Full Spectrum Testing Scenarios

In order to make sure your integration is functioning as expected, we recommend testing the following scenarios:

1. Full Decline
2. Loan Approval, Apply First
3. Loan Approval, Shop First
4. Loan Soft Decline
5. Lease Approval, Apply First
6. Lease Approval, Shop First
7. Lease Soft Decline
8. Returning Customer with Loan Approval
9. Returning Customer with a Lease Approval
10. Returning Customer with a signed loan/lease agreement

We've outlined each scenario below with an explanation of the scenario, the test data needed to create it and the steps needed to recreate each scenario. Please note that the steps for testing will vary based on whether or not you are integrating with our Modal Integration or our Direct API integration. We have indicated in the scenarios which steps are shared between the two and which are specific for the Koalafi modal vs. Direct API.

1. Full Decline

In this scenario customer gets declined for both a lease and a loan. Once declined, there are no further steps to take.

Test Data:

Address Line 1: 011000390

Zip: 32034

Steps to Follow

Shared Steps:

1. Apply First as a new customer using the decline test data for the billing address.
2. Confirm you see decline response

Koalafi Modal Steps:

3. Open the UI again
4. Confirm you see decline message
5. Open modal on from checkout screen
6. See decline message
7. Apply in a new browser with the same phone number and last 4 SSN
8. Confirm you see a decline / ineligible message

Direct API Steps:

3. Query order, confirm declined loan/lease on the order
4. Create a new order, Customer lookup with the same phone number and SSN
5. Confirm Ineligible/declined is returned

2. Loan Approval, Apply First

In this scenario customer applies and gets approved for a loan without any items in their cart. We will then add items to the cart to test cart validation is working correctly and then continue on to checkout, sign the loan agreement and mark the order as shipped.

Test Data

Zip: 12345

Steps to Follow

Shared Steps:

1. Using the test data, apply as a new customer without having any items in their cart.
   1. If you're using the Koalafi modal, we recommend doing this from a merchant financing or product page.
   2. If you're using the API leave items empty in the input.
2. Get approved for loan
3. If in UI, close the modal

Koalafi Modal Steps:

4. Open the modal again on the same screen
5. Confirm you see the same approval amount
6. Add items to your cart that are less than the the minimum spend ($200)
7. Continue to checkout page and open modal
8. See cart validation error on the UI
9. In a new browser add items to your cart that exceed the approval amount
10. Try to checkout with Koalafi and you should be prompted to enter in customer information
11. Use the same phone number and last 4 SSN to retrieve the approval for the application in progress
12. Should see a validation error on UI indicating that cart is greater than approval
13. Close the modal
14. In the same browser, update the cart to be between the minimum spend ($200) and your approval amount
15. Open the modal on checkout screen to generate the loan docs - check that the loan amount in the docs matches the cart total
16. Sign the loan docs and enroll in autopay
17. See the modal "You're all done" screen and then the order confirmation page. *Note our e-commerce plugins automatically place the order within their system once a customer has completed the Koalafi financing process.
18. Confirm that the order has been placed within the e-comm system and that the confirmation has the Koalafi orderId and loan display Id.
19. Using the e-comm platform, mark the order as delivered and make sure there are no errors.

Direct API Steps:

4. Query the order and make sure that the loan details are returned in the query
5. Attempt to add items to the order with a total cart below the minimum spend ($200)
6. Check that a cart validation message is returned
7. Attempt to add items to the order with a total cart above the approval amount
8. Check that a cart validation message is returned
9. Add items to the order where the cart total is between the minimum spend ($200) and the approval amount.
10. Confirm the update is successful

If you have only integrated with our APIs through Approval you can stop after step 10 but if you have integrated with our APIs for the full financing process then you should continue to the following steps:

11. Complete the remaining required mutations for checkout and ensure each step's success
    1. SelectLoanOptionType
    2. GenerateLoanDocs
    3. SignLoanAgreement
12. Once loan docs are signed, complete purchase in your sale system (where applicable).
13. Mark order as delivered in your system and confirm success.

3. Loan Approval, Shop First

In this scenario customer applies and gets approved for a loan with items in their cart. Initially, we will apply with a small cart to get a cart validation error, update the cart to be valid and then checkout with a discount code. We will sign the loan agreement and mark the order as shipped.

Test Data

Zip: 12345

Steps to Follow

Shared Steps:

1. Using the test data, apply as a new customer with less than $100 in their cart. If you're using the Koalafi modal we recommend doing this from the merchant checkout page.
2. Get approved for loan but with a cart validation error
3. If in UI, close the modal

Koalafi Modal Steps:

4. Open the modal again on the same screen
5. Confirm you see the same approval amount
6. Update the cart to be between the minimum spend ($200) and your approval amount
7. Apply a discount code and check the cart total show on merchant screen
8. Open the modal on checkout screen to generate the loan docs
9. Confirm that the loan amount show in the docs matches the cart total that was on the merchant screen
10. Sign the loan docs
11. On the "Enroll in Autopay" screen, use the "X" button to close out of the modal without making an autopay selection.
12. We expect that the order should still be placed on merchant site
13. Confirm that the order has been placed within the e-comm system and that the confirmation has the Koalafi orderId and loan display Id.
14. Using the e-comm platform, mark the order as delivered and make sure there are no errors.

Direct API Steps:

4. Query the order and make sure that the loan details are returned in the query

If you have only integrated with our APIs through Approval you can stop after step 10 but if you have integrated with our APIs for the full financing process then you should continue to the following steps:

5. Update items on the order so the cart total is between the minimum spend ($200) and the approval amount applying the relevant discount as discussed in our docs.
6. Confirm the update is successful
7. Complete the remaining required mutations for checkout and ensure each step's success
   1. SelectLoanOptionType
   2. GenerateLoanDocs
   3. SignLoanAgreement
8. Once loan docs are signed, complete purchase in your sale system (where applicable).
9. Mark order as delivered in your system and confirm success.

4. Loan Soft Decline

In this scenario, we will get soft declined for a loan, resolve the soft decline and then continue with the checkout process.

Test Data

Zip: 32208 (Soft Decline)

Zip: 12345 (Approved)

Steps to Follow

Shared Steps:

1. Using the test data, apply as a new customer without having any items in the cart.
   1. If you're using the UI we recommend doing this from a financing or product page.
   2. If you're using the API you would leave items empty in the input.
2. Get soft declined for a loan
3. Review the application details and update zip: 12345
4. Resubmit the application via UI or API
5. Confirm that application has been approved

Koalafi Modal Steps:

6. Open the modal again on the same screen
7. Confirm you see the same approval amount
8. Add items to the cart to be between the minimum spend ($200) and your approval amount
9. Open the modal on checkout screen to generate the loan docs
10. Confirm that the loan amount show in the docs matches the cart total that was on the merchant screen
11. Sign the loan docs and select "do not enroll in autopay"
12. Confirm that the order has been placed within the e-comm system and that the confirmation has the Koalafi orderId and loan display Id.
13. Using the e-comm platform, mark the order as delivered and make sure there are no errors.

Direct API Steps:

6. Query the order and make sure that the loan details are returned in the query

If you have only integrated with our APIs through Approval you can stop after step 10 but if you have integrated with our APIs for the full financing process then you should continue to the following steps:

7. Add items to the order where the cart total is between the minimum spend ($200) and the approval amount applying the relevant discount as discussed in our docs.
8. Confirm the update is successful
9. Complete the remaining required mutations for checkout and ensure each step's success
   1. SelectLoanOptionType
   2. GenerateLoanDocs
   3. SignLoanAgreement
10. Once loan docs are signed, complete purchase in your sale system (where applicable).
11. Mark order as delivered in your system and confirm success.

5. Lease Approval, Apply First

In this scenario customer applies and gets declined for a loan but approved for a lease without any items in their cart. We will then add items to the cart to test cart validation is working correctly and then continue on to checkout, sign the lease agreement and mark the order as shipped.

Test Data

Apply

• Billing address 1: : 011000028
• Zip: : 32034

Debit Card Info

• Card number: 4111-1111-1111-1111 (do not include "-" in API request)
• Expiration date: 2025-02 (YYYY-MM for any date in the future)

Steps to Follow

Shared Steps:

1. Using the test data, apply as a new customer without having any items in their cart.
   1. If you're using the UI we recommend doing this from a financing or product page.
   2. If you're using the API you would leave items empty in the input.
2. Get approved for lease
3. If in UI, close the modal

Koalafi Modal Steps:

4. Open the modal again on the same screen
5. Confirm you see the same approval amount
6. Add items to your cart that are less than the the minimum spend ($200)
7. Continue to checkout page and open modal
8. See cart validation error on the UI
9. In a new browser add items to your cart that exceed the approval amount
10. Try to checkout with Koalafi and you should be prompted to enter in customer information
11. Use the same phone number and last 4 SSN to retrieve the approval for the application in progress
12. Should see a validation error on UI indicating that cart is greater than approval
13. Close the modal
14. In the same browser, update the cart to be between the minimum spend ($200) and your approval amount
15. Open the modal on checkout screen and enter employment data
16. Confirm shipping address
17. Enter debit card information using the provided test data
18. Review the contract summary and check that the lease amount matches the cart total on merchant's site
19. Acknowledge the contract summary
20. Review and sign the lease agreement
21. See the modal "You're all done" screen and then the order confirmation page. *Note our e-commerce plugins automatically place the order within their system once a customer has completed the Koalafi financing process.
22. Confirm that the order has been placed within the e-comm system and that the confirmation has the Koalafi orderId and loan display Id.
23. Using the e-comm platform, mark the order as delivered and make sure there are no errors.

Direct API Steps:

4. Query the order and make sure that the lease details are returned in the query
5. Call UpdateDebitInfo with provided test data
6. Confirm success

If you have only integrated with our APIs through Approval you can stop after step 10 but if you have integrated with our APIs for the full financing process then you should continue to the following steps:

7. Attempt to add items to the order with a total cart below the minimum spend ($200)
8. Check that a cart validation message is returned
9. Attempt to add items to the order with a total cart above the approval amount
10. Check that a cart validation message is returned
11. Add items to the order where the cart total is between the minimum spend ($200) and the approval amount.
12. Complete the remaining required mutations for checkout and ensure each step's success
    1. UpdateEmployment
    2. UpdateOrderAddress
    3. GenerateLeaseDocs
    4. SignLeaseAgreement
13. Once lease docs are signed, complete purchase in your sale system (where applicable).
14. Mark order as delivered in your system and confirm success.

6. Lease Approval, Shop First

In this scenario customer applies and gets declined for a loan but approved for a lease with items in their cart. Initially, we will apply with a small cart to get a cart validation error, update the cart to be valid and then checkout with a discount code. We will sign the lease agreement and mark the order as shipped.

Test Data

Apply

• Billing address 1: : 011000028
• Zip: : 32034

Debit Card Info

• Card number: 4111-1111-1111-1111 (do not include "-" in API request)
• Expiration date: 2025-02 (YYYY-MM for any date in the future)

Steps to Follow

Shared Steps

1. Using the test data, apply as a new customer with less than $100 in their cart. If you're using the UI we recommend doing this from the checkout page.
2. Get approved for loan but with a cart validation error
3. If in UI, close the modal

Koalafi Modal Steps:

4. Open the modal again on the same screen
5. Confirm you see the same approval amount
6. Update the cart to be between the minimum spend ($200) and your approval amount
7. Apply a discount code and check the cart total show on merchant screen
8. Open the modal on checkout screen and enter employment data
9. Confirm shipping address
10. Enter debit card information using the provided test data
11. Review the contract summary and check that the lease amount matches the cart total on merchant's site
12. Acknowledge the contract summary
13. Review and sign the lease agreement
14. See the modal "You're all done" screen and then the order confirmation page. *Note our e-commerce plugins automatically place the order within their system once a customer has completed the Koalafi financing process.
15. Confirm that the order has been placed within the e-comm system and that the confirmation has the Koalafi orderId and loan display Id.
16. Using the e-comm platform, mark the order as delivered and make sure there are no errors.

Direct API Steps:

4. Query the order and make sure that the lease details are returned in the query
5. Call UpdateDebitInfo with provided test data
6. Confirm success

If you have only integrated with our APIs through Approval you can stop after step 10 but if you have integrated with our APIs for the full financing process then you should continue to the following steps:

7. Attempt to add items to the order with a total cart below the minimum spend ($200)
8. Check that a cart validation message is returned
9. Attempt to add items to the order with a total cart above the approval amount
10. Check that a cart validation message is returned
11. Add items to the order where the cart total is between the minimum spend ($200) and the approval amount.
12. Complete the remaining required mutations for checkout and ensure each step's success
    1. UpdateEmployment
    2. UpdateOrderAddress
    3. GenerateLeaseDocs
    4. SignLeaseAgreement
13. Once lease docs are signed, complete purchase in your sale system (where applicable).
14. Mark order as delivered in your system and confirm success.

7. Lease Soft Decline

In this scenario, we will get soft declined for a lease, resolve the issue with the application, reapply and then get approved. We will also test entering a bad debit card on the initial payment screen, get an error and then resolve it. Once the application has been fixed we'll continue to sign lease agreement and mark the order as delivered.

Test Data

Apply

• Zip: 32034
• Address Line 1: 011000536 (Soft Decline Ecomm Only)
• Routing Number: 011000536 (Soft Decline B&M Only)
• Address Line 1: 011000028 ( Approval Ecomm Only)
• RoutingNumber: 011000036 (Approval B&M Only)

Debit card:

• Card Number: 4000301211112226 0924 (Debit Error)
• Card Number: 4111111111111111 0926 (Fixed)

Steps to Follow

Shared Steps:

1. Using the test data, apply as a new customer with more than $200 worth of items in your cart
   1. If you're using the UI we recommend doing this from the checkout page
2. Get a soft decline
3. Review application and change Address Line 1 to be the approval value listed above
4. Resubmit application
5. Get an approval

Koalafi Modal Steps:

6. Enter Employment Information
7. Confirm Shipping addresses matches what you had on checkout screen / application
8. On debit card screen, enter the soft decline card number listed above
9. Verify that you see a debit card error message
10. Edit debit card details and update card to use the fixed card number above
11. Review the contract summary and check that the lease amount matches the cart total on merchant's site
12. Acknowledge the contract summary
13. Review and sign the lease agreement
14. See the modal "You're all done" screen and then the order confirmation page. *Note our e-commerce plugins automatically place the order within their system once a customer has completed the Koalafi financing process.
15. Confirm that the order has been placed within the e-comm system and that the confirmation has the Koalafi orderId and loan display Id.
16. Using the e-comm platform, mark the order as delivered and make sure there are no errors.

Direct API Steps:

6. Query the order and make sure that the lease details are returned in the query
7. Call UpdateDebitInfo with the soft decline number listed above
8. Confirm an error is returned
9. Update the debit card number to use the fixed card number and call UpdateDebitInfo again
10. Confirm success

If you have only integrated with our APIs through Approval you can stop after step 10 but if you have integrated with our APIs for the full financing process then you should continue to the following steps:

11. Complete the remaining required mutations for checkout and ensure each step's success
    1. UpdateEmployment
    2. UpdateOrderAddress
    3. GenerateLeaseDocs
    4. SignLeaseAgreement
12. Once lease docs are signed, complete purchase in your sale system (where applicable).
13. Mark order as delivered in your system and confirm success.

8. Returning Customer with a Loan Approval

In this scenario, we are going to test the experience of a customer who got a loan approval and let their session with Koalafi expire. We will come back into the application as that customer and should be able to find their application and use it to complete the financing process.

Test Data

• The information of a customer who has been previously approved for a loan

Steps to Follow

Shared Steps:

1. Apply as a new customer and get a loan approval

Koalafi Modal Steps:

2. Clear cookies and browsing data
3. Open the modal on product screen
4. Confirm you see the starting page of the modal, if you don't try a new browser or clearing your cookies again.
5. Enter the phone number used for the loan approval
6. Confirm you see the screen asking for last 4 of SSN
7. Enter the same SSN you used for approval
8. See the Welcome Back/Approval screen
9. Close modal and add items to the cart
10. Open the modal on the checkout screen
11. Continue the checkout process with Koalafi checking that the loan amount matches the cart total
12. Sign loan agreement and do not enroll in autopay
13. See all done screen and then order confirmation

Direct API Steps

2. Create new order
3. Do the customer query with the same phone number and last 4 SSN you used for approval
4. Confirm you get a successful response from API
5. Do order query and confirm that the loan details are now attached to the order you created in Step 2
6. Finish the financing process as you normally would but bypass apply
7. Confirm all steps work

9. Returning Customer with a Lease Approval

In this scenario, we are going to test the experience of a customer who got a lease approval and let their session with Koalafi expire. We will come back into the application as that customer and should be able to find their application and use it to complete the financing process.

Test Data

• The information of a customer who has been previously approved for a lease

Steps to Follow

Shared Steps:

1. Apply as a new customer and get a lease approval

Koalafi Modal Steps:

2. Clear cookies and browsing data
3. Open the modal on product screen
4. Confirm you see the starting page of the modal, if you don't try a new browser or clearing your cookies again.
5. Enter the phone number used for the loan approval
6. Confirm you see the screen asking for last 4 of SSN
7. Enter the same SSN you used for approval
8. See the Welcome Back/Approval screen
9. Close modal and add items to the cart
10. Open the modal on the checkout screen
11. Continue the checkout process with Koalafi checking that the lease amount matches the cart total
12. Sign lease agreement
13. See all done screen and then order confirmation

Direct API Steps

2. Create new order
3. Do the customer query with the same phone number and last 4 SSN you used for approval
4. Confirm you get a successful response from API
5. Do order query and confirm that the lease details are now attached to the order you created in Step 2
6. Finish the financing process as you normally would but bypass apply
7. Confirm all steps work

10. Returning Customer with Signed Lease/Loan Agreement

This scenario represents a customer who has already successfully placed an order using Koalafi financing and shortly after checkout has returned to the merchant's site to try to make another purchase using Koalafi. Since they have a signed lease/loan that has not yet been funded, they should not be eligible for financing at this time.

Test Data

• The information of a customer who has been previously approved for a loan/lease

Steps to Follow

Shared Steps:

1. Apply as a new customer and get a loan/lease approval
2. Complete the post-approval steps to sign loan/lease agreement and place an order with the e-comm merchant. DO NOT mark order as delivered

Koalafi Modal Steps:

3. Clear cookies and browsing data
4. Open the modal
5. Confirm you see the starting page of the modal, if you don't try a new browser or clearing your cookies again.
6. Enter the phone number used for the loan approval
7. Confirm you see the screen asking for last 4 of SSN
8. Enter the same SSN you used for approval
9. Confirm you see in the ineligible screen

Direct API Steps:

3. Create a new order
4. Do the customer query with the same phone number and last 4 SSN you used for approval
5. Confirm that you see an error returned from API that contains the message Not eligibile for new app at this time