Testing CheckCard

These scenarios do not include 3D Secure 2 authentication testing.

See Testing 3D Secure 2 Flows for 3D Secure 2 authentication testing for your app.

 

CheckCard Scenarios (Positive Flow)

CheckCard conducts a zero amount pre-authorisation on the consumer's account.

 

Important to Consider

Zero Auth means it does not hold any funds on the customer’s account.

  • CheckCard tests involve verification of:

    • The card:

      • cardNumber

      • cardExpiryDate

      • cv2

    • The account:

      • Is not blocked or blacklisted

      • Exists

  • Tokenises the card number into an encrypted string.

A successful checkCard request verifies the card with the issuer and can be authenticated using 3D Secure 2. Providing you with the confidence the card is valid to make future payments.

Suggested Test Scenario

 Expected Outcome Tip

Process a Card Payment.

This will check the card is valid.

200

Successful

The checkCard response provides the:

  • cardToken

  • yourConsumerReference

Ensure you use the correct cardToken and yourConsumerReference to make future payments, otherwise they may fail.

Process a Card preAuth.

This will check the card is valid.

200

Successful

The checkCard response provides the:

  • cardToken

  • yourConsumerReference

Ensure you use the correct cardToken and yourConsumerReference to make future payments, otherwise they may fail.
Process a checkCard request using the different card schemes you will be implementing on your app.

200

Successful

 Ensure you have the correct card schemes enabled on your app.

Process a checkCard request with the billing address information (cardAddress block) included in the request.

 

This will validate the billing address is registered to that card.

200

Successful

Ensure the cardAddress block has the correct fields:

  • address1

  • address2

  • address3

  • town

  • postCode

    • Required

  • countryCode

    • Any ISO 3166-1 3 digit country code of the card holder's address.

Example cardAddress block:

"cardAddress": {  
    "address1": "CardHolder House",  
    "address2": "1 CardHolder Street",  
    "address3": "CardHolder Area",  
    "town": "CardHolder Town",  
    "postCode": "AB1 2CD",  
    "countryCode": 826,  
    "state": "FL", 
},

 

To validate the card is registered to the correct post code, ensure the following permission on your sandbox API Credentials is enabled:

  • Enforce AVS checks.

The default setting = disabled.

For more information on API credentials and permissions, see Permissions.

 

Test Card Data

To simulate a successful checkCard request use the test card details here.

 

Request:

Sandbox endpoint: https://api-sandbox.judopay.com/transactions/checkcard

HTTP Method: POST

API-Version:

6.20

 

For the latest version of the Judopay Transaction API, see Latest Version.

Content-Type:

application/json

Accept:

application/json

Authorization Method

TokenSecretAuth

In the Authorization Header:

  • Supply: Basic {authstring}

Example:

Basic TXpFdPdRSzWmSGk4djhxeTpjBTS4YjQ5OTdkZmO7CTk1YTE0OWEyMDg1MmY3YWYyZWEyZTcwYmQyZGY3O

 

 

Replace {authstring} with base64 encoding of:

  • API Token (username)

  • Colon

  • API Secret (password)

Example:

MzPdkQK1mGi8v3ky:y158n4732dfc7595a149a20381f7af2ea2e70gr6df794b8rnwc019cc5f799kk3

Authorization Method:

PaymentSessionAuthToken

For Payment Session authentication

In the Api-Token header:

  • Supply the token used to authenticate the call to generate a payment session

The Payment-Session header value must also be supplied.

Authorization Method:

PaymentSessionAuthReference

For Payment Session authentication

In the Payment-Session header:

  • Supply the reference returned in the create payment session response

The Api-Token header value must also be supplied.

 

 

 

Body Parameters:

 

 

Parameter

Description

 

judoId

String

Required

Unique ID supplied by Judopay.

Specific to a merchant and/or location.

Format:

  • 100100100

  • Maximum length 9 characters.

  • Do not include spaces or dashes.

 

amount

Decimal

Required

The amount to process. 

Format:

  • Two decimal places

For currencies using a different structure please contact Judopay for support.

 

currency

String

Required

The currency of the transaction. 

Any ISO 4217 alphabetic currency code:

  • GBP

  • USD

  • EUR

 

phoneCountryCode

String

Optional

The country code of the consumer's phone.

Format:

  • Maximum length 3 characters.

  • Only numbers allowed.

  • Do not include special characters or spaces.

 

challengeRequestIndicator

String

Optional

Indicates the type of challenge request you wish to apply.

Values:

  • NoPreference

  • NoChallenge

    • No challenge required.

  • ChallengePreferred

    • A challenge is preferred for this transaction.

  • ChallengeAsMandate

    • Must challenge this transaction.

 

scaExemption

String

Optional

To apply for an exemption from SCA, for a customer initiated transaction.

Values:

  • LowValue

    • Transactions up to €45 do not require SCA, up to a maximum of five consecutive transactions, or a cumulative limit of €100.

  • SecureCorporate

    • Request exemption for payments made using a corporate card.

  • TrustedBeneficiary

    • Provides the cardholder the option to add the merchant to their trusted list.

  • TransactionRiskAnalysis

    • Allows for certain remote transactions to be exempt from SCA, provided a robust risk analysis is performed.

 

initialRecurringPayment

Boolean

Optional

Indicates if this initial payment is part of a recurring payment.

 

yourConsumerReference

String

Required

Unique reference to anonymously identify your customer.

Advisable to use GUIDs.

Must be below 40 characters.

 

yourPaymentReference

String

Required

Your unique reference for this payment. 

Format:

  • Maximum length 50 characters.

This value should be unique in order to protect your customers against duplicate transactions. 

With a server side integration, if a payment reference is not supplied, the transaction will not be processed.

 

billingAddress

Object

Optional

Card holder's billing address.

 

If the billingAddress is provided, the postcode is required.

 

mobileNumber

String

Optional

Consumer’s valid mobile number.

Format:

  • Maximum length 15 characters.

  • Only numbers allowed.

  • Do not include special characters or spaces.

 

emailAddress

String

Optional

Consumer’s valid email address.

It is recommended but not required for 3D Secure 2 authentication.

 

primaryAccountDetails

Object

Optional

This is Mandatory for merchants who have an MCC code of 6012

Primary Account Holder Details:

  • Name

This is the surname.

  • accountNumber

  • dateOfBirth

    • Format: YYYY-MM-DD

  • postCode

 

 

Request Example:

 

Response

 

Response Example:

 

CheckCard Scenarios (Negative Flow)

Declines can occur for various reasons, it can be impossible to simulate all the negative flows in a sandbox environment.

Important to Consider:

  • How your app handles negative flows

  • Your customer's experience should a negative flow occur:

    • Logic to communicate error messages

    • Customise how your app responds

  • How to maintain application consistency

 

Follow our suggested guidelines to simulate negative scenarios, to test your app’s error handling:

Suggested Negative Test Scenario

Expected Error Code

 Error Description
Attempt to perform a checkCard using an invalid card expiry date.

161

Sorry, but the card expiry date must be in the future.
Attempt to perform a checkCard using an invalid card number. 196 Unable to process transaction as the card number is invalid. Please try again with a different card.
Simulate a decline using the following test card details:

Attempt to perform a checkCard decline using the following:

  • cardNumber: 4221690000004963

  • cv2: 452

  • expiryDate: 12/24

 Declined Card declined.

Where the codes remain fixed, the descriptions may change. You should not build any error handling logic based on these descriptions.

For a list of possible error codes, types and descriptions, see Error Codes and Descriptions

 

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