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FINERACT-2325: added e2e tests covering edge cases for disable automatic Interest Refund calculation feature
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‎fineract-e2e-tests-runner/src/test/resources/features/LoanMerchantIssuedRefund.feature‎

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@@ -189,3 +189,148 @@ Feature: MerchantIssuedRefund
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| 10 July 2024 | Repayment | 338.9 | 336.48 | 2.42 | 0.0 | 0.0 | 663.52 | false | false |
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| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 613.52 | false | false |
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| 15 July 2024 | Interest Refund | 0.19 | 0.0 | 0.19 | 0.0 | 0.0 | 613.52 | false | false |
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@TestRailId:C3854
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Scenario: Verify reversal of Merchant Issued Refund when interestRefundCalculation=false (no Interest Refund to reverse)
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When Admin sets the business date to "01 July 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_ADV_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 |
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And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
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And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 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 |
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| 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 |
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| 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 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
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When Admin sets the business date to "15 July 2024"
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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
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 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 |
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| 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 |
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| 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 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 15.64 | 0.0 | 0.0 | 1015.64 | 50.0 | 50.0 | 0.0 | 965.64 |
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
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| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 950.0 | false | false |
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When Customer undo "1"th "Merchant Issued Refund" transaction made on "15 July 2024"
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 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 |
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| 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 |
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| 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 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
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| 15 July 2024 | Merchant Issued Refund | 50.0 | 50.0 | 0.0 | 0.0 | 0.0 | 950.0 | true | false |
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@TestRailId:C3855
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Scenario: Multiple refunds on same loan with different interestRefundCalculation settings
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When Admin sets the business date to "01 July 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_ADV_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 |
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And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
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And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 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 |
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| 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 |
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| 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 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 16.71 | 0.0 | 0.0 | 1016.71 | 0.0 | 0.0 | 0.0 | 1016.71 |
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
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When Admin sets the business date to "10 July 2024"
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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
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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
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Then Loan Repayment schedule has 3 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 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 |
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| 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 |
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| 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 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 15.92 | 0.0 | 0.0 | 1015.92 | 50.07 | 50.07 | 0.0 | 965.85 |
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
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| 10 July 2024 | Merchant Issued Refund | 30.0 | 30.0 | 0.0 | 0.0 | 0.0 | 970.0 | false | false |
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| 10 July 2024 | Interest Refund | 0.07 | 0.0 | 0.07 | 0.0 | 0.0 | 970.0 | false | false |
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| 10 July 2024 | Payout Refund | 20.0 | 20.0 | 0.0 | 0.0 | 0.0 | 950.0 | false | false |
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@TestRailId:C3856
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Scenario: Merchant Issued Refund on fully paid loan with interestRefundCalculation variations
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When Admin sets the business date to "01 July 2024"
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And Admin creates a client with random data
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And Admin creates a fully customized loan with the following data:
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| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
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| LP2_ADV_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 |
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And Admin successfully approves the loan on "01 July 2024" with "1000" amount and expected disbursement date on "01 July 2024"
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And Admin successfully disburse the loan on "01 July 2024" with "1000" EUR transaction amount
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Then Loan Repayment schedule has 1 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 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 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 0.0 | 0.0 | 0.0 | 1008.33 |
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
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When Admin sets the business date to "01 August 2024"
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And Customer makes "REPAYMENT" transaction with "AUTOPAY" payment type on "01 August 2024" with 1008.33 EUR transaction amount and system-generated Idempotency key
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Then Loan Repayment schedule has 1 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 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 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 1008.33 | 0.0 | 0.0 | 0.0 |
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
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| 01 August 2024 | Repayment | 1008.33 | 1000.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
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| 01 August 2024 | Accrual | 8.33 | 0.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
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| 01 August 2024 | Accrual Activity | 8.33 | 0.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
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When Loan status will be "CLOSED_OBLIGATIONS_MET"
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When Admin sets the business date to "05 August 2024"
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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
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Then Loan Repayment schedule has 1 periods, with the following data for periods:
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| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| | | 01 July 2024 | | 1000.0 | | | 0.0 | | 0.0 | 0.0 | | | |
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| 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 |
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And Loan Repayment schedule has the following data in Total row:
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| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
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| 1000.0 | 8.33 | 0.0 | 0.0 | 1008.33 | 1008.33 | 0.0 | 0.0 | 0.0 |
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#verify that "Interest Refund" transaction is not created
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And Loan Transactions tab has the following data:
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| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
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| 01 July 2024 | Disbursement | 1000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1000.0 | false | false |
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| 01 August 2024 | Repayment | 1008.33 | 1000.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
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| 01 August 2024 | Accrual | 8.33 | 0.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
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| 01 August 2024 | Accrual Activity | 8.33 | 0.0 | 8.33 | 0.0 | 0.0 | 0.0 | false | false |
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| 05 August 2024 | Merchant Issued Refund | 10.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | false | false |
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Then Loan status will be "OVERPAID"

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