| @LoanChargeback |
| Feature: LoanChargeback - Part3 |
| |
| @TestRailId:C3448 |
| Scenario: Two chargeback before the maturity date with interest recalculation ENABLED - Allocation priority: principal, interest, fees - UC4 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_PRINCIPAL_INTEREST_FEE | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "1 March 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| # --- partial chargeback for 1st repayment made on February, 1st --- # |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 1 |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | | 50.52 | 31.53 | 0.48 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 | |
| | 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 115.0 | 2.14 | 0 | 0 | 117.14 | 34.02 | 0 | 0 | 83.12 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false | |
| # --- full chargeback for 2nd repayment made on March, 1st --- # |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2 |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | | 50.61 | 47.96 | 1.06 | 0.0 | 0.0 | 49.02 | 0.0 | 0.0 | 0.0 | 49.02 | |
| | 4 | 30 | 01 May 2024 | | 33.9 | 16.71 | 0.3 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 17.09 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.09 | 0.1 | 0.0 | 0.0 | 17.19 | 0.0 | 0.0 | 0.0 | 17.19 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 131.52 | 2.73 | 0 | 0 | 134.25 | 34.02 | 0 | 0 | 100.23 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false | |
| | 01 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 98.57 | false | false | |
| |
| @TestRailId:C3449 |
| Scenario: Full chargeback before the maturity date on different business date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC5 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "1 March 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 34.02 | 0 | 0 | 68.03 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| # --- full chargeback for 2nd repayment made on March, 1st --- # |
| When Admin sets the business date to "15 March 2024" |
| And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2 |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | | 50.48 | 33.09 | 0.93 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 4 | 30 | 01 May 2024 | | 33.76 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.95 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.95 | 0.1 | 0.0 | 0.0 | 17.05 | 0.0 | 0.0 | 0.0 | 17.05 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 116.52 | 2.59 | 0 | 0 | 119.11 | 34.02 | 0 | 0 | 85.09 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 15 March 2024 | Chargeback | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 83.57 | false | false | |
| |
| @TestRailId:C3450 |
| Scenario: Full chargeback after the maturity date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC6 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 March 2024" |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 April 2024" |
| And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 May 2024" |
| And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 June 2024" |
| And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 July 2024" |
| And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 102.05 | 0 | 0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false | |
| | 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false | |
| | 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false | |
| | 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false | |
| # --- full chargeback for 5th repayment made on June, 1st --- # |
| When Admin sets the business date to "15 July 2024" |
| And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5 |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 7 | 14 | 15 July 2024 | | 0.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 116.81 | 2.25 | 0 | 0 | 119.06 | 102.05 | 0 | 0 | 17.01 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false | |
| | 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false | |
| | 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false | |
| | 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 July 2024 | Chargeback | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.81 | false | false | |
| |
| @TestRailId:C3451 |
| Scenario: Two chargebacks after the maturity date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC7 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 March 2024" |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 April 2024" |
| And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 May 2024" |
| And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 June 2024" |
| And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 July 2024" |
| And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17 EUR transaction amount |
| # --- full chargeback for 5th repayment made on June, 1st --- # |
| When Admin sets the business date to "15 July 2024" |
| And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5 |
| # --- full chargeback for 6th repayment made on July, 1st --- # |
| When Admin sets the business date to "30 July 2024" |
| And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17 EUR transaction amount for Payment nr. 6 |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | |
| | 7 | 29 | 30 July 2024 | | 0.0 | 33.71 | 0.3 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 133.71 | 2.35 | 0 | 0 | 136.06 | 102.05 | 0 | 0 | 34.01 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false | |
| | 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false | |
| | 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false | |
| | 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 July 2024 | Chargeback | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.81 | false | false | |
| | 30 July 2024 | Chargeback | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 33.71 | false | false | |
| |
| @TestRailId:C3452 |
| Scenario: Chargeback on the last installment due date with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC8 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 March 2024" |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 April 2024" |
| And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 May 2024" |
| And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 June 2024" |
| And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 July 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 85.05 | 0 | 0 | 17.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false | |
| | 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false | |
| | 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false | |
| # --- full chargeback for 5th repayment made on June, 1st --- # |
| And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5 |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 33.71 | 0.3 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 116.81 | 2.25 | 0 | 0 | 119.06 | 85.05 | 0 | 0 | 34.01 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false | |
| | 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false | |
| | 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false | |
| | 01 July 2024 | Chargeback | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 33.71 | false | false | |
| |
| @TestRailId:C3453 |
| Scenario: Prepay loan after few installments repay and chargeback with interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC9 |
| When Admin sets the business date to "1 January 2024" |
| And Admin creates a client with random data |
| When Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin sets the business date to "01 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 March 2024" |
| And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount |
| When Admin sets the business date to "01 April 2024" |
| And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount |
| And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 3 |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | | 33.81 | 33.24 | 0.78 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 5 | 31 | 01 June 2024 | | 17.0 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.0 | 0.1 | 0.0 | 0.0 | 17.1 | 0.0 | 0.0 | 0.0 | 17.1 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 116.62 | 2.54 | 0 | 0 | 119.16 | 51.03 | 0 | 0 | 68.13 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false | |
| # | 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 April 2024 | Chargeback | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 67.05 | false | false | |
| # --- PayOff loan with prepay amount to close a loan --- # |
| When Loan Pay-off is made on "01 April 2024" |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 4 | 30 | 01 May 2024 | 01 April 2024 | 33.42 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 34.02 | 34.02 | 0.0 | 0.0 | |
| | 5 | 31 | 01 June 2024 | 01 April 2024 | 16.41 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 17.01 | 17.01 | 0.0 | 0.0 | |
| | 6 | 30 | 01 July 2024 | 01 April 2024 | 0.0 | 16.41 | 0.0 | 0.0 | 0.0 | 16.41 | 16.41 | 16.41 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 116.62 | 1.85 | 0 | 0 | 118.47 | 118.47 | 67.44 | 0 | 0.0 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false | |
| | 01 April 2024 | Chargeback | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 67.05 | false | false | |
| | 01 April 2024 | Repayment | 67.44 | 67.05 | 0.39 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 April 2024 | Accrual | 1.46 | 0.0 | 1.46 | 0.0 | 0.0 | 0.0 | false | false | |
| Then Loan status will be "CLOSED_OBLIGATIONS_MET" |
| Then Loan closedon_date is "01 April 2024" |
| |
| @TestRailId:C3454 |
| Scenario: Full chargeback before the maturity date with run COB and interest recalculation ENABLED - Allocation priority: interest, fees, principal - UC10 |
| When Admin sets the business date to "2 January 2024" |
| And Admin creates a client with random data |
| And Admin creates a fully customized loan with the following data: |
| | LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy | |
| | LP2_ADV_PYMNT_INTEREST_DAILY_INTEREST_RECALC_EMI_360_30_CHARGEBACK_INTEREST_PENALTY_FEE_PRINCIPAL | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION | |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 31 | 01 February 2024 | | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 0 | 0 | 0 | 102.05 | |
| And Admin successfully approves the loan on "1 January 2024" with "100" amount and expected disbursement date on "1 January 2024" |
| And Admin successfully disburse the loan on "1 January 2024" with "100" EUR transaction amount |
| When Admin runs inline COB job for Loan |
| When Admin sets the business date to "1 February 2024" |
| And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 3 | 31 | 01 April 2024 | | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 100 | 2.05 | 0 | 0 | 102.05 | 17.01 | 0 | 0 | 85.04 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| # --- full chargeback for the repayment made on February, 1st --- # |
| And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 1 |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 116.43 | 2.72 | 0 | 0 | 119.15 | 17.01 | 0 | 0 | 102.14 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | |
| When Admin sets the business date to "2 February 2024" |
| When Admin runs inline COB job for Loan |
| Then Loan Repayment schedule has 6 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 67.14 | 32.86 | 1.16 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 | |
| | 3 | 31 | 01 April 2024 | | 50.52 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 33.8 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 16.99 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 16.99 | 0.1 | 0.0 | 0.0 | 17.09 | 0.0 | 0.0 | 0.0 | 17.09 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 116.43 | 2.72 | 0 | 0 | 119.15 | 17.01 | 0 | 0 | 102.14 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 02 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 03 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 04 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 05 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 06 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 07 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 08 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 09 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 14 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 15 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 16 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 17 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 18 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 19 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 20 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 21 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 22 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 23 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 24 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 25 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 26 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 27 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 28 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 29 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 30 January 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 31 January 2024 | Accrual | 0.01 | 0.0 | 0.01 | 0.0 | 0.0 | 0.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 February 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Accrual | 0.02 | 0.0 | 0.02 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| @TestRailId:C4015 |
| Scenario: Verify early repayment with MIR and chargeback afterwards for 24m progressive loan |
| When Admin sets the business date to "11 April 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 | 11 April 2025 | 209.72 | 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 "11 April 2025" with "209.72" amount and expected disbursement date on "11 April 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 | |
| | | | 11 April 2025 | | 209.72 | | | 0.0 | | 0.0 | | | | 0.0 | |
| | 1 | 30 | 11 May 2025 | | 201.96 | 7.76 | 2.14 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 2 | 31 | 11 June 2025 | | 194.12 | 7.84 | 2.06 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 3 | 30 | 11 July 2025 | | 186.2 | 7.92 | 1.98 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 4 | 31 | 11 August 2025 | | 178.2 | 8.0 | 1.9 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 5 | 31 | 11 September 2025 | | 170.12 | 8.08 | 1.82 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 6 | 30 | 11 October 2025 | | 161.96 | 8.16 | 1.74 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 7 | 31 | 11 November 2025 | | 153.71 | 8.25 | 1.65 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 8 | 30 | 11 December 2025 | | 145.38 | 8.33 | 1.57 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 9 | 31 | 11 January 2026 | | 136.96 | 8.42 | 1.48 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 10 | 31 | 11 February 2026 | | 128.46 | 8.5 | 1.4 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 11 | 28 | 11 March 2026 | | 119.87 | 8.59 | 1.31 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 12 | 31 | 11 April 2026 | | 111.19 | 8.68 | 1.22 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 13 | 30 | 11 May 2026 | | 102.43 | 8.76 | 1.14 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 14 | 31 | 11 June 2026 | | 93.58 | 8.85 | 1.05 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 15 | 30 | 11 July 2026 | | 84.64 | 8.94 | 0.96 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 16 | 31 | 11 August 2026 | | 75.6 | 9.04 | 0.86 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 17 | 31 | 11 September 2026 | | 66.47 | 9.13 | 0.77 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 18 | 30 | 11 October 2026 | | 57.25 | 9.22 | 0.68 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 19 | 31 | 11 November 2026 | | 47.93 | 9.32 | 0.58 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 20 | 30 | 11 December 2026 | | 38.52 | 9.41 | 0.49 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 21 | 31 | 11 January 2027 | | 29.01 | 9.51 | 0.39 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 22 | 31 | 11 February 2027 | | 19.41 | 9.6 | 0.3 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 23 | 28 | 11 March 2027 | | 9.71 | 9.7 | 0.2 | 0.0 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | |
| | 24 | 31 | 11 April 2027 | | 0.0 | 9.71 | 0.1 | 0.0 | 0.0 | 9.81 | 0.0 | 0.0 | 0.0 | 9.81 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 209.72 | 27.79 | 0.0 | 0.0 | 237.51 | 0.0 | 0.0 | 0.0 | 237.51 | |
| |
| When Admin successfully disburse the loan on "11 April 2025" with "209.72" EUR transaction amount |
| When Admin sets the business date to "11 May 2025" |
| And Customer makes "AUTOPAY" repayment on "11 May 2025" with 9.9 EUR transaction amount |
| When Admin sets the business date to "11 June 2025" |
| And Customer makes "AUTOPAY" repayment on "11 June 2025" with 9.9 EUR transaction amount |
| When Admin sets the business date to "11 July 2025" |
| And Customer makes "AUTOPAY" repayment on "11 July 2025" with 9.9 EUR transaction amount |
| When Admin sets the business date to "11 August 2025" |
| When Admin runs inline COB job for Loan |
| And Customer makes "AUTOPAY" repayment on "11 August 2025" with 9.9 EUR transaction amount |
| When Admin sets the business date to "13 August 2025" |
| When Admin runs inline COB job for Loan |
| And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "13 August 2025" with 188.8 EUR transaction amount and system-generated Idempotency key |
| 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 | |
| | | | 11 April 2025 | | 209.72 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 11 May 2025 | 11 May 2025 | 201.96 | 7.76 | 2.14 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 11 June 2025 | 11 June 2025 | 194.12 | 7.84 | 2.06 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | |
| | 3 | 30 | 11 July 2025 | 11 July 2025 | 186.2 | 7.92 | 1.98 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | |
| | 4 | 31 | 11 August 2025 | 11 August 2025 | 178.2 | 8.0 | 1.9 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | |
| | 5 | 31 | 11 September 2025 | 13 August 2025 | 178.2 | 0.0 | 0.12 | 0.0 | 0.0 | 0.12 | 0.12 | 0.12 | 0.0 | 0.0 | |
| | 6 | 30 | 11 October 2025 | 13 August 2025 | 178.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 7 | 31 | 11 November 2025 | 13 August 2025 | 168.3 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 8 | 30 | 11 December 2025 | 13 August 2025 | 158.4 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 9 | 31 | 11 January 2026 | 13 August 2025 | 148.5 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 10 | 31 | 11 February 2026 | 13 August 2025 | 138.6 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 11 | 28 | 11 March 2026 | 13 August 2025 | 128.7 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 12 | 31 | 11 April 2026 | 13 August 2025 | 118.8 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 13 | 30 | 11 May 2026 | 13 August 2025 | 108.9 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 14 | 31 | 11 June 2026 | 13 August 2025 | 99.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 15 | 30 | 11 July 2026 | 13 August 2025 | 89.1 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 16 | 31 | 11 August 2026 | 13 August 2025 | 79.2 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 17 | 31 | 11 September 2026 | 13 August 2025 | 69.3 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 18 | 30 | 11 October 2026 | 13 August 2025 | 59.4 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 19 | 31 | 11 November 2026 | 13 August 2025 | 49.5 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 20 | 30 | 11 December 2026 | 13 August 2025 | 39.6 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 21 | 31 | 11 January 2027 | 13 August 2025 | 29.7 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 22 | 31 | 11 February 2027 | 13 August 2025 | 19.8 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 23 | 28 | 11 March 2027 | 13 August 2025 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 24 | 31 | 11 April 2027 | 13 August 2025 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 209.72 | 8.2 | 0.0 | 0.0 | 217.92 | 217.92 | 178.32 | 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 April 2025 | Disbursement | 209.72 | 0.0 | 0.0 | 0.0 | 0.0 | 209.72 | false | false | |
| | 11 May 2025 | Repayment | 9.9 | 7.76 | 2.14 | 0.0 | 0.0 | 201.96 | false | false | |
| | 11 May 2025 | Accrual Activity | 2.14 | 0.0 | 2.14 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 June 2025 | Repayment | 9.9 | 7.84 | 2.06 | 0.0 | 0.0 | 194.12 | false | false | |
| | 11 June 2025 | Accrual Activity | 2.06 | 0.0 | 2.06 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 July 2025 | Repayment | 9.9 | 7.92 | 1.98 | 0.0 | 0.0 | 186.2 | false | false | |
| | 11 July 2025 | Accrual Activity | 1.98 | 0.0 | 1.98 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 August 2025 | Accrual | 8.02 | 0.0 | 8.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 August 2025 | Repayment | 9.9 | 8.0 | 1.9 | 0.0 | 0.0 | 178.2 | false | false | |
| | 11 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 August 2025 | Accrual Activity | 1.9 | 0.0 | 1.9 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 August 2025 | Merchant Issued Refund | 188.8 | 178.2 | 0.12 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 August 2025 | Interest Refund | 7.87 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 August 2025 | Accrual Activity | 0.12 | 0.0 | 0.12 | 0.0 | 0.0 | 0.0 | false | false | |
| |
| # --- make this reversal of repayment --- # |
| When Customer undo "1"th "Repayment" transaction made on "11 August 2025" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for MIR nr. 1 |
| 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 | |
| | | | 11 April 2025 | | 209.72 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 30 | 11 May 2025 | 11 May 2025 | 201.96 | 7.76 | 2.14 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | |
| | 2 | 31 | 11 June 2025 | 11 June 2025 | 194.12 | 7.84 | 2.06 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | |
| | 3 | 30 | 11 July 2025 | 11 July 2025 | 186.2 | 7.92 | 1.98 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | |
| | 4 | 31 | 11 August 2025 | 13 August 2025 | 178.2 | 8.0 | 1.9 | 0.0 | 0.0 | 9.9 | 9.9 | 0.0 | 9.9 | 0.0 | |
| | 5 | 31 | 11 September 2025 | | 178.2 | 15.0 | 0.18 | 0.0 | 0.0 | 15.18 | 8.57 | 8.57 | 0.0 | 6.61 | |
| | 6 | 30 | 11 October 2025 | 13 August 2025 | 178.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| | 7 | 31 | 11 November 2025 | 13 August 2025 | 168.3 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 8 | 30 | 11 December 2025 | 13 August 2025 | 158.4 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 9 | 31 | 11 January 2026 | 13 August 2025 | 148.5 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 10 | 31 | 11 February 2026 | 13 August 2025 | 138.6 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 11 | 28 | 11 March 2026 | 13 August 2025 | 128.7 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 12 | 31 | 11 April 2026 | 13 August 2025 | 118.8 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 13 | 30 | 11 May 2026 | 13 August 2025 | 108.9 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 14 | 31 | 11 June 2026 | 13 August 2025 | 99.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 15 | 30 | 11 July 2026 | 13 August 2025 | 89.1 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 16 | 31 | 11 August 2026 | 13 August 2025 | 79.2 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 17 | 31 | 11 September 2026 | 13 August 2025 | 69.3 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 18 | 30 | 11 October 2026 | 13 August 2025 | 59.4 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 19 | 31 | 11 November 2026 | 13 August 2025 | 49.5 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 20 | 30 | 11 December 2026 | 13 August 2025 | 39.6 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 21 | 31 | 11 January 2027 | 13 August 2025 | 29.7 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 22 | 31 | 11 February 2027 | 13 August 2025 | 19.8 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 23 | 28 | 11 March 2027 | 13 August 2025 | 9.9 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| | 24 | 31 | 11 April 2027 | 13 August 2025 | 0.0 | 9.9 | 0.0 | 0.0 | 0.0 | 9.9 | 9.9 | 9.9 | 0.0 | 0.0 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 224.72 | 8.26 | 0.0 | 0.0 | 232.98 | 226.37 | 186.77 | 9.9 | 6.61 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 11 April 2025 | Disbursement | 209.72 | 0.0 | 0.0 | 0.0 | 0.0 | 209.72 | false | false | |
| | 11 May 2025 | Repayment | 9.9 | 7.76 | 2.14 | 0.0 | 0.0 | 201.96 | false | false | |
| | 11 May 2025 | Accrual Activity | 2.14 | 0.0 | 2.14 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 June 2025 | Repayment | 9.9 | 7.84 | 2.06 | 0.0 | 0.0 | 194.12 | false | false | |
| | 11 June 2025 | Accrual Activity | 2.06 | 0.0 | 2.06 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 July 2025 | Repayment | 9.9 | 7.92 | 1.98 | 0.0 | 0.0 | 186.2 | false | false | |
| | 11 July 2025 | Accrual Activity | 1.98 | 0.0 | 1.98 | 0.0 | 0.0 | 0.0 | false | false | |
| | 10 August 2025 | Accrual | 8.02 | 0.0 | 8.02 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 August 2025 | Repayment | 9.9 | 8.0 | 1.9 | 0.0 | 0.0 | 178.2 | true | false | |
| | 11 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false | |
| | 11 August 2025 | Accrual Activity | 1.9 | 0.0 | 1.9 | 0.0 | 0.0 | 0.0 | false | false | |
| | 12 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 August 2025 | Accrual | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false | |
| | 13 August 2025 | Merchant Issued Refund | 188.8 | 186.2 | 2.02 | 0.0 | 0.0 | 0.0 | false | true | |
| | 13 August 2025 | Interest Refund | 7.87 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true | |
| | 15 August 2025 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 6.55 | false | false | |
| |
| @TestRailId:C4677 @AdvancedPaymentAllocation |
| Scenario: Verify changedTerms value for LoanDisbursalTransactionBusinessEvent with n+1 trm for interest bearing multidisb loan - backdated 2nd disb with chargeback after maturity date |
| 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_EMI_360_30_INTEREST_RECALC_DAILY_MULTIDISBURSE_CHARGEBACK | 01 January 2024 | 150 | 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 "150" amount and expected disbursement date on "01 January 2024" |
| When Admin disburses 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 | |
| # --- add chargeback after maturity date - n+1 trn -- # |
| When Admin sets the business date to "01 August 2024" |
| When Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | |
| | 2 | 29 | 01 March 2024 | | 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 | | 50.53 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 4 | 30 | 01 May 2024 | | 34.01 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 5 | 31 | 01 June 2024 | | 17.49 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 17.49 | 0.49 | 0.0 | 0.0 | 17.98 | 0.0 | 0.0 | 0.0 | 17.98 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 116.43 | 3.61 | 0.0 | 0.0 | 120.04 | 17.01 | 0.0 | 0.0 | 103.03 | |
| Then Loan Transactions tab has the following data: |
| | Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed | |
| | 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false | |
| | 01 August 2024 | Chargeback | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 100.0 | false | false | |
| # --- add backdated 2nd disbursement --- # |
| When Admin disburses the loan on "20 January 2024" with "50" EUR transaction amount |
| Then Loan Repayment schedule has 7 periods, with the following data for periods: |
| | Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | | | 20 January 2024 | | 50.0 | | | 0.0 | | 0.0 | 0.0 | | | | |
| | 1 | 31 | 01 February 2024 | | 125.22 | 24.78 | 0.7 | 0.0 | 0.0 | 25.48 | 17.01 | 0.0 | 0.0 | 8.47 | |
| | 2 | 29 | 01 March 2024 | | 100.52 | 24.7 | 0.78 | 0.0 | 0.0 | 25.48 | 0.0 | 0.0 | 0.0 | 25.48 | |
| | 3 | 31 | 01 April 2024 | | 75.82 | 24.7 | 0.78 | 0.0 | 0.0 | 25.48 | 0.0 | 0.0 | 0.0 | 25.48 | |
| | 4 | 30 | 01 May 2024 | | 51.12 | 24.7 | 0.78 | 0.0 | 0.0 | 25.48 | 0.0 | 0.0 | 0.0 | 25.48 | |
| | 5 | 31 | 01 June 2024 | | 26.42 | 24.7 | 0.78 | 0.0 | 0.0 | 25.48 | 0.0 | 0.0 | 0.0 | 25.48 | |
| | 6 | 30 | 01 July 2024 | | 0.0 | 26.42 | 0.78 | 0.0 | 0.0 | 27.2 | 0.0 | 0.0 | 0.0 | 27.2 | |
| | 7 | 31 | 01 August 2024 | | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | |
| Then Loan Repayment schedule has the following data in Total row: |
| | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | |
| | 167.01 | 4.6 | 0.0 | 0.0 | 171.61 | 17.01 | 0.0 | 0.0 | 154.6 | |
| 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 | |
| | 20 January 2024 | Disbursement | 50.0 | 0.0 | 0.0 | 0.0 | 0.0 | 150.0 | false | false | |
| | 01 February 2024 | Repayment | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 132.99 | false | true | |
| | 01 August 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 150.0 | false | true | |
| Then LoanDisbursalTransactionBusinessEvent has changedTerms "false" |
| When Loan Pay-off is made on "01 August 2024" |
| Then Loan is closed with zero outstanding balance and it's all installments have obligations met |
| |
