Security is at the heart of what we do at Judopay and as a result we ensure we’re always staying on top of the latest industry-wide security updates & changes, like PCI.
What is happening?
As you may be aware by now the PCI Security Council released the PCI-DSS 3.1. The main change related to the deprecating of TLS 1.0 & SSL 3.0 as recognised secure protocols. As stated in our previous emails this means that there are a few mandatory updates you need to be aware of.
From October 20th any connection (App/Web/API) to Judopay that is not using the following will not be able to process live transactions.
What do I need to do?
Please ensure that you are using TLS 1.1 onward as a cryptographic protocol to effectively communicate with Judopay’s systems with both sandbox and live environments.
Please ensure that you have implemented the SHA-256 certificate to ensure the communication between both sides are well protected against cryptographic attacks.
Web payments & Web payments API
If you’re using our Web payments solution or have integrated using our Web payments API make sure you’re using the latest major version of our API (5.0+) and your are pointing to the correct endpoint (https://gw1.judopay.com/). Both settings are listed in the transaction header declaration before the payment request.
If you’re using any of our SDKs please ensure that you are using:
• iOS SDK (Kit ObjC and Kit Swift) version 6.0 or newer
• Android version 5 onward
• Xamarin version 2.3.0 or later
• .NET SDK 1.1.113 or newer
These SDKs can be found on Github.
If you would like to test these changes our sandbox environment is currently updated with the above changes.
If you require any support with this migration please contact firstname.lastname@example.org.
‘Aaarghh – why are they asking me for all this, all I want is to pay!’
I am often heard growling something along those lines (swearing omitted), when I try to complete a payment from my phone.
As the UX lead at Judopay, when faced with poor checkout experiences – that, I some years ago might have accepted as the painful way of things – now invoke similar reactions in me as when my older relatives are having ‘computer problems’, blood pressure included. read more
After launching in the US last year, Android Pay™ is finally coming to the UK. It has enormous potential to make 2016 a very significant year for mobile payments. Android has a 51.9 %* market share in the UK which means millions of Android users will now be able to pay for things quickly and securely with just a single tap, whether in-store or in-app.
As an app developer or retailer – you have the sweetest opportunity to engage, and sell – to your loyal customer base in the coming months. Furthermore, this is the time of year to attract and retain new customers with great offers during a time of commercial frenzy.
Experts have predicted that the frenzy of Black Friday can ‘lead to the first £1bn online shopping day in the UK’. A recent survey also suggested that many shoppers have been put off by the frantic in-store shopping experience, and hence ‘only 38 per cent of Britons plan to hit the shops on Black Friday as opposed to 44 per cent last year’.
To help you get ready for the impending holiday season, we have pulled together some tips to make sure your mobile app is prepared when shoppers arrive looking for holiday deals.
Mobile now accounts for more than a quarter of all e-commerce transactions globally, and that number is increasing rapidly as our shopping behaviour continues to shift towards mobile first. The speed of commerce growth on mobile channels is now 3 times faster than on traditional e-commerce channels. UK commuters are already spending £9.3bn a year on the supercomputers in their pockets. We are increasingly trained to expect the purchasing experience on mobile to not only be easy but also fast. Which is why an overwhelming 69% of consumers would abandon a purchase if the checkout process within an app or website is not optimised for mobile devices.
Why is it then, that most of the top 100 retailers in the UK are still failing to offer customers a quick and seamless native mobile checkout experience?
As consumers’ interest and excitement for Apple Pay escalate throughout this month, there are certain things that merchants should be prepped for before its arrival.
For example, if a customer purchase something from you via Apple Pay, how exactly do you process a return if needed? No idea? I’ve done a little digging and this is what I found on Apple’s support page: read more
What is Apple Pay?
Apple Pay is an easy, secure, private way for customers to pay while they’re dining in or ordering through an app. It is currently available on devices that has a secure element chip, which is a hardware chip dedicated to securely storing card information. These devices include iPhone 6, 6 Plus, iPad Air 2, iPad mini 3, and the Apple Watch (when paired with an iPhone 5 or 6)
Since the announcement of Apple Pay‘s inevitable expansion to the UK, many commentators has been speculating the impact it will have on in-store retail. Will consumers and merchants jump quickly on-board with the service? Will it really make paying for goods and services easier at a physical location?
What we haven’t talked enough about is the impact it will have on paying for goods and services within an app. Think about it, the next time you want to splurge on a nice sofa for your living room, you can simply use Apple Pay to complete checkout in just 1 step. No more account setup. No more lengthy forms for billing and shipping information. No more time to abandon a purchase before checkout is complete.
This article in UK’s Business Insider explores why being able to pay for goods and services in-app with one touch is truly where Apple Pay shines.
17 June, London 2015 – Judo Payments, Europe’s only mobile-first payments platform, today announces its partnership with Pennies, the digital charity box. Pennies is a micro-donation charity which created the digital charity box to give people the opportunity to donate a few pence to charity when paying for goods and services by card, whether in-store, online or via mobile. To date Pennies has raised over £4m for UK based charities.
Working with Judo, Pennies is set to continue harnessing the rapid consumer adoption of mobile and bring further advocacy to mobile channels. By enabling the digital charity box with its payments platform, Judo will be giving even more people the chance to make micro-donations simply, quickly and securely. If all UK cardholders donated 30p to charity each month this way, the amount raised would exceed £150m each year.
9 June, London 2015 – Judo Payments, Europe’s only mobile-first payments platform, today confirms its announcement as one of the payments platform providers selected to support Apple Pay when it launches in the UK in July.
The UK launch is set to transform mobile payments, providing an easy, secure and private way to pay for physical goods and services across a number of mobile apps, such as clothing, tickets and groceries in iOS apps. Judo is working with key merchants to ready their mobile apps for Apple Pay’s launch next month.