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FINERACT-2455: verify delinquency pause works as expected #6269

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FINERACT-2455: verify delinquency pause works as expected
budaidev Aug 13, 2026
761ccca
FINERACT-2455: e2e test scenarios for delinquency pause overlap
MarianaDmytrivBinariks Aug 20, 2026
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98 changes: 98 additions & 0 deletions fineract-e2e-tests-runner/src/test/resources/features/WorkingCapitalDelinquencyPause.feature
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Original file line number Diff line number Diff line change
Expand Up @@ -28,6 +28,7 @@ Feature: Working Capital Delinquency Pause
And Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-02-14 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "01 January 2026"

@TestRailId:C74481
Scenario: Verify working capital loan delinquency pause - UC2: delinquency pause in the middle of first period
Expand Down Expand Up @@ -60,6 +61,7 @@ Feature: Working Capital Delinquency Pause
And Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-02-10 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "15 January 2026"

@TestRailId:C74482
Scenario: Verify working capital loan delinquency pause - UC3: backdated delinquency pause, whole pause period before actual business date
Expand Down Expand Up @@ -92,6 +94,7 @@ Feature: Working Capital Delinquency Pause
And Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-02-14 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "15 January 2026"

@TestRailId:C74483
Scenario: Verify working capital loan delinquency pause - UC4: backdated delinquency pause, pause period is overlapping actual business date
Expand Down Expand Up @@ -124,6 +127,7 @@ Feature: Working Capital Delinquency Pause
And Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-02-24 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "15 January 2026"

@TestRailId:C74484
Scenario: Verify working capital loan delinquency pause - UC5: delinquency pause in the middle of second period
Expand Down Expand Up @@ -157,6 +161,7 @@ Feature: Working Capital Delinquency Pause
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-01-30 | 270.0 | 0.0 | 270.0 | false | 270.0 | 16 |
| 2 | 2026-01-31 | 2026-03-12 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "15 February 2026"

@TestRailId:C74485
Scenario: Verify working capital loan delinquency pause - UC6: delinquency pause in the middle of first period with pause overlapping to second period
Expand Down Expand Up @@ -200,6 +205,90 @@ Feature: Working Capital Delinquency Pause
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-03-13 | 270.0 | 0.0 | 270.0 | false | 270.0 | 2 |
| 2 | 2026-03-14 | 2026-04-12 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "25 February 2026"

@TestRailId:C98197
Scenario: Verify working capital loan delinquency pause - UC6.3: second future-dated pause overlapping an existing future-dated pause results an error (Negative)
When Admin sets the business date to "01 January 2026"
And Admin creates a client with random data
And Admin creates a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPaymentVolume | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
And Admin successfully approves the working capital loan on "01 January 2026" with "9000" amount and expected disbursement date on "01 January 2026"
Then Working capital loan approval was successful
When Admin successfully disburse the Working Capital loan on "01 January 2026" with "9000" EUR transaction amount
Then Working Capital loan status will be "ACTIVE"
When Admin runs inline COB job for Working Capital Loan by loanId
Then Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-01-30 | 270.0 | 0.0 | 270.0 | null | null | null |
When Admin sets the business date to "15 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
And Admin initiate a Working Capital loan delinquency pause with startDate "15 January 2026" and endDate "25 February 2026"
Then Working Capital loan delinquency action has the following data:
| action | startDate | endDate |
| PAUSE | 2026-01-15 | 2026-02-25 |
And Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-03-13 | 270.0 | 0.0 | 270.0 | null | null | null |
When Admin initiate a Working Capital loan delinquency pause with startDate "17 March 2026" and endDate "24 March 2026"
Then Working Capital loan delinquency action has the following data:
| action | startDate | endDate |
| PAUSE | 2026-01-15 | 2026-02-25 |
| PAUSE | 2026-03-17 | 2026-03-24 |
Then Initiating a Working Capital loan delinquency pause with startDate "17 March 2026" and endDate "30 March 2026" results an error with the following data:
| httpCode | errorMessage |
| 400 | Delinquency pause period cannot overlap with another pause period |
And Working Capital loan delinquency action has the following data:
| action | startDate | endDate |
| PAUSE | 2026-01-15 | 2026-02-25 |
| PAUSE | 2026-03-17 | 2026-03-24 |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "15 January 2026"

@TestRailId:C98198
Scenario: Verify working capital loan delinquency pause - UC6.4: backdated delinquency pause overlaps to an existing pause results an error (Negative)
When Admin sets the business date to "01 January 2026"
And Admin creates a client with random data
And Admin creates a working capital loan with the following data:
| LoanProduct | submittedOnDate | expectedDisbursementDate | principalAmount | totalPaymentVolume | periodPaymentRate | discount |
| WCLP | 01 January 2026 | 01 January 2026 | 9000 | 100000 | 18 | 0 |
And Admin successfully approves the working capital loan on "01 January 2026" with "9000" amount and expected disbursement date on "01 January 2026"
Then Working capital loan approval was successful
When Admin successfully disburse the Working Capital loan on "01 January 2026" with "9000" EUR transaction amount
Then Working Capital loan status will be "ACTIVE"
When Admin runs inline COB job for Working Capital Loan by loanId
Then Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-01-30 | 270.0 | 0.0 | 270.0 | null | null | null |
When Admin sets the business date to "15 January 2026"
And Admin runs inline COB job for Working Capital Loan by loanId
And Admin initiate a Working Capital loan delinquency pause with startDate "15 January 2026" and endDate "25 February 2026"
Then Working Capital loan delinquency action has the following data:
| action | startDate | endDate |
| PAUSE | 2026-01-15 | 2026-02-25 |
And Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-03-13 | 270.0 | 0.0 | 270.0 | null | null | null |
And Admin initiate a Working Capital loan delinquency pause with startDate "05 January 2026" and endDate "10 January 2026"
Then Working Capital loan delinquency action has the following data:
| action | startDate | endDate |
| PAUSE | 2026-01-15 | 2026-02-25 |
| PAUSE | 2026-01-05 | 2026-01-10 |
Then Initiating a Working Capital loan delinquency pause with startDate "05 January 2026" and endDate "14 January 2026" results an error with the following data:
| httpCode | errorMessage |
| 400 | Delinquency pause period cannot overlap with another pause period |
Then Working Capital loan delinquency action has the following data:
| action | startDate | endDate |
| PAUSE | 2026-01-15 | 2026-02-25 |
| PAUSE | 2026-01-05 | 2026-01-10 |
Then Initiating a Working Capital loan delinquency pause with startDate "02 January 2026" and endDate "14 January 2026" results an error with the following data:
| httpCode | errorMessage |
| 400 | Delinquency pause period cannot overlap with another pause period |
Then Working Capital loan delinquency action has the following data:
| action | startDate | endDate |
| PAUSE | 2026-01-15 | 2026-02-25 |
| PAUSE | 2026-01-05 | 2026-01-10 |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "15 January 2026"

@TestRailId:C78810
Scenario: Verify working capital loan delinquency pause - UC6.1: delinquency pause in the middle of first period with future pauses overlapping to a few periods
Expand Down Expand Up @@ -263,6 +352,7 @@ Feature: Working Capital Delinquency Pause
| 1 | 2026-01-01 | 2026-03-13 | 270.0 | 0.0 | 270.0 | false | 270.0 | 49 |
| 2 | 2026-03-14 | 2026-04-17 | 270.0 | 0.0 | 270.0 | false | 270.0 | 14 |
| 3 | 2026-04-18 | 2026-05-25 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "01 May 2026"

@TestRailId:C78811
Scenario: Verify working capital loan delinquency pause - UC6.2: delinquency pause in the middle of first period with pauses overlapping to a few periods
Expand Down Expand Up @@ -341,6 +431,7 @@ Feature: Working Capital Delinquency Pause
| 1 | 2026-01-01 | 2026-03-13 | 270.0 | 0.0 | 270.0 | false | 270.0 | 49 |
| 2 | 2026-03-14 | 2026-04-17 | 270.0 | 0.0 | 270.0 | false | 270.0 | 14 |
| 3 | 2026-04-18 | 2026-05-25 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "01 May 2026"

@TestRailId:C74486
Scenario: Verify working capital loan delinquency pause - UC7: backdated delinquency pause into an already evaluated period shifts and re-evaluates the schedule
Expand Down Expand Up @@ -384,6 +475,7 @@ Feature: Working Capital Delinquency Pause
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-02-26 | 270.0 | 0.0 | 270.0 | false | 270.0 | 1 |
| 2 | 2026-02-27 | 2026-03-28 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "27 February 2026"

@TestRailId:C89782
Scenario: Verify working capital loan delinquency pause - UC11: backdated pause into an evaluated period shifts subsequent generated periods and reopens them until re-evaluated
Expand Down Expand Up @@ -420,6 +512,7 @@ Feature: Working Capital Delinquency Pause
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-02-27 | 270.0 | 0.0 | 270.0 | false | 270.0 | 1 |
| 2 | 2026-02-28 | 2026-03-29 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "28 February 2026"

@TestRailId:C89783
Scenario: Verify working capital loan delinquency pause - UC12: backdated pause into a delinquent period lifts the loan's delinquency classification until re-evaluation
Expand Down Expand Up @@ -462,6 +555,7 @@ Feature: Working Capital Delinquency Pause
And Working capital loan account has the correct data:
| delinquencyStartDate |
| 2026-01-01 |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "28 February 2026"

@TestRailId:C74487
Scenario: Verify working capital loan delinquency pause - UC8: multiple delinquency pauses in the same period
Expand Down Expand Up @@ -504,6 +598,7 @@ Feature: Working Capital Delinquency Pause
And Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-02-11 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "25 January 2026"

@TestRailId:C74488
Scenario: Verify working capital loan delinquency pause - UC9: second delinquency pause overlaps with first pause period results an error (Negative)
Expand Down Expand Up @@ -541,6 +636,7 @@ Feature: Working Capital Delinquency Pause
Then Initiating a Working Capital loan delinquency pause with startDate "20 January 2026" and endDate "30 January 2026" results an error with the following data:
| httpCode | errorMessage |
| 400 | Delinquency pause period cannot overlap with another pause period |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "20 January 2026"

@TestRailId:C74489
Scenario: Verify working capital loan delinquency pause - UC10: delinquency pause by external ID in the middle of first period
Expand Down Expand Up @@ -573,6 +669,7 @@ Feature: Working Capital Delinquency Pause
And Working Capital loan delinquency range schedule has the following data:
| periodNumber | fromDate | toDate | expectedAmount | paidAmount | outstandingAmount | minPaymentCriteriaMet | delinquentAmount | delinquentDays |
| 1 | 2026-01-01 | 2026-02-10 | 270.0 | 0.0 | 270.0 | null | null | null |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "15 January 2026"

@TestRailId:C85313
Scenario: Verify working capital loan delinquency pause - touching consecutive pauses are rejected (Negative)
Expand All @@ -595,3 +692,4 @@ Feature: Working Capital Delinquency Pause
Then Initiating a Working Capital loan delinquency pause with startDate "25 January 2026" and endDate "05 February 2026" results an error with the following data:
| httpCode | errorMessage |
| 400 | Delinquency pause period cannot overlap with another pause period |
Then Admin closes the Working Capital loan with all obligations met with a full repayment on "25 January 2026"
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