Judopay Documentation


In online and mobile payments, security is a number one concern. 

Authentication and verification of the identity of the cardholder is important for preventing fraudulent transactions and refunds.


Judo supports the three primary methods of cardholder authentication in use today, including:

  • 3DS

  • CV2

  • AVS

Address Verification System

Address Verification System (AVS) is another fraud prevention scheme.

It uses information provided by your customer to verify the details of the card used in the transaction.

It is used to help verify details in cardholder not present transactions, such as online and mobile.


AVS performs a cross-reference check between the billing address of the payment card and the billing address provided by the customer. If the check is successful then the transaction will be processed, otherwise the charge will not be authorized.

AVS performs the cross-reference check using the numerical values contained in the address information.


To check AVS, use the test card details provided in the Judopay Portal.


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.