Testing Card Payments

Testing Card Payments
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.
Card Payment and Card Token Scenarios (Positive Flow)
Important to Consider
yourPaymentReference is your unique reference for each transaction.
When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Suggested Test Scenario
Expected Outcome
Tip
Process a card payment with the CV2/CVV security code included in the request.

This will check the CV2/CVV is valid for that card.
200
Successful
The CV2 field check will be performed during the transaction process.
Process a card payment without the CV2/CVV security code included in the request.
Declined
The CV2 field check will not be performed during the transaction process.
Process a card token payment with the CV2/CVV security code included in the request.

This will check the CV2/CVV and card token are valid and match the stored card details.
200
Successful
The CV2 field check will be performed during the transaction process.
When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Process a card token payment without the CV2/CVV security code included in the request.
200
Successful
The CV2 field check will not be performed during the transaction process.
When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Process a card payment with the billing address information (cardAddress block) included in the request.

This will validate the billing address is registered to that card.
200
Successful
When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Ensure the cardAddress block has the correct fields:
address1
address2
town
postCode
Required
countryCode
See here﻿ for the list of valid ISO 3166-1 format country codes.
Example cardAddress block:
"cardAddress": {  
    "address1": "CardHolder House",  
    "address2": "1 CardHolder Street",  

    "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.
Process a card payment without the billing address information (cardAddress block) included in the request.
200
Successful
﻿
Process a card token payment with the billing address information (cardAddress block) included in the request.

This will validate the billing address and card token are valid and match the stored card details.
200
Successful
Ensure the cardAddress block has the correct fields:
address1
address2
town
postCode
Required
countryCode
See here﻿ for the list of valid ISO 3166-1 format country codes.
Example cardAddress block:
"cardAddress": {  
    "address1": "CardHolder House",  
    "address2": "1 CardHolder Street",  

    "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.
When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Process a card token payment without the billing address information (cardAddress block) included in the request.
200
Successful
When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Process a card payment using the different currencies you will be implementing on your app.
200
Successful
If you do not provide a currency in the payment request, the default value (GBP) will be sent.
Ensure you have the correct currencies configured for your app.
Process a card payment for MCC 6012 merchants, with the primaryAccountDetails block included in the request.
It is mandatory for merchants who have an MCC code of 6012 to submit additional Information about the primary account holder for payment pre-authorisation.
For use by MCC 6012 merchants only.
200
Successful
Ensure you send the primaryAccountDetails block in your request:
name
This is the surname.
accountNumber
dateOfBirth
Format: YYYY-MM-DD
postCode
Example primaryAccountDetails block:
"primaryAccountDetails": {  
  "name": "Smith", 
  "accountNumber": "1234567890", 
  "dateOfBirth": "1980-01-01", 
  "postCode": "AB1 2CD"
}
For more information on API credentials and permissions, see Permissions﻿.
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Test Card Data
To simulate a successful payment use the Test Cards﻿.
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Card Payment and Card Token Request Parameters
Sandbox endpoint:
https://api-sandbox.judopay.com/transactions/payments
HTTP Method: POST
Header Parameters:
Depending on how you integrate with Judopay, you can authenticate requests by:
/paymentsession, or
TokenSecretAuth
The token and secret pair
For more information, see Authentication Methods﻿.
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Body Parameters:
Configuration Property Descriptions
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Card Payment Request Body Example
Card Token Request Body Example
Response Example
{
    "receiptId": "914568453493526528",
    "yourPaymentReference": "34a73594-f3b2-414c-a5c9-58679530b418",
    "type": "Payment",
    "result": "Success",
    "judoId": 100502814,
    "originalAmount": "5.00",
    "netAmount": "5.00",
    "amount": "5.00",
    "currency": "GBP",
    "cardDetails": {
        "cardLastfour": "1111",
        "endDate": "1222",
        "cardToken": "SOF-xFmZmEnoR_Sj9mtrCvrxhw",
        "cardType": 1,
        "cardScheme": "VISA",
        "cardFunding": "Credit",
        "cardCategory": "",
        "cardCountry": "US",
        "bank": "JPMORGAN CHASE BANK, N.A."
    },
    "cardAddress": {
    "address1": "CardHolder House",
    "address2": "1 CardHolder Street",
    "town": "CardHolder Town",
    "postCode": "AB1 2CD",
    "countryCode": 826
    },
    "consumer": {
        "yourConsumerReference": "2b45fd3f-cee5-4e7e-874f-28051db65408",
    },
   }
{
    "receiptId": "914568453493526528",
    "yourPaymentReference": "34a73594-f3b2-414c-a5c9-58679530b418",
    "type": "Payment",
    "result": "Success",
    "judoId": 100502814,
    "originalAmount": "5.00",
    "netAmount": "5.00",
    "amount": "5.00",
    "currency": "GBP",
    "cardDetails": {
        "cardLastfour": "1111",
        "endDate": "1222",
        "cardToken": "SOF-xFmZmEnoR_Sj9mtrCvrxhw",
        "cardType": 1,
        "cardScheme": "VISA",
        "cardFunding": "Credit",
        "cardCategory": "",
        "cardCountry": "US",
        "bank": "JPMORGAN CHASE BANK, N.A."
    },
    "cardAddress": {
    "address1": "CardHolder House",
    "address2": "1 CardHolder Street",
    "town": "CardHolder Town",
    "postCode": "AB1 2CD",
    "countryCode": 826
    },
    "consumer": {
        "yourConsumerReference": "2b45fd3f-cee5-4e7e-874f-28051db65408",
    },
   }
﻿
If your request was successful, you will receive a code 200 and a receiptId.
A receiptId is Judopay's unique reference for the transaction. It is used to process refunds or cancellations and to help us investigate any issues with the transaction.
﻿
Card Payment 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
To simulate an unsuccessful flow, use the following test card details:
Card Type
Card Name
Card Number
Expiry Date
Start Date
CV2
Address
Visa
Ian Lee
4221690000004963
12/22
01/18
125
274 Grove Street,
Rayvale,
Vertland
VT22 6JN
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 a payment with an invalid CV2
74
The CV2 entered is invalid.
Attempt a payment with a missing CV2.
The sandbox token has CV2 enabled, the payment request has an empty CV2 field.
31
Sorry, you've not supplied the 3-digit card security code. Please check your details and try again.
This is a model error﻿.
Attempt a payment with insufficient funds in the account.
Declined.

Card declined.

Simulate an error resulting from invalid data:
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Attempt a payment with an incorrect card number entered.
166
Unable to process transaction. No record of card number found by 3DS Server.
Attempt a payment with an invalid card expiry month = 14
161
Sorry, but the card expiry date must be in the future.
Attempt a payment using the Incorrect card token.
70
Sorry, but it looks like the card token specified is not valid.
Please check your details and try again.
Simulate an error resulting from incorrect API credentials:
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Attempt a payment using the Incorrect judoId.
77
Judo id not found, please check the judo id.
Attempt a payment with the Incorrect currency entered for the specified transaction.
 
72
Sorry, we're currently unable to route this transaction. Please check your account details and try again.
If this issue persists, please contact customer services.
This is a processing error﻿.
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For a list of possible error codes, types and descriptions, see  Error Codes and Descriptions﻿.
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Next Steps
Using the successful payment test transactions, you can test the following scenarios.
Making a:
﻿Full refund﻿﻿
﻿Partial refund﻿﻿
﻿

Suggested Test Scenario	Expected Outcome	Tip
Process a card payment with the CV2/CVV security code included in the request. This will check the CV2/CVV is valid for that card.	200 Successful	The CV2 field check will be performed during the transaction process.
Process a card payment without the CV2/CVV security code included in the request.	Declined	The CV2 field check will not be performed during the transaction process.
Process a card token payment with the CV2/CVV security code included in the request. This will check the CV2/CVV and card token are valid and match the stored card details.	200 Successful	The CV2 field check will be performed during the transaction process. When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Process a card token payment without the CV2/CVV security code included in the request.	200 Successful	The CV2 field check will not be performed during the transaction process. When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Process a card payment with the billing address information (cardAddress block) included in the request. This will validate the billing address is registered to that card.	200 Successful	When making token payments, yourConsumerReference must match the original reference when the token was initially created. Ensure the cardAddress block has the correct fields: address1 address2 town postCode Required countryCode See here for the list of valid ISO 3166-1 format country codes. Example cardAddress block: "cardAddress": { "address1": "CardHolder House", "address2": "1 CardHolder Street", "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.
Process a card payment without the billing address information (cardAddress block) included in the request.	200 Successful
Process a card token payment with the billing address information (cardAddress block) included in the request. This will validate the billing address and card token are valid and match the stored card details.	200 Successful	Ensure the cardAddress block has the correct fields: address1 address2 town postCode Required countryCode See here for the list of valid ISO 3166-1 format country codes. Example cardAddress block: "cardAddress": { "address1": "CardHolder House", "address2": "1 CardHolder Street", "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. When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Process a card token payment without the billing address information (cardAddress block) included in the request.	200 Successful	When making token payments, yourConsumerReference must match the original reference when the token was initially created.
Process a card payment using the different currencies you will be implementing on your app.	200 Successful	If you do not provide a currency in the payment request, the default value (GBP) will be sent. Ensure you have the correct currencies configured for your app.
Process a card payment for MCC 6012 merchants, with the primaryAccountDetails block included in the request. It is mandatory for merchants who have an MCC code of 6012 to submit additional Information about the primary account holder for payment pre-authorisation. For use by MCC 6012 merchants only.	200 Successful	Ensure you send the primaryAccountDetails block in your request: name This is the surname. accountNumber dateOfBirth Format: YYYY-MM-DD postCode Example primaryAccountDetails block: "primaryAccountDetails": { "name": "Smith", "accountNumber": "1234567890", "dateOfBirth": "1980-01-01", "postCode": "AB1 2CD" }

Card Type	Card Name	Card Number	Expiry Date	Start Date	CV2	Address
Visa	Ian Lee	4221690000004963	12/22	01/18	125	274 Grove Street, Rayvale, Vertland VT22 6JN

Suggested Negative Test Scenario	Expected Error Code	Error Description
Attempt a payment with an invalid CV2	74	The CV2 entered is invalid.
Attempt a payment with a missing CV2. The sandbox token has CV2 enabled, the payment request has an empty CV2 field.	31	Sorry, you've not supplied the 3-digit card security code. Please check your details and try again. This is a model error.
Attempt a payment with insufficient funds in the account.	Declined.	Card declined.
Simulate an error resulting from invalid data:
Attempt a payment with an incorrect card number entered.	166	Unable to process transaction. No record of card number found by 3DS Server.
Attempt a payment with an invalid card expiry month = 14	161	Sorry, but the card expiry date must be in the future.
Attempt a payment using the Incorrect card token.	70	Sorry, but it looks like the card token specified is not valid. Please check your details and try again.
Simulate an error resulting from incorrect API credentials:
Attempt a payment using the Incorrect judoId.	77	Judo id not found, please check the judo id.
Attempt a payment with the Incorrect currency entered for the specified transaction.	72	Sorry, we're currently unable to route this transaction. Please check your account details and try again. If this issue persists, please contact customer services. This is a processing error.

Updated 18 Oct 2024

Testing 3D Secure 2 Authentication

Testing Card PreAuths