Judopay Documentation

Mobile SDK Features

All of our Mobile SDKs come built-in with the following features:

  • Data and Address Verification

  • Real-time error detection

  • 3D Secure

  • Mobile specific fraud prevention tools

  • Payments Widget

  • Alternative Payment Methods:

    • Apple Pay™

    • Google Pay™

    • PayByBankApp

    • iDEAL

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.

Note

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.

Tip

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

Device DNA™

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

Note

Device DNA™ is not available for the Xamarin SDK.

3D Secure

3D Secure allows consumers to create and assign a password to their card that is then verified whenever a transaction is processed through a site that supports the scheme.

The EnhancedPaymentDetail Object allows you to send additional device details of the transaction to the issuer. For example the consumer’s location. It also provides for an increased acceptance of a 3D Secure 2.0 transaction.

3D Secure 2.0 (also known as EMV 3DS) is a new version of 3D Secure 1.0. 3D Secure 2.0 aims to improve the security and consumer experience, including helping merchants achieve Strong Customer Authentication (SCA) compliance under PSD2.

For more details on 3D Secure, see 3D Secure.

Mobile Payments Widget

The Mobile Payments Widget is an out of the box UI, supporting a host of payment methods within the mobile SDK. Using the Payments Widget enables you to customise the consumer's payment experience.

You can also customise the accepted card networks for your app. The default values are: Visa | MasterCard | Discover | Maestro | American Express.

Caution

If processing American Express transactions ensure your account supports American Express.

 

Using the following Payments Widget features enables the customisation of:

  • Card UI

    • Card Number

    • Expiry Date

    • CVV

    • Cardholder Name

    • Postcode

    • Country

    • Styles and Themes

  • Consumers can add their cards to the Judopay Wallet, where they have the ability to:

    • Set their default card

    • Add a card nickname

    • Customise the card pattern

  • Consumers can set their preferred payment method:

    • Card Payment

    • Apple Pay™

    • Google Pay™

    • PayByBankApp

    • iDEAL

The most relevant payment method for the consumer will be presented to them via the Payment Selector Screen based on their:

  • Location

  • Most recently used payment method

  • Preferred way of paying

See the following guides on setting up the Payments Widget for:

Alternative Payment Methods

Alternative Payment Methods refers to a range of payment methods beyond the traditional ways of paying with cards and cash.

Currently Judopay accepts the following Alternative Payment Methods:

Mobile Digital Payment Wallets:

  • Apple Pay™

  • Google Pay™

Note

You will need to set up your Apple Pay™ Developer Account and Google Pay™ Payments Profile first to get your Merchant IDs.

For more details, see Create a Merchant ID and Create a Payments Profile.

Bank Transfers:

  • PayByBankApp

  • iDEAL

Mobile Digital Payment Wallets

Apple Pay™ as a Payment Method

Apple Pay™ is a digital wallet which stores card details on behalf of the consumer. Judopay offers merchants the ability to accept payments in-app and via websites (Safari browser).

Once registered with Apple Pay™ the consumer does not need to input their card details on a payment journey.

For more details on Apple Pay™ as an alternative payment method, see:

Caution

Before you can process Apple Pay™ payments with Judopay, you will need to set up your Apple Pay™ account.

Google Pay™

Google Pay™ is a digital wallet which stores card details on behalf of the consumer. Judopay offers merchants the ability to accept payments in-app and via websites.

Once registered with Google Pay™ the consumer does not need to input their card details on a payment journey.

For more details on Google Pay™ as an alternative payment method, see:

Bank Transfers

PayByBankApp

PayByBankApp enables consumers to use bank transfers to easily pay for goods and services online.

For more details on using the PayByBankApp as an alternative payment method, see:

iDEAL

iDEAL enables consumers to easily pay online for goods and services in the Netherlands.

For more details using iDEAL as an alternative payment method, see: