Virtual Terminal (MOTO)
What is a Virtual Terminal?
Virtual terminals offer an alternative way of processing transactions when traditional payment (POS) terminals are not available. These are also known as Mail Order Telephone Order transactions (MOTO).
This web-based payment system enables your customer support agents to manually input the transaction and payment information remotely on your consumer's behalf, over the telephone or via email.
MOTO transactions via a virtual terminal do not follow the 3D Secure 2 payment flow. There is a higher fraud risk associated with this.
Taking a Payment via the Virtual Terminal
Using the Judopay Portal you can accept MOTO transactions via our virtual terminal screen.
From the Judopay Portal:
From the side menu, select V-terminal.
The virtual terminal screen appears. Enter the following details:
- Location 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.
- Order ID This is your unique order identification / reference.
- Currency The available currency options in the dropdown list are defined when setting up your Judopay account. Please contact Judopay if you need additional currencies for your transaction.
- Amount 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.
Click the Continue button.
The payment screen appears. Enter the consumer's card details.
Click the Confirm Payment button.
The Payment successful screen appears.
Successfully completed transactions will be available to view in the History section of the Judopay Portal.
Account Funding Transactions
If your account is not configured for AFT, the Virtual Terminal 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.
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.
Taking a Payment 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 Virtual Terminal flow remains unchanged.
From the Judopay Portal:
From the side menu, select V-terminal.
The virtual terminal screen appears. The AFT Recipient Information Section is also displayed for merchants configured with supported MCCs. Enter the following details:
- Location 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.
- Order ID This is your unique order identification / reference.
- Currency The available currency options in the dropdown list are defined when setting up your Judopay account. Please contact Judopay if you need additional currencies for your transaction.
- Amount 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.
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 Continue button.
The Billing Information screen appears. Note: This screen is optional and will appear for merchants configured with supported AFT MCCs, to display the billing address fields required for the additional recipient information and if the billing address information has not already been provided. Enter the consumer's billing information:
- Country
- Mobile number
- Address Line
- City
- Postal code
Click the Continue button.
The Pay with card screen appears. Enter the consumer's card details.
Click the Confirm Payment button.
The Payment successful screen appears.
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 no AFT fields are completed, the payment proceeds normally.
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 First Name field has been completed, leaving the remaining AFT fields empty, which will cause a validation error:
