Fraud Prevention

Judopay offers the following solutions to help protect your payments against fraud:

Address Verification System

Address Verification System (AVS) is a fraud prevention scheme, using information provided by the consumer to verify the details of the card used in the transaction.

It is used to help verify details in cardholder not present transactions.

AVS performs a cross-reference check in the following two ways:

  • The Address Numeric Check

  • Postcode Check

The numerical values contained in both the address and the postcode that are submitted by the consumer during the transaction, is checked against the values entered for the billing address.

If the check is successful the transaction will be processed, otherwise the charge will not be authorized.

We recommend performing tests generating successful and declined payments using the correct and incorrect billing Postcode/Zip codes.


Card Verification Code Confirmation

The Card Verification Code (CV2) also called the Card Security Code, is the 3-4 digit security number placed at the back of the card. It is often used to authenticate a consumer physically owns the card.

After a payment has been processed successfully, Judopay provides you with a card and consumer token.


These tokens can be stored and used with the original Consumer Reference to process future payments on behalf of that consumer.

This means by processing a token payment, returning consumer's will only need to enter their CV2 to complete the transaction.



JudoShield is our mobile fraud prevention tool – a risk engine that collects, analyses and returns a ‘Risk score’ between 0 and 100 for each transaction.

This is based on transactional data and mobile device signals – captured via Judopay’s SDKs.


The Risk score determines if a transaction is Allowed, Blocked or sent to 3D Secure.

If the Risk score returned reaches the Block threshold, the transaction and/or user is flagged, preventing them from completing this transaction or any future transactions.



  • Works together with our seamless in-app payment SDKs to fully protect your business and customers – from the first line of code, to the end of every transaction.

  • Enables intelligent and proactive management of transaction risks, minimizing fraud and reducing chargebacks.

  • Runs quietly in the background, its rules and enforcements can be enabled when it makes sense for the business to do so.

  • Provides smart machine-learning capability that help businesses continuously fine-tune their fraud prevention strategy based on what makes sense for their customers and industry.

How JudoShield Works

JudoShield is a mobile-specific security toolkit module that combines business rules with machine learning to monitor and block fraudulent transactions.

Based on your appetite for risk you have the option to configure your Block threshold by contacting our team to determine the threshold that will allow, block or send a transaction to 3DS verification.


JudoShield captures data from the transaction and device signals via Device DNA™. This collection of data is then processed and calculated using machine learning algorithms to return the risk score.


Device DNA™

Device DNA™ protects your app from fraud in real-time, capturing both the data and device signals at the time of the transaction.