PayByLink via Judopay Portal
PayByLink is an easy way to request and accept payments. Just add the link to your emails, SMS, or invoices that you send out to your consumers. You do not need to have a website or a mobile app to be able to use PayByLink.
You can also generate a QR code linking to the payment link. Download the QR code and add the QR Code image to any printed materials:
The consumer clicks on the link, and is re-directed to the payment page hosted by Judopay. This means you do not require any integration, and also reduces your PCI scope.
Once the payment is complete, a message is presented to the consumer to let them know the transaction status. You can choose to set a success or failure URL for the consumer to be redirected to.
You can also add your logo to the payment page, to provide a seamless payment journey for your consumer. Contact customer support to arrange for your logo to be added.
You can generate as many PayByLink payments as you need. Each generated link can only be used to take a single payment.
You can create a link via the:
Create PayByLink via the Judopay Portal
From the Judopay Portal you can:
- Create a PayByLink payment
- Generate a QR code that links to the payment link
- Filter and view a list of all your PayByLink links
- Check the payment status of a link
To create a new PayByLink payment:
From the side menu, select PayByLink.
All existing PayByLink transactions for your account are displayed by the judoId used to create the payment link. Displaying:
- Your Payment Reference
- Expiry Date
- Amount
- Status
Click the Create Link button.
The Create a Link form appears. Enter the following details:
- Location Required If you have access to more than one judoId, you will see a Location drop down list made up of the JudoId + truncated Trading Name. Select the location based on the JudoId. From the selected JudoId, the form will automatically update: - Currency depending on enabled ECOM routes. - Extra fields if MCC = 6012 / 6051 / 7299.
- Consumer Reference Required
A unique reference to anonymously identify the consumer.
- Payment Reference Required
Your reference for this PayByLink transaction. This value should be unique in order to protect your consumers against duplicate transactions.
- Consumer Name Optional The name of the consumer for whom you are creating the PayByLink transaction.
- Consumer Email Optional The email address of the consumer for whom you are creating the PayByLink transaction.
- Amount Required
The amount to process. Format: Two decimal places. If you are looking to process currencies that use a different structure than two decimal places, please contact Judopay for support.
- Currency Required
Identifies the currency of the transaction. Please contact Judopay if you need additional currencies for your transaction.
- Expiry Date Required
The expiry date of the PayByLink payment Format: DD/MM/YYYY Must be in the future, and within a year.
Click the Create button.
The Success screen appears.
Click on either the:
- Copy the link to the clipboard: The link can now be shared with the consumer. The consumer will be directed to the payment screen, to enter their card details.
- Download QR Code: Add the QR code to any printed materials. The code will link to the payment link.
Filter and View your PayByLink List
From the Judopay Portal, you can:
- View a list of all your PayByLink links
- Filter the list by:
- Location (judoId)
- PayByLink status
From the side menu, select PayByLink. All existing PayByLink transactions for your account are listed. Displaying:
- Your Payment Reference
- Expiry Date
- Amount
- Status
Select the Filter button
You have the option to filter by Location (judoId), or PayByLink status. Location Dropdown If you have access to more than one judoId, you will see a Location drop down list made up of the JudoId + truncated Trading Name. Filter the location based on the JudoId. PayByLink Status Options:
- All Statuses
- Active
- Paid
- Expired
- Cancelled
All PayByLink links are filtered and displayed using the Location or PayByLink status. For the purpose of this exercise, the list is filtered using the PayByLink status Paid.
The Expiry Date column is hidden when the PayByLink list is viewed within a small screen.
Account Funding Transactions
If your account is not configured for AFT, the PaybyLink flow remains unchanged.
Account Funding Transactions (AFT) are required for merchants operating in specific money movement and financial services categories, as defined by card schemes.
For these merchants, additional data must be included in payment requests to ensure transactions are processed in line with scheme and acquirer requirements.
Failure to provide the required AFT fieldsrequired fields may result in transactions being declined, flagged, or subject to additional scrutiny.
AFT information is configured by the merchant when creating the payment link and is automatically applied during payment processing.
Important to Consider
- AFT requirements apply only to merchants with supported MCCs. For more information, see Applicable MerchantsApplicable Merchants.
- These requirements are defined by the card schemes and acquirers, and apply across all supported gateways.
- Missing or invalid AFT data may result in:
- Transaction declines
- Validation errors
- Acquirer flags
- To submit AFT data, merchants must upgrade to Judopay's Transaction API Version 6.25 or higher.
- For more information, see Transaction API.
Creating a PayByLink with AFT Data
The Account Funding Information section is displayed only for merchants configured with supported MCCs. For more information, see Applicable Merchants. f
If your account is not configured for AFT, this section will not appear and the PaybyLink flow remains unchanged.
From the Judopay Portal:
From the side menu, select PayByLink.
All existing PayByLink transactions for your account are displayed by the judoId used to create the payment link. Displaying:
- Your Payment Reference
- Expiry Date
- Amount
- Status
Click the Create Link button.
The Create a Link form appears. The AFT Recipient Information Section is also displayed for merchants configured with supported MCCs.
Enter the following details:
- Location Required If you have access to more than one judoId, you will see a Location drop down list made up of the JudoId + truncated Trading Name. Select the location based on the JudoId. From the selected JudoId, the form will automatically update: - Currency depending on enabled ECOM routes. - Extra fields if MCC = 6012 / 6051 / 7299.
- Consumer Reference Required
A unique reference to anonymously identify the consumer.
- Payment Reference Required
Your reference for this PayByLink transaction. This value should be unique in order to protect your consumers against duplicate transactions.
- Consumer Name Optional The name of the consumer for whom you are creating the PayByLink transaction.
- Consumer Email Optional The email address of the consumer for whom you are creating the PayByLink transaction.
- Amount Required
The amount to process. Format: Two decimal places. If you are looking to process currencies that use a different structure than two decimal places, please contact Judopay for support.
- Currency Required
Identifies the currency of the transaction. Please contact Judopay if you need additional currencies for your transaction.
- Expiry Date Required
The expiry date of the PayByLink payment Format: DD/MM/YYYY Must be in the future, and within a year.
AFT Recipient Information Section. Enter the following details:
- First Name Recipient's first name.
- Address Line 1 Recipient's address.
- Country Code Recipient's country Format: ISO alpha-2.
- State Required only for US & Canada
- Account ID Recipient's account identifier.
- Business Application ID Indicates the purpose of the transaction. Select from the following values:
- AA – Account to account
- FD – Funds disbursement
- FT – Funds transfer
- PD – Payroll
- TU – Top up
- WT – Digital wallet
- Account Type Indicates the recipient's account type. Select from the following values:
- 00 - Other
- 01 - TRN & BAN
- 02 - IBAN
- 03 - Card (first6 & last4)
- 06 - BAN & BIC (SWIFT code)
Click the Create button.
The Success screen appears.
Click on either the:
- Copy the link to the clipboard: The link can now be shared with the consumer. The consumer will firstly be directed to the new Billing Information screen required for the additional recipient information, and lastly the payment screen, to enter their card details.
- Download QR Code: Add the QR code to any printed materials. The code will link to the payment link.
If you are unsure which Business Application ID or Account Type values should be used for your transaction, contact your acquirer.
Validation Rules
For any missing or invalid information inline validation messages will be displayed. If only partial AFT fields have been populated, validation rules will prevent the creation of the payment link.
If none of the AFT fields are completed, the PaybyLink flow remains unchanged.
If any AFT field is populated:
- All required AFT fields must also be completed.
- Partial AFT field submissions are not supported.
- Business Application ID and Account Type must be valid supported values.
- Some Business Application ID and Account Type combinations may not be allowed. Your acquirer is responsible for confirming the appropriate configuration for your transaction scenarios.
Partial submissions are not allowed.
For the purpose of this exercise, the Address Line 1 field has been partially completed, leaving the remaining AFT fields empty, which will cause a validation error:
