MPPT current is never going to be more than directly measuring current out of the panel outputs with an amp meter. And for the purposes of testing used (or new) panels, this works just fine.
I've used those before and had zero issues. The only thing is I had to reverse inputs to get the results I desired. I wanted it to fall back to the grid when my inverter was down.
Measuring current directly across a panel output is going to tell you the max current the panel can output (assuming you are doing this in full sun). Perfectly valid way to test used panels.
What are you using to charge it? Perhaps the charger is what is cutting off too soon. Or are you saying it actually shows the charge MOS opening? If so, then it should be giving you a fault in the status area.
You have the sum high voltage set to 13.8v which IMO is a bit low (I have mine at 14.4v). And the Daly BMB SOC needs to be manually "reset" too every once in a while to 100% because it is not super accurate (especially if bluetooth is set to stay on a long time).