31 | 07 April 2026 | | 628.58 | 39.08 | 20.02 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 12 | 30 | 07 May 2026 | | 588.33 | 40.25 | 18.85 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 13 | 31 | 07 June 2026 | | 546.87 | 41.46 | 17.64 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 14 | 30 | 07 July 2026 | | 504.17 | 42.7 | 16.4 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 15 | 31 | 07 August 2026 | | 460.19 | 43.98 | 15.12 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 16 | 31 | 07 September 2026 | | 414.89 | 45.3 | 13.8 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 17 | 30 | 07 October 2026 | | 368.23 | 46.66 | 12.44 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 18 | 31 | 07 November 2026 | | 320.17 | 48.06 | 11.04 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 19 | 30 | 07 December 2026 | | 270.67 | 49.5 | 9.6 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 20 | 31 | 07 January 2027 | | 219.69 | 50.98 | 8.12 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 21 | 31 | 07 February 2027 | | 167.18 | 52.51 | 6.59 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 22 | 28 | 07 March 2027 | | 113.09 | 54.09 | 5.01 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 23 | 31 | 07 April 2027 | | 57.38 | 55.71 | 3.39 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
| 24 | 30 | 07 May 2027 | | 0.0 | 57.38 | 1.72 | 0.0 | 0.0 | 59.1 | 0.0 | 0.0 | 0.0 | 59.1 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1001.0 | 417.4 | 0.0 | 0.0 | 1418.4 | 0.0 | 0.0 | 0.0 | 1418.4 |
When Admin successfully disburse the loan on "07 May 2025" with "179.04" EUR transaction amount
When Admin sets the business date to "08 May 2025"
When Admin successfully disburse the loan on "08 May 2025" with "52.07" EUR transaction amount
When Admin successfully disburse the loan on "08 May 2025" with "171.31" EUR transaction amount
When Admin sets the business date to "10 May 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "11 May 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "11 May 2025" with 61.19 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "12 May 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 May 2025"
When Admin successfully disburse the loan on "13 May 2025" with "81.67" EUR transaction amount
When Admin successfully disburse the loan on "14 May 2025" with "62.05" EUR transaction amount
When Admin sets the business date to "15 May 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "16 May 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 May 2025" with 52.07 EUR transaction amount and system-generated Idempotency key
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 May 2025" with 49.36 EUR transaction amount and system-generated Idempotency key
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 May 2025" with 81.67 EUR transaction amount and system-generated Idempotency key
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "16 May 2025" with 62.05 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 07 May 2025 | | 179.04 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 08 May 2025 | | 52.07 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 08 May 2025 | | 171.31 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 13 May 2025 | | 81.67 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 14 May 2025 | | 62.05 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 07 June 2025 | | 522.41 | 23.73 | 8.45 | 0.0 | 0.0 | 32.18 | 2.25 | 2.25 | 0.0 | 29.93 |
| 2 | 30 | 07 July 2025 | | 496.71 | 25.7 | 6.48 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 3 | 31 | 07 August 2025 | | 470.24 | 26.47 | 5.71 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 4 | 31 | 07 September 2025 | | 442.98 | 27.26 | 4.92 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 5 | 30 | 07 October 2025 | | 414.9 | 28.08 | 4.1 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 6 | 31 | 07 November 2025 | | 385.98 | 28.92 | 3.26 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 7 | 30 | 07 December 2025 | | 356.19 | 29.79 | 2.39 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 8 | 31 | 07 January 2026 | | 325.51 | 30.68 | 1.5 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 9 | 31 | 07 February 2026 | | 306.34 | 19.17 | 0.57 | 0.0 | 0.0 | 19.74 | 0.0 | 0.0 | 0.0 | 19.74 |
| 10 | 28 | 07 March 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 11 | 31 | 07 April 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 12 | 30 | 07 May 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 13 | 31 | 07 June 2026 | 16 May 2025 | 276.47 | 29.87 | 0.0 | 0.0 | 0.0 | 29.87 | 29.87 | 29.87 | 0.0 | 0.0 |
| 14 | 30 | 07 July 2026 | 16 May 2025 | 244.29 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 15 | 31 | 07 August 2026 | 16 May 2025 | 226.98 | 17.31 | 0.0 | 0.0 | 0.0 | 17.31 | 17.31 | 17.31 | 0.0 | 0.0 |
| 16 | 31 | 07 September 2026 | 16 May 2025 | 194.8 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 17 | 30 | 07 October 2026 | 16 May 2025 | 162.62 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 18 | 31 | 07 November 2026 | 16 May 2025 | 145.44 | 17.18 | 0.0 | 0.0 | 0.0 | 17.18 | 17.18 | 17.18 | 0.0 | 0.0 |
| 19 | 30 | 07 December 2026 | 16 May 2025 | 113.26 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 20 | 31 | 07 January 2027 | 16 May 2025 | 93.37 | 19.89 | 0.0 | 0.0 | 0.0 | 19.89 | 19.89 | 19.89 | 0.0 | 0.0 |
| 21 | 31 | 07 February 2027 | 16 May 2025 | 61.19 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 22 | 28 | 07 March 2027 | 11 May 2025 | 47.41 | 13.78 | 0.0 | 0.0 | 0.0 | 13.78 | 13.78 | 13.78 | 0.0 | 0.0 |
| 23 | 31 | 07 April 2027 | 11 May 2025 | 23.66 | 23.75 | 0.0 | 0.0 | 0.0 | 23.75 | 23.75 | 23.75 | 0.0 | 0.0 |
| 24 | 30 | 07 May 2027 | 11 May 2025 | 0.0 | 23.66 | 0.0 | 0.0 | 0.0 | 23.66 | 23.66 | 23.66 | 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 |
| 546.14 | 37.38 | 0.0 | 0.0 | 583.52 | 308.59 | 308.59 | 0.0 | 274.93 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 07 May 2025 | Disbursement | 179.04 | 0.0 | 0.0 | 0.0 | 0.0 | 179.04 | false | false |
| 08 May 2025 | Disbursement | 52.07 | 0.0 | 0.0 | 0.0 | 0.0 | 231.11 | false | false |
| 08 May 2025 | Disbursement | 171.31 | 0.0 | 0.0 | 0.0 | 0.0 | 402.42 | false | false |
| 09 May 2025 | Accrual | 0.56 | 0.0 | 0.56 | 0.0 | 0.0 | 0.0 | false | false |
| 10 May 2025 | Accrual | 0.39 | 0.0 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
| 11 May 2025 | Merchant Issued Refund | 61.19 | 61.19 | 0.0 | 0.0 | 0.0 | 341.23 | false | false |
| 11 May 2025 | Interest Refund | 0.24 | 0.0 | 0.24 | 0.0 | 0.0 | 341.23 | false | false |
| 11 May 2025 | Accrual | 0.39 | 0.0 | 0.39 | 0.0 | 0.0 | 0.0 | false | false |
| 12 May 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
| 13 May 2025 | Disbursement | 81.67 | 0.0 | 0.0 | 0.0 | 0.0 | 422.9 | false | false |
| 13 May 2025 | Accrual | 0.33 | 0.0 | 0.33 | 0.0 | 0.0 | 0.0 | false | false |
| 14 May 2025 | Disbursement | 62.05 | 0.0 | 0.0 | 0.0 | 0.0 | 484.95 | false | false |
| 14 May 2025 | Accrual | 0.41 | 0.0 | 0.41 | 0.0 | 0.0 | 0.0 | false | false |
| 16 May 2025 | Merchant Issued Refund | 52.07 | 52.07 | 0.0 | 0.0 | 0.0 | 432.88 | false | false |
| 16 May 2025 | Interest Refund | 0.45 | 0.0 | 0.45 | 0.0 | 0.0 | 432.88 | false | false |
| 16 May 2025 | Merchant Issued Refund | 49.36 | 49.36 | 0.0 | 0.0 | 0.0 | 383.52 | false | false |
| 16 May 2025 | Interest Refund | 0.43 | 0.0 | 0.43 | 0.0 | 0.0 | 383.52 | false | false |
| 16 May 2025 | Merchant Issued Refund | 81.67 | 81.67 | 0.0 | 0.0 | 0.0 | 301.85 | false | false |
| 16 May 2025 | Interest Refund | 0.65 | 0.0 | 0.65 | 0.0 | 0.0 | 301.85 | false | false |
| 16 May 2025 | Merchant Issued Refund | 62.05 | 62.05 | 0.0 | 0.0 | 0.0 | 239.8 | false | false |
| 16 May 2025 | Interest Refund | 0.48 | 0.0 | 0.48 | 0.0 | 0.0 | 239.8 | false | false |
When Admin sets the business date to "14 June 2025"
When Admin runs inline COB job for Loan
When Admin sets the business date to "14 July 2025"
When Admin runs inline COB job for Loan
# --- add charge on Aug, 14 --- #
When Admin sets the business date to "14 August 2025"
When Admin runs inline COB job for Loan
And Admin adds "LOAN_NSF_FEE" due date charge with "15 August 2025" due date and 10 EUR transaction amount
When Admin sets the business date to "15 August 2025"
# --- make charge-off on Aug, 15 --- #
And Admin does charge-off the loan on "15 August 2025"
When Admin sets the business date to "16 August 2025"
When Admin runs inline COB job for Loan
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 07 May 2025 | | 179.04 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 08 May 2025 | | 52.07 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 08 May 2025 | | 171.31 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 13 May 2025 | | 81.67 | | | 0.0 | | 0.0 | 0.0 | | | |
| | | 14 May 2025 | | 62.05 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 07 June 2025 | | 522.41 | 23.73 | 8.45 | 0.0 | 0.0 | 32.18 | 2.25 | 2.25 | 0.0 | 29.93 |
| 2 | 30 | 07 July 2025 | | 497.42 | 24.99 | 7.19 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 3 | 31 | 07 August 2025 | | 472.43 | 24.99 | 7.19 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 4 | 31 | 07 September 2025 | | 442.11 | 30.32 | 1.86 | 0.0 | 10.0 | 42.18 | 0.0 | 0.0 | 0.0 | 42.18 |
| 5 | 30 | 07 October 2025 | | 409.93 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 6 | 31 | 07 November 2025 | | 377.75 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 7 | 30 | 07 December 2025 | | 345.57 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 8 | 31 | 07 January 2026 | | 313.39 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 |
| 9 | 31 | 07 February 2026 | | 306.34 | 7.05 | 0.0 | 0.0 | 0.0 | 7.05 | 0.0 | 0.0 | 0.0 | 7.05 |
| 10 | 28 | 07 March 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 11 | 31 | 07 April 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 12 | 30 | 07 May 2026 | 16 May 2025 | 306.34 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 13 | 31 | 07 June 2026 | 16 May 2025 | 276.47 | 29.87 | 0.0 | 0.0 | 0.0 | 29.87 | 29.87 | 29.87 | 0.0 | 0.0 |
| 14 | 30 | 07 July 2026 | 16 May 2025 | 244.29 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 15 | 31 | 07 August 2026 | 16 May 2025 | 226.98 | 17.31 | 0.0 | 0.0 | 0.0 | 17.31 | 17.31 | 17.31 | 0.0 | 0.0 |
| 16 | 31 | 07 September 2026 | 16 May 2025 | 194.8 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 17 | 30 | 07 October 2026 | 16 May 2025 | 162.62 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 18 | 31 | 07 November 2026 | 16 May 2025 | 145.44 | 17.18 | 0.0 | 0.0 | 0.0 | 17.18 | 17.18 | 17.18 | 0.0 | 0.0 |
| 19 | 30 | 07 December 2026 | 16 May 2025 | 113.26 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 20 | 31 | 07 January 2027 | 16 May 2025 | 93.37 | 19.89 | 0.0 | 0.0 | 0.0 | 19.89 | 19.89 | 19.89 | 0.0 | 0.0 |
| 21 | 31 | 07 February 2027 | 16 May 2025 | 61.19 | 32.18 | 0.0 | 0.0 | 0.0 | 32.18 | 32.18 | 32.18 | 0.0 | 0.0 |
| 22 | 28 | 07 March 2027 | 11 May 2025 | 47.41 | 13.78 | 0.0 | 0.0 | 0.0 | 13.78 | 13.78 | 13.78 | 0.0 | 0.0 |
| 23 | 31 | 07 April 2027 | 11 May 2025 | 23.66 | 23.75 | 0.0 | 0.0 | 0.0 | 23.75 | 23.75 | 23.75 | 0.0 | 0.0 |
| 24 | 30 | 07 May 2027 | 11 May 2025 | 0.0 | 23.66 | 0.0 | 0.0 | 0.0 | 23.66 | 23.66 | 23.66 | 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 |
| 546.14 | 24.69 | 0.0 | 10.0 | 580.83 | 308.59 | 308.59 | 0.0 | 272.24 |
@TestRailId:C4153
Scenario: Verify that totalUnpaidPayableNotDueInterest doesn't get reset to 0 on the charge-off date
When Admin sets the business date to "01 May 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_360_30_ZERO_INTEREST_CHARGE_OFF_ACCRUAL_ACTIVITY | 01 May 2025 | 423.38 | 12.25 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 May 2025" with "423.38" amount and expected disbursement date on "01 May 2025"
And Admin successfully disburse the loan on "01 May 2025" with "423.38" EUR transaction amount
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 56.13 | 0.0 | 0.0 | 479.51 | 0.0 | 0.0 | 0.0 | 479.51 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
When Admin sets the business date to "01 June 2025"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "01 June 2025" with 19.98 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 56.13 | 0.0 | 0.0 | 479.51 | 19.98 | 0.0 | 0.0 | 459.53 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
| 01 June 2025 | Repayment | 19.98 | 15.66 | 4.32 | 0.0 | 0.0 | 407.72 |
When Admin sets the business date to "01 July 2025"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "01 July 2025" with 19.98 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 56.13 | 0.0 | 0.0 | 479.51 | 39.96 | 0.0 | 0.0 | 439.55 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
| 01 June 2025 | Repayment | 19.98 | 15.66 | 4.32 | 0.0 | 0.0 | 407.72 |
| 01 July 2025 | Repayment | 19.98 | 15.82 | 4.16 | 0.0 | 0.0 | 391.9 |
When Admin sets the business date to "08 October 2025"
When Admin runs inline COB job for Loan
Then Loan has 11.51 total unpaid payable due interest
Then Loan has 0.79 total unpaid payable not due interest
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 56.13 | 0.0 | 0.0 | 479.51 | 39.96 | 0.0 | 0.0 | 439.55 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
| 01 June 2025 | Repayment | 19.98 | 15.66 | 4.32 | 0.0 | 0.0 | 407.72 |
| 01 June 2025 | Accrual Activity | 4.32 | 0.0 | 4.32 | 0.0 | 0.0 | 0.0 |
| 01 July 2025 | Repayment | 19.98 | 15.82 | 4.16 | 0.0 | 0.0 | 391.9 |
| 01 July 2025 | Accrual Activity | 4.16 | 0.0 | 4.16 | 0.0 | 0.0 | 0.0 |
| 01 August 2025 | Accrual Activity | 4.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 |
| 01 September 2025 | Accrual Activity | 3.84 | 0.0 | 3.84 | 0.0 | 0.0 | 0.0 |
| 01 October 2025 | Accrual Activity | 3.67 | 0.0 | 3.67 | 0.0 | 0.0 | 0.0 |
| 07 October 2025 | Accrual | 20.67 | 0.0 | 20.67 | 0.0 | 0.0 | 0.0 |
And Admin does charge-off the loan on "08 October 2025"
Then LoanBalanceChangedBusinessEvent is created on "08 October 2025"
Then Loan has 11.51 total unpaid payable due interest
Then Loan has 0.79 total unpaid payable not due interest
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 20.78 | 0.0 | 0.0 | 444.16 | 39.96 | 0.0 | 0.0 | 404.2 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
| 01 June 2025 | Repayment | 19.98 | 15.66 | 4.32 | 0.0 | 0.0 | 407.72 |
| 01 June 2025 | Accrual Activity | 4.32 | 0.0 | 4.32 | 0.0 | 0.0 | 0.0 |
| 01 July 2025 | Repayment | 19.98 | 15.82 | 4.16 | 0.0 | 0.0 | 391.9 |
| 01 July 2025 | Accrual Activity | 4.16 | 0.0 | 4.16 | 0.0 | 0.0 | 0.0 |
| 01 August 2025 | Accrual Activity | 4.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 |
| 01 September 2025 | Accrual Activity | 3.84 | 0.0 | 3.84 | 0.0 | 0.0 | 0.0 |
| 01 October 2025 | Accrual Activity | 3.67 | 0.0 | 3.67 | 0.0 | 0.0 | 0.0 |
| 07 October 2025 | Accrual | 20.67 | 0.0 | 20.67 | 0.0 | 0.0 | 0.0 |
| 08 October 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 |
| 08 October 2025 | Charge-off | 404.2 | 391.9 | 12.3 | 0.0 | 0.0 | 0.0 |
@TestRailId:C4228
Scenario: Verify that totalUnpaidPayableNotDueInterest is correct when charge-off falls on a due date of an open repayment period
When Admin sets the business date to "01 May 2025"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_360_30_ZERO_INTEREST_CHARGE_OFF_ACCRUAL_ACTIVITY | 01 May 2025 | 423.38 | 12.25 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 May 2025" with "423.38" amount and expected disbursement date on "01 May 2025"
And Admin successfully disburse the loan on "01 May 2025" with "423.38" EUR transaction amount
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 56.13 | 0.0 | 0.0 | 479.51 | 0.0 | 0.0 | 0.0 | 479.51 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
When Admin sets the business date to "01 June 2025"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "01 June 2025" with 19.98 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 56.13 | 0.0 | 0.0 | 479.51 | 19.98 | 0.0 | 0.0 | 459.53 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
| 01 June 2025 | Repayment | 19.98 | 15.66 | 4.32 | 0.0 | 0.0 | 407.72 |
When Admin sets the business date to "01 July 2025"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "01 July 2025" with 19.98 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 56.13 | 0.0 | 0.0 | 479.51 | 39.96 | 0.0 | 0.0 | 439.55 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
| 01 June 2025 | Repayment | 19.98 | 15.66 | 4.32 | 0.0 | 0.0 | 407.72 |
| 01 July 2025 | Repayment | 19.98 | 15.82 | 4.16 | 0.0 | 0.0 | 391.9 |
When Admin sets the business date to "01 October 2025"
When Admin runs inline COB job for Loan
Then Loan has 11.51 total unpaid payable due interest
Then Loan has 0.0 total unpaid payable not due interest
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 423.38 | 56.13 | 0.0 | 0.0 | 479.51 | 39.96 | 0.0 | 0.0 | 439.55 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance |
| 01 May 2025 | Disbursement | 423.38 | 0.0 | 0.0 | 0.0 | 0.0 | 423.38 |
| 01 June 2025 | Repayment | 19.98 | 15.66 | 4.32 | 0.0 | 0.0 | 407.72 |
| 01 June 2025 | Accrual Activity | 4.32 | 0.0 | 4.32 | 0.0 | 0.0 | 0.0 |
| 01 July 2025 | Repayment | 19.98 | 15.82 | 4.16 | 0.0 | 0.0 | 391.9 |
| 01 July 2025 | Accrual Activity | 4.16 | 0.0 | 4.16 | 0.0 | 0.0 | 0.0 |
| 01 August 2025 | Accrual Activity | 4.0 | 0.0 | 4.0 | 0.0 | 0.0 | 0.0 |
| 01 September 2025 | Accrual Activity | 3.84 | 0.0 | 3.84 | 0.0 | 0.0 | 0.0 |
| 30 September 2025 | Accrual | 19.87 | 0.0 | 19.87 | 0.0 | 0.0 | 0.0 |
And Admin does charge-off the loan on "01 October 2025"
Then LoanBalanceChangedBusinessEvent is created on "01 October 2025"
Then Loan has 11.51 total unpaid payable due interest
Then Loan has 0.0 total unpaid payable not due interest
@TestRailId:C4579
Scenario: Verify charge-off after repayment reversal with merchant refund and credit balance refund
When Admin sets the business date to "03 November 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_RECALC_ZERO_CHARGE_OFF_ACCRUAL | 03 November 2025 | 127.17 | 9.51 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "03 November 2025" with "127.17" amount and expected disbursement date on "03 November 2025"
When Admin successfully disburse the loan on "03 November 2025" with "127.17" EUR transaction amount
When Admin sets the business date to "03 December 2025"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "03 December 2025" with 6 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "17 December 2025"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "17 December 2025" with 145 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "23 January 2026"
When Admin makes Credit Balance Refund transaction on "23 January 2026" with 23.83 EUR transaction amount
When Customer undo "1"th "Repayment" transaction made on "03 December 2025"
And Admin does charge-off the loan on "23 January 2026"
Then Loan status will be "ACTIVE"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted |
| 03 November 2025 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false |
| 03 December 2025 | Repayment | 6.0 | 5.01 | 0.99 | 0.0 | 0.0 | 122.16 | true |
| 03 December 2025 | Accrual Activity | 0.99 | 0.0 | 0.99 | 0.0 | 0.0 | 0.0 | false |
| 17 December 2025 | Accrual | 1.44 | 0.0 | 1.44 | 0.0 | 0.0 | 0.0 | false |
| 17 December 2025 | Merchant Issued Refund | 145.0 | 127.17 | 1.45 | 0.0 | 0.0 | 0.0 | false |
| 17 December 2025 | Interest Refund | 1.45 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
| 17 December 2025 | Accrual Activity | 0.46 | 0.0 | 0.46 | 0.0 | 0.0 | 0.0 | false |
| 03 January 2026 | Accrual Activity | 0.46 | 0.0 | 0.46 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2026 | Credit Balance Refund | 23.83 | 6.0 | 0.0 | 0.0 | 0.0 | 6.0 | false |
| 23 January 2026 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false |
| 23 January 2026 | Charge-off | 6.0 | 6.0 | 0.0 | 0.0 | 0.0 | 0.0 | false |
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 03 November 2025 | | 127.17 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 03 December 2025 | 17 December 2025 | 122.32 | 4.85 | 0.99 | 0.0 | 0.0 | 5.84 | 5.84 | 0.0 | 5.84 | 0.0 |
| 2 | 31 | 03 January 2026 | 17 December 2025 | 116.94 | 5.38 | 0.46 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 3 | 31 | 03 February 2026 | | 111.1 | 29.67 | 0.0 | 0.0 | 0.0 | 29.67 | 23.67 | 23.67 | 0.0 | 6.0 |
| 4 | 28 | 03 March 2026 | 17 December 2025 | 105.26 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 5 | 31 | 03 April 2026 | 17 December 2025 | 99.42 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 6 | 30 | 03 May 2026 | 17 December 2025 | 93.58 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 7 | 31 | 03 June 2026 | 17 December 2025 | 87.74 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 8 | 30 | 03 July 2026 | 17 December 2025 | 81.9 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 9 | 31 | 03 August 2026 | 17 December 2025 | 76.06 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 10 | 31 | 03 September 2026 | 17 December 2025 | 70.22 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 11 | 30 | 03 October 2026 | 17 December 2025 | 64.38 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 12 | 31 | 03 November 2026 | 17 December 2025 | 58.54 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 13 | 30 | 03 December 2026 | 17 December 2025 | 52.7 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 14 | 31 | 03 January 2027 | 17 December 2025 | 46.86 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 15 | 31 | 03 February 2027 | 17 December 2025 | 41.02 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 16 | 28 | 03 March 2027 | 17 December 2025 | 35.18 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 17 | 31 | 03 April 2027 | 17 December 2025 | 29.34 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 18 | 30 | 03 May 2027 | 17 December 2025 | 23.5 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 19 | 31 | 03 June 2027 | 17 December 2025 | 17.66 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 20 | 30 | 03 July 2027 | 17 December 2025 | 11.82 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 21 | 31 | 03 August 2027 | 17 December 2025 | 5.98 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 22 | 31 | 03 September 2027 | 17 December 2025 | 0.14 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 23 | 30 | 03 October 2027 | 17 December 2025 | 0.0 | 0.14 | 0.0 | 0.0 | 0.0 | 0.14 | 0.14 | 0.14 | 0.0 | 0.0 |
| 24 | 31 | 03 November 2027 | 17 December 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 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 |
| 151.0 | 1.45 | 0.0 | 0.0 | 152.45 | 146.45 | 140.61 | 5.84 | 6.0 |
When Loan Pay-off is made on "23 January 2026"
Then Loan's all installments have obligations met
@TestRailId:C4580
Scenario: Verify charge-off after repayment reversal with multiple merchant refunds and credit balance refund
When Admin sets the business date to "12 March 2023"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_CUSTOM_PMT_ALLOC_INTEREST_DAILY_EMI_ACTUAL_ACTUAL_INTEREST_RECALC_ZERO_CHARGE_OFF_ACCRUAL | 12 March 2023 | 127.17 | 9.51 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "12 March 2023" with "127.17" amount and expected disbursement date on "12 March 2023"
# --- Step 1: Disbursement ---
When Admin successfully disburse the loan on "12 March 2023" with "127.17" EUR transaction amount
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 12 March 2023 | | 127.17 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 12 April 2023 | | 122.36 | 4.81 | 1.03 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 2 | 30 | 12 May 2023 | | 117.48 | 4.88 | 0.96 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 3 | 31 | 12 June 2023 | | 112.59 | 4.89 | 0.95 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 4 | 30 | 12 July 2023 | | 107.63 | 4.96 | 0.88 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 5 | 31 | 12 August 2023 | | 102.66 | 4.97 | 0.87 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 6 | 31 | 12 September 2023 | | 97.65 | 5.01 | 0.83 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 7 | 30 | 12 October 2023 | | 92.57 | 5.08 | 0.76 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 8 | 31 | 12 November 2023 | | 87.48 | 5.09 | 0.75 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 9 | 30 | 12 December 2023 | | 82.32 | 5.16 | 0.68 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 10 | 31 | 12 January 2024 | | 77.14 | 5.18 | 0.66 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 11 | 31 | 12 February 2024 | | 71.92 | 5.22 | 0.62 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 12 | 29 | 12 March 2024 | | 66.62 | 5.3 | 0.54 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 13 | 31 | 12 April 2024 | | 61.32 | 5.3 | 0.54 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 14 | 30 | 12 May 2024 | | 55.96 | 5.36 | 0.48 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 15 | 31 | 12 June 2024 | | 50.57 | 5.39 | 0.45 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 16 | 30 | 12 July 2024 | | 45.13 | 5.44 | 0.4 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 17 | 31 | 12 August 2024 | | 39.65 | 5.48 | 0.36 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 18 | 31 | 12 September 2024 | | 34.13 | 5.52 | 0.32 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 19 | 30 | 12 October 2024 | | 28.56 | 5.57 | 0.27 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 20 | 31 | 12 November 2024 | | 22.95 | 5.61 | 0.23 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 21 | 30 | 12 December 2024 | | 17.29 | 5.66 | 0.18 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 22 | 31 | 12 January 2025 | | 11.59 | 5.7 | 0.14 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 23 | 31 | 12 February 2025 | | 5.84 | 5.75 | 0.09 | 0.0 | 0.0 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 |
| 24 | 28 | 12 March 2025 | | 0.0 | 5.84 | 0.04 | 0.0 | 0.0 | 5.88 | 0.0 | 0.0 | 0.0 | 5.88 |
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 13.03 | 0.0 | 0.0 | 140.20 | 0.0 | 0.0 | 0.0 | 140.20 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
# --- Step 2: First Repayment ---
When Admin sets the business date to "12 April 2023"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 April 2023" with 5.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 13.03 | 0.0 | 0.0 | 140.20 | 5.84 | 0.0 | 0.0 | 134.36 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
# --- Step 3: Merchant Issued Refunds (2x 42.39) ---
When Admin sets the business date to "20 April 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "20 April 2023" with 42.39 EUR transaction amount and system-generated Idempotency key
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "20 April 2023" with 42.39 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 4.4 | 0.0 | 0.0 | 131.57 | 91.49 | 85.65 | 0.0 | 40.08 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
# --- Step 4: Repayment on 12 May 2023 (will be reversed later) ---
When Admin sets the business date to "12 May 2023"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 May 2023" with 5.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 4.32 | 0.0 | 0.0 | 131.49 | 97.33 | 90.29 | 0.0 | 34.16 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | false | false |
# --- Step 5: Undo Repayment from 12 May 2023 ---
When Admin sets the business date to "13 May 2023"
When Customer undo "1"th "Repayment" transaction made on "12 May 2023"
Then On Loan Transactions tab the "Repayment" Transaction with date "12 May 2023" is reverted
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 4.4 | 0.0 | 0.0 | 131.57 | 91.49 | 85.65 | 0.0 | 40.08 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | true | false |
# --- Step 6: Repayment on 22 May 2023 ---
When Admin sets the business date to "22 May 2023"
When Customer makes "REPAYMENT" transaction with "REAL_TIME" payment type on "22 May 2023" with 5.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 4.35 | 0.0 | 0.0 | 131.52 | 97.33 | 90.29 | 1.2 | 34.19 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | true | false |
| 22 May 2023 | Repayment | 5.84 | 5.27 | 0.57 | 0.0 | 0.0 | 31.44 | false | false |
When Admin sets the business date to "12 June 2023"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 June 2023" with 5.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 4.17 | 0.0 | 0.0 | 131.34 | 103.17 | 96.13 | 1.2 | 28.17 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | true | false |
| 22 May 2023 | Repayment | 5.84 | 5.27 | 0.57 | 0.0 | 0.0 | 31.44 | false | false |
| 12 June 2023 | Repayment | 5.84 | 5.67 | 0.17 | 0.0 | 0.0 | 25.77 | false | false |
# --- Step 8: Repayment on 12 July 2023 (will be reversed later) ---
When Admin sets the business date to "12 July 2023"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "12 July 2023" with 5.84 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 3.9 | 0.0 | 0.0 | 131.07 | 109.01 | 101.97 | 1.2 | 22.06 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | true | false |
| 22 May 2023 | Repayment | 5.84 | 5.27 | 0.57 | 0.0 | 0.0 | 31.44 | false | false |
| 12 June 2023 | Repayment | 5.84 | 5.67 | 0.17 | 0.0 | 0.0 | 25.77 | false | false |
| 12 July 2023 | Repayment | 5.84 | 5.64 | 0.2 | 0.0 | 0.0 | 20.13 | false | false |
# --- Step 9: Merchant Issued Refund on 24 July 2023 ---
When Admin sets the business date to "24 July 2023"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "24 July 2023" with 42.39 EUR transaction amount and system-generated Idempotency key
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 2.03 | 0.0 | 0.0 | 129.2 | 129.2 | 122.16 | 1.2 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 12 April 2023 | Accrual Activity | 1.03 | 0.0 | 1.03 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | true | false |
| 12 May 2023 | Accrual Activity | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 22 May 2023 | Repayment | 5.84 | 5.27 | 0.57 | 0.0 | 0.0 | 31.44 | false | false |
| 12 June 2023 | Repayment | 5.84 | 5.67 | 0.17 | 0.0 | 0.0 | 25.77 | false | false |
| 12 June 2023 | Accrual Activity | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 12 July 2023 | Repayment | 5.84 | 5.64 | 0.2 | 0.0 | 0.0 | 20.13 | false | false |
| 24 July 2023 | Merchant Issued Refund | 42.39 | 20.13 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
| 24 July 2023 | Interest Refund | 1.16 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 24 July 2023 | Accrual | 2.03 | 0.0 | 2.03 | 0.0 | 0.0 | 0.0 | false | false |
| 24 July 2023 | Accrual Activity | 0.43 | 0.0 | 0.43 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"
# --- Step 10: Credit Balance Refund on 25 July 2023 ---
When Admin sets the business date to "25 July 2023"
When Admin makes Credit Balance Refund transaction on "25 July 2023" with 23.36 EUR transaction amount
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 127.17 | 2.03 | 0.0 | 0.0 | 129.2 | 129.2 | 122.16 | 1.2 | 0.0 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 12 April 2023 | Accrual Activity | 1.03 | 0.0 | 1.03 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | true | false |
| 12 May 2023 | Accrual Activity | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 22 May 2023 | Repayment | 5.84 | 5.27 | 0.57 | 0.0 | 0.0 | 31.44 | false | false |
| 12 June 2023 | Repayment | 5.84 | 5.67 | 0.17 | 0.0 | 0.0 | 25.77 | false | false |
| 12 June 2023 | Accrual Activity | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 12 July 2023 | Repayment | 5.84 | 5.64 | 0.2 | 0.0 | 0.0 | 20.13 | false | false |
| 24 July 2023 | Merchant Issued Refund | 42.39 | 20.13 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
| 24 July 2023 | Interest Refund | 1.16 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 24 July 2023 | Accrual | 2.03 | 0.0 | 2.03 | 0.0 | 0.0 | 0.0 | false | false |
| 24 July 2023 | Accrual Activity | 0.43 | 0.0 | 0.43 | 0.0 | 0.0 | 0.0 | false | false |
| 25 July 2023 | Credit Balance Refund | 23.36 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
# --- Step 11: Undo Repayment from 12 July 2023 ---
When Customer undo "1"th "Repayment" transaction made on "12 July 2023"
Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 150.53 | 2.36 | 0.0 | 0.0 | 152.89 | 146.74 | 139.7 | 1.2 | 6.15 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 12 April 2023 | Accrual Activity | 1.03 | 0.0 | 1.03 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | true | false |
| 12 May 2023 | Accrual Activity | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 22 May 2023 | Repayment | 5.84 | 5.27 | 0.57 | 0.0 | 0.0 | 31.44 | false | false |
| 12 June 2023 | Repayment | 5.84 | 5.67 | 0.17 | 0.0 | 0.0 | 25.77 | false | false |
| 12 June 2023 | Accrual Activity | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 12 July 2023 | Repayment | 5.84 | 5.64 | 0.2 | 0.0 | 0.0 | 20.13 | true | false |
| 24 July 2023 | Accrual | 2.03 | 0.0 | 2.03 | 0.0 | 0.0 | 0.0 | false | false |
| 24 July 2023 | Merchant Issued Refund | 42.39 | 25.77 | 0.28 | 0.0 | 0.0 | 0.0 | false | true |
| 24 July 2023 | Interest Refund | 1.18 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 25 July 2023 | Credit Balance Refund | 23.36 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | false | true |
Then Loan status will be "ACTIVE"
# --- Step 12: Charge-off on 26 July 2023
When Admin sets the business date to "26 July 2023"
And Admin does charge-off the loan on "26 July 2023"
Then Loan Repayment schedule has 24 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 12 March 2023 | | 127.17 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 12 April 2023 | 12 April 2023 | 122.36 | 4.81 | 1.03 | 0.0 | 0.0 | 5.84 | 5.84 | 0.0 | 0.0 | 0.0 |
| 2 | 30 | 12 May 2023 | 22 May 2023 | 116.99 | 5.37 | 0.47 | 0.0 | 0.0 | 5.84 | 5.84 | 4.64 | 1.2 | 0.0 |
| 3 | 31 | 12 June 2023 | 22 May 2023 | 111.25 | 5.74 | 0.1 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 4 | 30 | 12 July 2023 | 22 May 2023 | 105.41 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 5 | 31 | 12 August 2023 | | 99.74 | 29.03 | 0.45 | 0.0 | 0.0 | 29.48 | 23.36 | 23.36 | 0.0 | 6.12 |
| 6 | 31 | 12 September 2023 | 12 June 2023 | 93.9 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 7 | 30 | 12 October 2023 | 12 June 2023 | 88.06 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 8 | 31 | 12 November 2023 | 24 July 2023 | 82.5 | 5.56 | 0.28 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 9 | 30 | 12 December 2023 | 24 July 2023 | 76.66 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 10 | 31 | 12 January 2024 | 24 July 2023 | 70.82 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 11 | 31 | 12 February 2024 | 24 July 2023 | 64.98 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 12 | 29 | 12 March 2024 | 24 July 2023 | 59.14 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 13 | 31 | 12 April 2024 | 24 July 2023 | 53.3 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 14 | 30 | 12 May 2024 | 24 July 2023 | 47.46 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 15 | 31 | 12 June 2024 | 24 July 2023 | 41.62 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 16 | 30 | 12 July 2024 | 24 July 2023 | 35.78 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 17 | 31 | 12 August 2024 | 24 July 2023 | 29.94 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 18 | 31 | 12 September 2024 | 24 July 2023 | 24.1 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 19 | 30 | 12 October 2024 | 24 July 2023 | 18.26 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | 5.84 | 5.84 | 0.0 | 0.0 |
| 20 | 31 | 12 November 2024 | 24 July 2023 | 13.15 | 5.11 | 0.0 | 0.0 | 0.0 | 5.11 | 5.11 | 5.11 | 0.0 | 0.0 |
| 21 | 30 | 12 December 2024 | 24 July 2023 | 9.38 | 3.77 | 0.0 | 0.0 | 0.0 | 3.77 | 3.77 | 3.77 | 0.0 | 0.0 |
| 22 | 31 | 12 January 2025 | 20 April 2023 | 5.61 | 3.77 | 0.0 | 0.0 | 0.0 | 3.77 | 3.77 | 3.77 | 0.0 | 0.0 |
| 23 | 31 | 12 February 2025 | 20 April 2023 | 1.91 | 3.7 | 0.0 | 0.0 | 0.0 | 3.7 | 3.7 | 3.7 | 0.0 | 0.0 |
| 24 | 28 | 12 March 2025 | 20 April 2023 | 0.0 | 1.91 | 0.0 | 0.0 | 0.0 | 1.91 | 1.91 | 1.91 | 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 |
| 150.53 | 2.33 | 0.0 | 0.0 | 152.86 | 146.74 | 139.7 | 1.2 | 6.12 |
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 12 March 2023 | Disbursement | 127.17 | 0.0 | 0.0 | 0.0 | 0.0 | 127.17 | false | false |
| 12 April 2023 | Repayment | 5.84 | 4.81 | 1.03 | 0.0 | 0.0 | 122.36 | false | false |
| 12 April 2023 | Accrual Activity | 1.03 | 0.0 | 1.03 | 0.0 | 0.0 | 0.0 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 79.97 | false | false |
| 20 April 2023 | Interest Refund | 0.44 | 0.44 | 0.0 | 0.0 | 0.0 | 79.53 | false | false |
| 20 April 2023 | Merchant Issued Refund | 42.39 | 42.39 | 0.0 | 0.0 | 0.0 | 37.14 | false | false |
| 20 April 2023 | Interest Refund | 0.43 | 0.43 | 0.0 | 0.0 | 0.0 | 36.71 | false | false |
| 12 May 2023 | Repayment | 5.84 | 5.37 | 0.47 | 0.0 | 0.0 | 31.34 | true | false |
| 12 May 2023 | Accrual Activity | 0.47 | 0.0 | 0.47 | 0.0 | 0.0 | 0.0 | false | false |
| 22 May 2023 | Repayment | 5.84 | 5.27 | 0.57 | 0.0 | 0.0 | 31.44 | false | false |
| 12 June 2023 | Repayment | 5.84 | 5.67 | 0.17 | 0.0 | 0.0 | 25.77 | false | false |
| 12 June 2023 | Accrual Activity | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 12 July 2023 | Repayment | 5.84 | 5.64 | 0.2 | 0.0 | 0.0 | 20.13 | true | false |
| 24 July 2023 | Accrual | 2.03 | 0.0 | 2.03 | 0.0 | 0.0 | 0.0 | false | false |
| 24 July 2023 | Merchant Issued Refund | 42.39 | 25.77 | 0.28 | 0.0 | 0.0 | 0.0 | false | true |
| 24 July 2023 | Interest Refund | 1.18 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 25 July 2023 | Credit Balance Refund | 23.36 | 5.84 | 0.0 | 0.0 | 0.0 | 5.84 | false | true |
| 26 July 2023 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false |
| 26 July 2023 | Charge-off | 6.12 | 5.84 | 0.28 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "ACTIVE"