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apache/fineract/refs/heads/develop/./fineract-e2e-tests-runner/src/test/resources/features/LoanMerchantIssuedRefund.feature
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Feature: MerchantIssuedRefund
@TestRailId:C3731
Scenario: Merchant Issued Refund reverse replayed with penalty charge and interest recalculation
When Admin sets the business date to "22 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 | 22 April 2025 | 187.99 | 11.3 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "22 April 2025" with "187.99" amount and expected disbursement date on "22 April 2025"
When Admin successfully disburse the loan on "22 April 2025" with "187.99" EUR transaction amount
When Admin sets the business date to "29 April 2025"
When Customer makes "REPAYMENT" transaction with "REAL_TIME" payment type on "29 April 2025" with 12 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "22 May 2025"
When Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "22 May 2025" with 63.85 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "28 May 2025"
When Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "28 May 2025" with 187.99 EUR transaction amount and system-generated Idempotency key
When Customer undo "2"th repayment on "28 May 2025"
When Admin adds "LOAN_NSF_FEE" due date charge with "28 May 2025" due date and 2.80 EUR transaction amount
Then Loan status will be "OVERPAID"
And Loan has 9.2 overpaid amount
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 22 April 2025 | Disbursement | 187.99 | 0.0 | 0.0 | 0.0 | 0.0 | 187.99 | false | false |
| 29 April 2025 | Repayment | 12.0 | 11.59 | 0.41 | 0.0 | 0.0 | 176.4 | false | false |
| 22 May 2025 | Repayment | 63.85 | 62.57 | 1.28 | 0.0 | 0.0 | 113.83 | true | false |
| 22 May 2025 | Accrual Activity | 1.69 | 0.0 | 1.69 | 0.0 | 0.0 | 0.0 | false | false |
| 28 May 2025 | Accrual | 1.9 | 0.0 | 1.9 | 0.0 | 0.0 | 0.0 | false | false |
| 28 May 2025 | Interest Refund | 2.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | true |
| 28 May 2025 | Accrual | 0.11 | 0.0 | 0.11 | 0.0 | 0.0 | 0.0 | false | false |
| 28 May 2025 | Merchant Issued Refund | 187.99 | 176.4 | 1.6 | 0.0 | 2.8 | 0.0 | false | true |
| 28 May 2025 | Accrual Activity | 3.12 | 0.0 | 0.32 | 0.0 | 2.8 | 0.0 | false | true |
| 28 May 2025 | Accrual | 2.8 | 0.0 | 0.0 | 0.0 | 2.8 | 0.0 | false | false |
@TestRailId:C3774
Scenario: Verify that the MIR works correctly when last installment principal got updated to null - 360/30
When Admin sets the business date to "09 November 2024"
And Admin creates a client with random data
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE" loan product "MERCHANT_ISSUED_REFUND" transaction type to "LAST_INSTALLMENT" future installment allocation rule
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_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE | 09 November 2024 | 600 | 11.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "09 November 2024" with "600" amount and expected disbursement date on "09 November 2024"
And Admin successfully disburse the loan on "09 November 2024" with "600" EUR transaction amount
And Admin sets the business date to "09 June 2025"
And Customer makes "AUTOPAY" repayment on "09 June 2025" with 10 EUR transaction amount
And Admin sets the business date to "10 June 2025"
And Admin does charge-off the loan on "10 June 2025"
And Customer makes "AUTOPAY" repayment on "09 June 2025" with 187.68 EUR transaction amount
Then Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 June 2025" with 100 EUR transaction amount and system-generated Idempotency key
And Admin set "LP2_ADV_PYMNT_INTEREST_DAILY_INT_RECALCULATION_ZERO_INT_CHARGE_OFF_INT_RECOGNITION_FROM_DISB_DATE" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3775
Scenario: Verify that the MIR works correctly when last installment principal got updated to null - Actual/Actual
When Admin sets the business date to "09 November 2024"
And Admin creates a client with random data
And Admin set "LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF" loan product "MERCHANT_ISSUED_REFUND" transaction type to "LAST_INSTALLMENT" future installment allocation rule
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_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF | 09 November 2024 | 600 | 11.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "09 November 2024" with "600" amount and expected disbursement date on "09 November 2024"
And Admin successfully disburse the loan on "09 November 2024" with "600" EUR transaction amount
And Admin sets the business date to "09 June 2025"
And Customer makes "AUTOPAY" repayment on "09 June 2025" with 10 EUR transaction amount
And Admin sets the business date to "10 June 2025"
And Admin does charge-off the loan on "10 June 2025"
And Customer makes "AUTOPAY" repayment on "09 June 2025" with 187.68 EUR transaction amount
Then Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 June 2025" with 100 EUR transaction amount and system-generated Idempotency key
And Admin set "LP2_ADV_PYMNT_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF" loan product "MERCHANT_ISSUED_REFUND" transaction type to "NEXT_INSTALLMENT" future installment allocation rule
@TestRailId:C3842
Scenario: Merchant Issued Refund with interestRefundCalculation = false (Interest Refund transaction should NOT be created)
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "10 July 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 July 2024" with 338.9 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "15 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 July 2024" with 50 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 333.42 | 330.1 | 8.8 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 333.42 | 2.36 | 0.0 | 0.0 | 335.78 | 50.0 | 50.0 | 0.0 | 285.78 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.58 | 0.0 | 0.0 | 1013.58 | 388.9 | 388.9 | 0.0 | 624.68 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
@TestRailId:C3843
Scenario: Merchant Issued Refund with interestRefundCalculation = true (Interest Refund transaction SHOULD be created)
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "10 July 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 July 2024" with 338.9 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "15 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 July 2024" with 50 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation true
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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 333.42 | 330.1 | 8.8 | 0.0 | 0.0 | 338.9 | 0.19 | 0.19 | 0.0 | 338.71 |
| 3 | 30 | 01 October 2024 | | 0.0 | 333.42 | 2.36 | 0.0 | 0.0 | 335.78 | 50.0 | 50.0 | 0.0 | 285.78 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.58 | 0.0 | 0.0 | 1013.58 | 389.09 | 389.09 | 0.0 | 624.49 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
| 15 July 2024 | Interest Refund | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 613.52 | false | false |
@TestRailId:C3844
Scenario: Merchant Issued Refund without interestRefundCalculation (should fallback to loan product config)
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "10 July 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 July 2024" with 338.9 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "15 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 July 2024" with 50 EUR transaction amount and system-generated Idempotency key
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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 333.42 | 330.1 | 8.8 | 0.0 | 0.0 | 338.9 | 0.19 | 0.19 | 0.0 | 338.71 |
| 3 | 30 | 01 October 2024 | | 0.0 | 333.42 | 2.36 | 0.0 | 0.0 | 335.78 | 50.0 | 50.0 | 0.0 | 285.78 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.58 | 0.0 | 0.0 | 1013.58 | 389.09 | 389.09 | 0.0 | 624.49 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
| 15 July 2024 | Interest Refund | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 613.52 | false | false |
@TestRailId:C3854
Scenario: Verify reversal of Merchant Issued Refund when interestRefundCalculation=false (no Interest Refund to reverse)
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "15 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 July 2024" with 50 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.2 | 330.8 | 8.1 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 335.46 | 333.74 | 5.16 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 335.46 | 2.38 | 0.0 | 0.0 | 337.84 | 50.0 | 50.0 | 0.0 | 287.84 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 15.64 | 0.0 | 0.0 | 1015.64 | 50.0 | 50.0 | 0.0 | 965.64 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 950.0 | false | false |
When Customer undo "1"th "Merchant Issued Refund" transaction made on "15 July 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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 950.0 | true | false |
@TestRailId:C3855
Scenario: Multiple refunds on same loan with different interestRefundCalculation settings
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "10 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "10 July 2024" with 30 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation true
And Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "10 July 2024" with 20 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.14 | 330.86 | 8.04 | 0.0 | 0.0 | 338.9 | 20.07 | 20.07 | 0.0 | 318.83 |
| 2 | 31 | 01 September 2024 | | 335.57 | 333.57 | 5.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 335.57 | 2.55 | 0.0 | 0.0 | 338.12 | 30.0 | 30.0 | 0.0 | 308.12 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 15.92 | 0.0 | 0.0 | 1015.92 | 50.07 | 50.07 | 0.0 | 965.85 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Merchant Issued Refund | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 | 970.0 | false | false |
| 10 July 2024 | Interest Refund | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 970.0 | false | false |
| 10 July 2024 | Payout Refund | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 950.0 | false | false |
@TestRailId:C3856
Scenario: Merchant Issued Refund on fully paid loan with interestRefundCalculation variations
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 1 | MONTHS | 1 | MONTHS | 1 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
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 |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 0.0 | 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 0.0 | 0.0 | 0.0 | 1008.33 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 0.0 | 0.0 | 0.0 | 1008.33 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "01 August 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "01 August 2024" with 1008.33 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 |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 01 August 2024 | 0.0 | 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 1008.33 | 0.0 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 1008.33 | 0.0 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 August 2024 | Repayment | 1008.33 | 1000.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
| 01 August 2024 | Accrual | 8.33 | 0.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
| 01 August 2024 | Accrual Activity | 8.33 | 0.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
When Loan status will be "CLOSED_OBLIGATIONS_MET"
When Admin sets the business date to "05 August 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "05 August 2024" with 10 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
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 |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 01 August 2024 | 0.0 | 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 1008.33 | 0.0 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 1008.33 | 0.0 | 0.0 | 0.0 |
#verify that "Interest Refund" transaction is not created
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 01 August 2024 | Repayment | 1008.33 | 1000.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
| 01 August 2024 | Accrual | 8.33 | 0.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
| 01 August 2024 | Accrual Activity | 8.33 | 0.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
| 05 August 2024 | Merchant Issued Refund | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"
@TestRailId:C3873
Scenario: Manual Interest Refund creation for Merchant Issued Refund with interestRefundCalculation = false
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "10 July 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 July 2024" with 338.9 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "15 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 July 2024" with 50 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 333.42 | 330.1 | 8.8 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 333.42 | 2.36 | 0.0 | 0.0 | 335.78 | 50.0 | 50.0 | 0.0 | 285.78 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.58 | 0.0 | 0.0 | 1013.58 | 388.9 | 388.9 | 0.0 | 624.68 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
When Admin manually adds Interest Refund for "MERCHANT_ISSUED_REFUND" transaction made on "15 July 2024" with 0.19 EUR interest refund amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 333.42 | 330.1 | 8.8 | 0.0 | 0.0 | 338.9 | 0.19 | 0.19 | 0.0 | 338.71 |
| 3 | 30 | 01 October 2024 | | 0.0 | 333.42 | 2.36 | 0.0 | 0.0 | 335.78 | 50.0 | 50.0 | 0.0 | 285.78 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.58 | 0.0 | 0.0 | 1013.58 | 389.09 | 389.09 | 0.0 | 624.49 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
| 15 July 2024 | Interest Refund | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 613.52 | false | false |
Then Loan Transactions tab has a "MERCHANT_ISSUED_REFUND" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 50.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
Then Loan Transactions tab has a "INTEREST_REFUND" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112603 | Interest/Fee Receivable | | 0.19 |
| INCOME | 404000 | Interest Income | 0.19 | |
@TestRailId:C3874
Scenario: Undo Merchant Issued Refund with manual Interest Refund, both transactions are reversed
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "10 July 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 July 2024" with 338.9 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "15 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 July 2024" with 50 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 333.42 | 330.1 | 8.8 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 333.42 | 2.36 | 0.0 | 0.0 | 335.78 | 50.0 | 50.0 | 0.0 | 285.78 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.58 | 0.0 | 0.0 | 1013.58 | 388.9 | 388.9 | 0.0 | 624.68 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
When Admin manually adds Interest Refund for "MERCHANT_ISSUED_REFUND" transaction made on "15 July 2024" with 0.19 EUR interest refund amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 333.42 | 330.1 | 8.8 | 0.0 | 0.0 | 338.9 | 0.19 | 0.19 | 0.0 | 338.71 |
| 3 | 30 | 01 October 2024 | | 0.0 | 333.42 | 2.36 | 0.0 | 0.0 | 335.78 | 50.0 | 50.0 | 0.0 | 285.78 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.58 | 0.0 | 0.0 | 1013.58 | 389.09 | 389.09 | 0.0 | 624.49 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
| 15 July 2024 | Interest Refund | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 613.52 | false | false |
Then Loan Transactions tab has a "MERCHANT_ISSUED_REFUND" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 50.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
Then Loan Transactions tab has a "INTEREST_REFUND" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112603 | Interest/Fee Receivable | | 0.19 |
| INCOME | 404000 | Interest Income | 0.19 | |
When Customer undo "1"th transaction made on "15 July 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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 334.07 | 329.45 | 9.45 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 334.07 | 2.78 | 0.0 | 0.0 | 336.85 | 0.0 | 0.0 | 0.0 | 336.85 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 14.65 | 0.0 | 0.0 | 1014.65 | 338.9 | 338.9 | 0.0 | 675.75 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | true | false |
| 15 July 2024 | Interest Refund | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 613.52 | true | false |
Then Loan Transactions tab has a "MERCHANT_ISSUED_REFUND" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112601 | Loans Receivable | | 50.0 |
| LIABILITY | 145023 | Suspense/Clearing account | 50.0 | |
| ASSET | 112601 | Loans Receivable | 50.0 | |
| LIABILITY | 145023 | Suspense/Clearing account | | 50.0 |
Then Loan Transactions tab has a "INTEREST_REFUND" transaction with date "15 July 2024" which has the following Journal entries:
| Type | Account code | Account name | Debit | Credit |
| ASSET | 112603 | Interest/Fee Receivable | | 0.19 |
| INCOME | 404000 | Interest Income | 0.19 | |
| ASSET | 112603 | Interest/Fee Receivable | 0.19 | |
| INCOME | 404000 | Interest Income | | 0.19 |
@TestRailId:C3875
Scenario: Prevent manual Interest Refund creation if interestRefundCalculation = true and Interest Refund already exists
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | | 669.43 | 330.57 | 8.33 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 2 | 31 | 01 September 2024 | | 336.11 | 333.32 | 5.58 | 0.0 | 0.0 | 338.9 | 0.0 | 0.0 | 0.0 | 338.9 |
| 3 | 30 | 01 October 2024 | | 0.0 | 336.11 | 2.8 | 0.0 | 0.0 | 338.91 | 0.0 | 0.0 | 0.0 | 338.91 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
When Admin sets the business date to "10 July 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 July 2024" with 338.9 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "15 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 July 2024" with 50 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation true
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 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 August 2024 | 10 July 2024 | 663.52 | 336.48 | 2.42 | 0.0 | 0.0 | 338.9 | 338.9 | 338.9 | 0.0 | 0.0 |
| 2 | 31 | 01 September 2024 | | 333.42 | 330.1 | 8.8 | 0.0 | 0.0 | 338.9 | 0.19 | 0.19 | 0.0 | 338.71 |
| 3 | 30 | 01 October 2024 | | 0.0 | 333.42 | 2.36 | 0.0 | 0.0 | 335.78 | 50.0 | 50.0 | 0.0 | 285.78 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 1000.0 | 13.58 | 0.0 | 0.0 | 1013.58 | 389.09 | 389.09 | 0.0 | 624.49 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
| 15 July 2024 | Interest Refund | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 613.52 | false | false |
When Admin fails to add duplicate Interest Refund for "MERCHANT_ISSUED_REFUND" transaction made on "15 July 2024" with 0.19 EUR interest refund amount
@TestRailId:C3880
Scenario: Prevent manual Interest Refund creation with mismatched transaction date for Merchant Issued Refund
When Admin sets the business date to "01 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 July 2024 | 1000 | 10 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
When Admin sets the business date to "10 July 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "10 July 2024" with 338.9 EUR transaction amount and system-generated Idempotency key
When Admin sets the business date to "15 July 2024"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "15 July 2024" with 50 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
When Admin sets the business date to "16 July 2024"
#mismatch date for Interest Refund
When Admin manually adds Interest Refund for "MERCHANT_ISSUED_REFUND" transaction made on invalid date "16 July 2024" with 2.42 EUR interest refund amount
@TestRailId:C4127
Scenario: High interest rate in advance paid Repayment + Merchant Issued Refund
When Admin sets the business date to "10 July 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10 July 2025 | 1000 | 24.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "10 July 2025" with "1000" amount and expected disbursement date on "10 July 2025"
And Admin successfully disburse the loan on "10 July 2025" with "733.56" EUR transaction amount
When Admin sets the business date to "29 July 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "29 July 2025" with 540.0 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 |
| | | 10 July 2025 | | 733.56 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 10 August 2025 | 29 July 2025 | 703.77 | 29.79 | 9.36 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 2 | 31 | 10 September 2025 | 29 July 2025 | 664.62 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 3 | 30 | 10 October 2025 | 29 July 2025 | 625.47 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 4 | 31 | 10 November 2025 | 29 July 2025 | 586.32 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 5 | 30 | 10 December 2025 | 29 July 2025 | 547.17 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 6 | 31 | 10 January 2026 | 29 July 2025 | 508.02 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 7 | 31 | 10 February 2026 | 29 July 2025 | 468.87 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 8 | 28 | 10 March 2026 | 29 July 2025 | 429.72 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 9 | 31 | 10 April 2026 | 29 July 2025 | 390.57 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 10 | 30 | 10 May 2026 | 29 July 2025 | 351.42 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 11 | 31 | 10 June 2026 | 29 July 2025 | 312.27 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 12 | 30 | 10 July 2026 | 29 July 2025 | 273.12 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 13 | 31 | 10 August 2026 | 29 July 2025 | 233.97 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 14 | 31 | 10 September 2026 | | 194.82 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 31.05 | 31.05 | 0.0 | 8.1 |
| 15 | 30 | 10 October 2026 | | 194.82 | 0.0 | 39.15 | 0.0 | 0.0 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 |
| 16 | 31 | 10 November 2026 | | 181.27 | 13.55 | 25.6 | 0.0 | 0.0 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 |
| 17 | 30 | 10 December 2026 | | 145.89 | 35.38 | 3.77 | 0.0 | 0.0 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 |
| 18 | 31 | 10 January 2027 | | 109.78 | 36.11 | 3.04 | 0.0 | 0.0 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 |
| 19 | 31 | 10 February 2027 | | 72.92 | 36.86 | 2.29 | 0.0 | 0.0 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 |
| 20 | 28 | 10 March 2027 | | 35.29 | 37.63 | 1.52 | 0.0 | 0.0 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 |
| 21 | 31 | 10 April 2027 | | 0.0 | 35.29 | 0.73 | 0.0 | 0.0 | 36.02 | 0.0 | 0.0 | 0.0 | 36.02 |
| 22 | 30 | 10 May 2027 | 29 July 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 23 | 31 | 10 June 2027 | 29 July 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 24 | 30 | 10 July 2027 | 29 July 2025 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 733.56 | 85.46 | 0.0 | 0.0 | 819.02 | 540.0 | 540.0 | 0.0 | 279.02 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 July 2025 | Disbursement | 733.56 | 0.0 | 0.0 | 0.0 | 0.0 | 733.56 | false | false |
| 29 July 2025 | Repayment | 540.0 | 530.64 | 9.36 | 0.0 | 0.0 | 202.92 | false | false |
When Admin sets the business date to "02 October 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "02 October 2025" with 635.23 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation true
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 |
| | | 10 July 2025 | | 733.56 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 10 August 2025 | 29 July 2025 | 703.77 | 29.79 | 9.36 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 2 | 31 | 10 September 2025 | 29 July 2025 | 664.62 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 3 | 30 | 10 October 2025 | 29 July 2025 | 625.47 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 4 | 31 | 10 November 2025 | 29 July 2025 | 586.32 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 5 | 30 | 10 December 2025 | 29 July 2025 | 547.17 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 6 | 31 | 10 January 2026 | 29 July 2025 | 508.02 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 7 | 31 | 10 February 2026 | 29 July 2025 | 468.87 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 8 | 28 | 10 March 2026 | 29 July 2025 | 429.72 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 9 | 31 | 10 April 2026 | 29 July 2025 | 390.57 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 10 | 30 | 10 May 2026 | 29 July 2025 | 351.42 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 11 | 31 | 10 June 2026 | 29 July 2025 | 312.27 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 12 | 30 | 10 July 2026 | 29 July 2025 | 273.12 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 13 | 31 | 10 August 2026 | 29 July 2025 | 233.97 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 14 | 31 | 10 September 2026 | 02 October 2025 | 202.92 | 31.05 | 0.0 | 0.0 | 0.0 | 31.05 | 31.05 | 31.05 | 0.0 | 0.0 |
| 15 | 30 | 10 October 2026 | 02 October 2025 | 202.92 | 0.0 | 8.97 | 0.0 | 0.0 | 8.97 | 8.97 | 8.97 | 0.0 | 0.0 |
| 16 | 31 | 10 November 2026 | 02 October 2025 | 202.92 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 17 | 30 | 10 December 2026 | 02 October 2025 | 202.92 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 18 | 31 | 10 January 2027 | 02 October 2025 | 202.92 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 19 | 31 | 10 February 2027 | 02 October 2025 | 195.75 | 7.17 | 0.0 | 0.0 | 0.0 | 7.17 | 7.17 | 7.17 | 0.0 | 0.0 |
| 20 | 28 | 10 March 2027 | 02 October 2025 | 156.6 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 21 | 31 | 10 April 2027 | 02 October 2025 | 117.45 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 22 | 30 | 10 May 2027 | 02 October 2025 | 78.3 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 23 | 31 | 10 June 2027 | 02 October 2025 | 39.15 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
| 24 | 30 | 10 July 2027 | 02 October 2025 | 0.0 | 39.15 | 0.0 | 0.0 | 0.0 | 39.15 | 39.15 | 39.15 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 733.56 | 18.33 | 0.0 | 0.0 | 751.89 | 751.89 | 751.89 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 10 July 2025 | Disbursement | 733.56 | 0.0 | 0.0 | 0.0 | 0.0 | 733.56 | false | false |
| 29 July 2025 | Repayment | 540.0 | 530.64 | 9.36 | 0.0 | 0.0 | 202.92 | false | false |
| 10 August 2025 | Accrual Activity | 9.36 | 0.0 | 9.36 | 0.0 | 0.0 | 0.0 | false | false |
| 02 October 2025 | Merchant Issued Refund | 635.23 | 202.92 | 8.97 | 0.0 | 0.0 | 0.0 | false | false |
| 02 October 2025 | Interest Refund | 17.07 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 02 October 2025 | Accrual | 18.33 | 0.0 | 18.33 | 0.0 | 0.0 | 0.0 | false | false |
| 02 October 2025 | Accrual Activity | 8.97 | 0.0 | 8.97 | 0.0 | 0.0 | 0.0 | false | false |
@TestRailId:C4355
Scenario: Verify manual Interest Refund is recalculated during reprocessing even if no prior transaction was reverse-replayed
When Admin sets the business date to "01 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_PMT_ALLOC_ACTUAL_ACTUAL_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 01 January 2025 | 100 | 26 | 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 2025" with "100" amount and expected disbursement date on "01 January 2025"
And Admin successfully disburse the loan on "01 January 2025" with "100" EUR transaction amount
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
# MIR with interestRefundCalculation=false (no auto Interest Refund)
When Admin sets the business date to "01 February 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "01 February 2025" with 66.41 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2025 | Merchant Issued Refund | 66.41 | 64.2 | 2.21 | 0.0 | 0.0 | 35.8 | false | false |
# Manually create Interest Refund with arbitrary amount (0.47 EUR)
When Admin manually adds Interest Refund for "MERCHANT_ISSUED_REFUND" transaction made on "01 February 2025" with 0.47 EUR interest refund amount
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2025 | Merchant Issued Refund | 66.41 | 64.2 | 2.21 | 0.0 | 0.0 | 35.8 | false | false |
| 01 February 2025 | Interest Refund | 0.47 | 0.47 | 0.0 | 0.0 | 0.0 | 35.33 | false | false |
# Backdated repayment on 20 January (before MIR) - triggers replay of MIR
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "20 January 2025" with 17.94 EUR transaction amount and system-generated Idempotency key
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 20 January 2025 | Repayment | 17.94 | 16.59 | 1.35 | 0.0 | 0.0 | 83.41 | false | false |
| 01 February 2025 | Merchant Issued Refund | 66.41 | 66.41 | 0.0 | 0.0 | 0.0 | 17.0 | false | true |
| 01 February 2025 | Interest Refund | 1.48 | 1.48 | 0.0 | 0.0 | 0.0 | 15.52 | false | true |
# Step 4: Make another repayment on 25 January (also before MIR)
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "25 January 2025" with 10.94 EUR transaction amount and system-generated Idempotency key
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 20 January 2025 | Repayment | 17.94 | 16.59 | 1.35 | 0.0 | 0.0 | 83.41 | false | false |
| 25 January 2025 | Repayment | 10.94 | 10.94 | 0.0 | 0.0 | 0.0 | 72.47 | false | false |
| 01 February 2025 | Merchant Issued Refund | 66.41 | 66.41 | 0.0 | 0.0 | 0.0 | 6.06 | false | true |
| 01 February 2025 | Interest Refund | 1.47 | 1.47 | 0.0 | 0.0 | 0.0 | 4.59 | false | true |
# Step 5: Reverse the 1st repayment (20 Jan) - this triggers full transaction reprocessing
# Key expectation: Interest Refund should be RECALCULATED even though MIR wasn't modified
# Before fix: Interest Refund kept 1.47 because no txn before it was changed
# After fix: Interest Refund recalculated to correct value
When Customer undo "1"th "Repayment" transaction made on "20 January 2025"
Then Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2025 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 20 January 2025 | Repayment | 17.94 | 16.59 | 1.35 | 0.0 | 0.0 | 83.41 | true | false |
| 25 January 2025 | Repayment | 10.94 | 10.94 | 0.0 | 0.0 | 0.0 | 89.06 | false | false |
| 01 February 2025 | Merchant Issued Refund | 66.41 | 64.26 | 2.15 | 0.0 | 0.0 | 24.8 | false | true |
| 01 February 2025 | Interest Refund | 1.46 | 1.46 | 0.0 | 0.0 | 0.0 | 23.34 | false | true |
#following steps will fail if Interest Refund is not recalculated properly
Then Loan has 23.97 outstanding amount
@TestRailId:C4570
Scenario: Verify MIR and CBR with adjust interest afterwards outcomes with improper allocations on account - UC1
When Admin sets the business date to "24 September 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 24 September 2024 | 116.89 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "24 September 2024" with "116.89" amount and expected disbursement date on "24 September 2024"
And Admin successfully disburse the loan on "24 September 2024" with "116.89" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | | 79.08 | 37.81 | 3.51 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 2 | 31 | 24 November 2024 | | 40.13 | 38.95 | 2.37 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 3 | 30 | 24 December 2024 | | 0.0 | 40.13 | 1.2 | 0.0 | 0.0 | 41.33 | 0.0 | 0.0 | 0.0 | 41.33 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 7.08 | 0.0 | 0.0 | 123.97 | 0.0 | 0.0 | 0.0 | 123.97 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
# --- repayment transaction --- #
When Admin sets the business date to "26 September 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "26 September 2024" with 117.12 EUR transaction amount and system-generated Idempotency key
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
# --- Merchant Issue Refund transaction --- #
When Admin sets the business date to "06 October 2024"
Then Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "06 October 2024" with 8.13 EUR transaction amount and system-generated Idempotency key
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 8.14 overpaid amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Merchant Issued Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- Credit Balance Refund transaction --- #
When Admin sets the business date to "07 October 2024"
And Admin makes Credit Balance Refund transaction on "07 October 2024" with 8.14 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Merchant Issued Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- loan reschedule with new interest rate --- #
When Admin sets the business date to "30 October 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 25 September 2024 | 30 October 2024 | | | | | 25.99 |
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 0.06 overpaid amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 76.4 | 40.49 | 0.17 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 35.74 | 40.66 | 0.0 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 35.74 | 0.0 | 0.0 | 0.0 | 35.74 | 35.74 | 35.74 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.17 | 0.0 | 0.0 | 117.06 | 117.06 | 117.06 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 26 September 2024 | Accrual Activity | 0.17 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 06 October 2024 | Merchant Issued Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 30 October 2024 | Accrual Adjustment | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
And Admin makes Credit Balance Refund transaction on "30 October 2024" with 0.06 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4541
Scenario: Verify PR and CBR with adjust interest afterwards outcomes with improper allocations on account - UC2
When Admin sets the business date to "24 September 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 24 September 2024 | 116.89 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "24 September 2024" with "116.89" amount and expected disbursement date on "24 September 2024"
And Admin successfully disburse the loan on "24 September 2024" with "116.89" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | | 79.08 | 37.81 | 3.51 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 2 | 31 | 24 November 2024 | | 40.13 | 38.95 | 2.37 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 3 | 30 | 24 December 2024 | | 0.0 | 40.13 | 1.2 | 0.0 | 0.0 | 41.33 | 0.0 | 0.0 | 0.0 | 41.33 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 7.08 | 0.0 | 0.0 | 123.97 | 0.0 | 0.0 | 0.0 | 123.97 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
# --- repayment transaction --- #
When Admin sets the business date to "26 September 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "26 September 2024" with 117.12 EUR transaction amount and system-generated Idempotency key
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
# --- Merchant Issue Refund transaction --- #
When Admin sets the business date to "06 October 2024"
When Customer makes "PAYOUT_REFUND" transaction with "AUTOPAY" payment type on "06 October 2024" with 8.13 EUR transaction amount and system-generated Idempotency key
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 8.14 overpaid amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Payout Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- Credit Balance Refund transaction --- #
When Admin sets the business date to "07 October 2024"
And Admin makes Credit Balance Refund transaction on "07 October 2024" with 8.14 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Payout Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- loan reschedule with new interest rate --- #
When Admin sets the business date to "30 October 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 25 September 2024 | 30 October 2024 | | | | | 25.99 |
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 0.06 overpaid amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 76.4 | 40.49 | 0.17 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 35.74 | 40.66 | 0.0 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 35.74 | 0.0 | 0.0 | 0.0 | 35.74 | 35.74 | 35.74 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.17 | 0.0 | 0.0 | 117.06 | 117.06 | 117.06 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 26 September 2024 | Accrual Activity | 0.17 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 06 October 2024 | Payout Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Interest Refund | 0.01 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.14 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 30 October 2024 | Accrual Adjustment | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
And Admin makes Credit Balance Refund transaction on "30 October 2024" with 0.06 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4571
Scenario: Verify Goodwill Credit and CBR with adjust interest afterwards outcomes with improper allocations on account - UC3
When Admin sets the business date to "24 September 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_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 24 September 2024 | 116.89 | 35.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 3 | MONTHS | 1 | MONTHS | 3 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "24 September 2024" with "116.89" amount and expected disbursement date on "24 September 2024"
And Admin successfully disburse the loan on "24 September 2024" with "116.89" EUR transaction amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | | 79.08 | 37.81 | 3.51 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 2 | 31 | 24 November 2024 | | 40.13 | 38.95 | 2.37 | 0.0 | 0.0 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 |
| 3 | 30 | 24 December 2024 | | 0.0 | 40.13 | 1.2 | 0.0 | 0.0 | 41.33 | 0.0 | 0.0 | 0.0 | 41.33 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 7.08 | 0.0 | 0.0 | 123.97 | 0.0 | 0.0 | 0.0 | 123.97 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
# --- repayment transaction --- #
When Admin sets the business date to "26 September 2024"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "26 September 2024" with 117.12 EUR transaction amount and system-generated Idempotency key
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
# --- Merchant Issue Refund transaction --- #
When Admin sets the business date to "06 October 2024"
When Admin makes "GOODWILL_CREDIT" transaction with "AUTOPAY" payment type on "06 October 2024" with 8.13 EUR transaction amount
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 8.13 overpaid amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Goodwill Credit | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- Credit Balance Refund transaction --- #
When Admin sets the business date to "07 October 2024"
And Admin makes Credit Balance Refund transaction on "07 October 2024" with 8.13 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
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 |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 75.8 | 41.09 | 0.23 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 34.48 | 41.32 | 0.0 | 0.0 | 0.0 | 41.32 | 41.32 | 41.32 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 34.48 | 0.0 | 0.0 | 0.0 | 34.48 | 34.48 | 34.48 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.23 | 0.0 | 0.0 | 117.12 | 117.12 | 117.12 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Accrual Activity | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 06 October 2024 | Goodwill Credit | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
# --- loan reschedule with new interest rate --- #
When Admin sets the business date to "30 October 2024"
When Admin creates and approves Loan reschedule with the following data:
| rescheduleFromDate | submittedOnDate | adjustedDueDate | graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
| 25 September 2024 | 30 October 2024 | | | | | 25.99 |
Then Loan has 0 outstanding amount
Then Loan status will be "OVERPAID"
Then Loan has 0.06 overpaid amount
Then Loan Repayment schedule has 3 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 24 September 2024 | | 116.89 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 30 | 24 October 2024 | 26 September 2024 | 76.4 | 40.49 | 0.17 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 2 | 31 | 24 November 2024 | 26 September 2024 | 35.74 | 40.66 | 0.0 | 0.0 | 0.0 | 40.66 | 40.66 | 40.66 | 0.0 | 0.0 |
| 3 | 30 | 24 December 2024 | 26 September 2024 | 0.0 | 35.74 | 0.0 | 0.0 | 0.0 | 35.74 | 35.74 | 35.74 | 0.0 | 0.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 116.89 | 0.17 | 0.0 | 0.0 | 117.06 | 117.06 | 117.06 | 0.0 | 0.0 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 24 September 2024 | Disbursement | 116.89 | 0.0 | 0.0 | 0.0 | 0.0 | 116.89 | false | false |
| 26 September 2024 | Accrual | 0.23 | 0.0 | 0.23 | 0.0 | 0.0 | 0.0 | false | false |
| 26 September 2024 | Repayment | 117.12 | 116.89 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 26 September 2024 | Accrual Activity | 0.17 | 0.0 | 0.17 | 0.0 | 0.0 | 0.0 | false | true |
| 06 October 2024 | Goodwill Credit | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 07 October 2024 | Credit Balance Refund | 8.13 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 30 October 2024 | Accrual Adjustment | 0.06 | 0.0 | 0.06 | 0.0 | 0.0 | 0.0 | false | false |
And Admin makes Credit Balance Refund transaction on "30 October 2024" with 0.06 EUR transaction amount
Then Loan is closed with zero outstanding balance and it's all installments have obligations met
@TestRailId:C4542
Scenario: Verify adding manual Interest Refund on closed loan with multiple tranches
When Admin sets the business date to "07 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_INT_DAILY_EMI_ACTUAL_ACTUAL_INT_REFUND_FULL_ZERO_INT_CHARGE_OFF_ACCRUAL_ACTIVITY | 07 March 2025 | 915.88 | 24.99 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS | 1 | MONTHS | 24 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "07 March 2025" with "915.88" amount and expected disbursement date on "07 March 2025"
When Admin sets the business date to "11 March 2025"
And Admin successfully disburse the loan on "11 March 2025" with "228.97" EUR transaction amount
And Admin successfully disburse the loan on "11 March 2025" with "228.97" EUR transaction amount
And Admin successfully disburse the loan on "11 March 2025" with "228.97" EUR transaction amount
And Admin successfully disburse the loan on "11 March 2025" with "228.97" EUR transaction amount
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 1: 04 April 2025 ==========
When Admin sets the business date to "04 April 2025"
#And Admin runs inline COB job for Loan
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "04 April 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 2: 02 May 2025 ==========
When Admin sets the business date to "02 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "02 May 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 3: 30 May 2025 ==========
When Admin sets the business date to "30 May 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "30 May 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 4: 27 June 2025 ==========
When Admin sets the business date to "27 June 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "27 June 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 5: 08 August 2025 ==========
When Admin sets the business date to "08 August 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "08 August 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 6: 05 September 2025 ==========
When Admin sets the business date to "05 September 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "05 September 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
| 05 September 2025 | Repayment | 48.91 | 34.38 | 14.53 | 0.0 | 0.0 | 723.42 | false | false |
Then Loan status will be "ACTIVE"
# ========== REPAYMENT 7: 03 October 2025 ==========
When Admin sets the business date to "03 October 2025"
And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "03 October 2025" with 48.91 EUR transaction amount and system-generated Idempotency key
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
| 05 September 2025 | Repayment | 48.91 | 34.38 | 14.53 | 0.0 | 0.0 | 723.42 | false | false |
| 03 October 2025 | Repayment | 48.91 | 35.04 | 13.87 | 0.0 | 0.0 | 688.38 | false | false |
Then Loan status will be "ACTIVE"
# ========== 4 MERCHANT ISSUED REFUNDS: 08 October 2025 ==========
When Admin sets the business date to "08 October 2025"
When Admin sets the business date to "09 October 2025"
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 October 2025" with 228.97 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 October 2025" with 228.97 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 October 2025" with 228.97 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
And Customer makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY" payment type on "08 October 2025" with 228.97 EUR transaction amount and system-generated Idempotency key and interestRefundCalculation false
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 11 April 2025 | Accrual Activity | 15.05 | 0.0 | 15.05 | 0.0 | 0.0 | 0.0 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 11 May 2025 | Accrual Activity | 16.91 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 11 June 2025 | Accrual Activity | 16.3 | 0.0 | 16.3 | 0.0 | 0.0 | 0.0 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 11 July 2025 | Accrual Activity | 15.66 | 0.0 | 15.66 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
| 11 August 2025 | Accrual Activity | 22.55 | 0.0 | 22.55 | 0.0 | 0.0 | 0.0 | false | false |
| 05 September 2025 | Repayment | 48.91 | 34.38 | 14.53 | 0.0 | 0.0 | 723.42 | false | false |
| 11 September 2025 | Accrual Activity | 14.53 | 0.0 | 14.53 | 0.0 | 0.0 | 0.0 | false | false |
| 03 October 2025 | Repayment | 48.91 | 35.04 | 13.87 | 0.0 | 0.0 | 688.38 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 226.62 | 2.35 | 0.0 | 0.0 | 461.76 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 228.97 | 0.0 | 0.0 | 0.0 | 232.79 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 228.97 | 0.0 | 0.0 | 0.0 | 3.82 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 3.82 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 08 October 2025 | Accrual Activity | 16.22 | 0.0 | 16.22 | 0.0 | 0.0 | 0.0 | false | false |
| 09 October 2025 | Accrual | 117.22 | 0.0 | 117.22 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "OVERPAID"
# ========== CREDIT BALANCE REFUND TO CLOSE LOAN: 09 October 2025 ==========
When Admin sets the business date to "09 October 2025"
And Admin runs inline COB job for Loan
And Admin makes Credit Balance Refund transaction on "09 October 2025" with 225.15 EUR transaction amount
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 | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 228.97 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 457.94 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 686.91 | false | false |
| 11 March 2025 | Disbursement | 228.97 | 0.0 | 0.0 | 0.0 | 0.0 | 915.88 | false | false |
| 04 April 2025 | Repayment | 48.91 | 33.86 | 15.05 | 0.0 | 0.0 | 882.02 | false | false |
| 11 April 2025 | Accrual Activity | 15.05 | 0.0 | 15.05 | 0.0 | 0.0 | 0.0 | false | false |
| 02 May 2025 | Repayment | 48.91 | 32.0 | 16.91 | 0.0 | 0.0 | 850.02 | false | false |
| 11 May 2025 | Accrual Activity | 16.91 | 0.0 | 16.91 | 0.0 | 0.0 | 0.0 | false | false |
| 30 May 2025 | Repayment | 48.91 | 32.61 | 16.3 | 0.0 | 0.0 | 817.41 | false | false |
| 11 June 2025 | Accrual Activity | 16.3 | 0.0 | 16.3 | 0.0 | 0.0 | 0.0 | false | false |
| 27 June 2025 | Repayment | 48.91 | 33.25 | 15.66 | 0.0 | 0.0 | 784.16 | false | false |
| 11 July 2025 | Accrual Activity | 15.66 | 0.0 | 15.66 | 0.0 | 0.0 | 0.0 | false | false |
| 08 August 2025 | Repayment | 48.91 | 26.36 | 22.55 | 0.0 | 0.0 | 757.8 | false | false |
| 11 August 2025 | Accrual Activity | 22.55 | 0.0 | 22.55 | 0.0 | 0.0 | 0.0 | false | false |
| 05 September 2025 | Repayment | 48.91 | 34.38 | 14.53 | 0.0 | 0.0 | 723.42 | false | false |
| 11 September 2025 | Accrual Activity | 14.53 | 0.0 | 14.53 | 0.0 | 0.0 | 0.0 | false | false |
| 03 October 2025 | Repayment | 48.91 | 35.04 | 13.87 | 0.0 | 0.0 | 688.38 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 226.62 | 2.35 | 0.0 | 0.0 | 461.76 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 228.97 | 0.0 | 0.0 | 0.0 | 232.79 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 228.97 | 0.0 | 0.0 | 0.0 | 3.82 | false | false |
| 08 October 2025 | Merchant Issued Refund | 228.97 | 3.82 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
| 08 October 2025 | Accrual Activity | 16.22 | 0.0 | 16.22 | 0.0 | 0.0 | 0.0 | false | false |
| 09 October 2025 | Accrual | 117.22 | 0.0 | 117.22 | 0.0 | 0.0 | 0.0 | false | false |
| 09 October 2025 | Credit Balance Refund | 225.15 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
Then Loan status will be "CLOSED_OBLIGATIONS_MET"
# ========== MANUAL INTEREST REFUNDS ON CLOSED LOAN ==========
When Admin manually adds Interest Refund for "1"th "MERCHANT_ISSUED_REFUND" transaction made on "08 October 2025" with 0.01 EUR interest refund amount
When Admin manually adds Interest Refund for "2"th "MERCHANT_ISSUED_REFUND" transaction made on "08 October 2025" with 0.01 EUR interest refund amount
When Admin manually adds Interest Refund for "3"th "MERCHANT_ISSUED_REFUND" transaction made on "08 October 2025" with 0.01 EUR interest refund amount
When Admin manually adds Interest Refund for "4"th "MERCHANT_ISSUED_REFUND" transaction made on "08 October 2025" with 0.01 EUR interest refund amount
Then Loan status will be "OVERPAID"