This web site uses IP Solutions Gateway, which processes online payments through our online payment service. Your credit card statement will show "Children's Promise" or similar as the merchant.

The site forwards your transaction to our ANZ eGate payment gateway. The payment details are then forwarded by the payment gateway via an encrypted link to our online payment system for processing. The payment gateway then interfaces with your nominated clearing bank to clear the transaction.

This web site secures the transmission of your information to the web server with 128-bit SSL or higher encryption, depending on your browser capability.

What is secret-key cryptography?

In secret-key cryptography the same key is used to encrypt and decrypt a message. It is called secret- key because the same key is shared by all communicating parties who must keep the key a secret in order to maintain confidentiality.

Definition of terms used

IP address: When you are connected to the Internet, your computer has a unique Internet ID called an IP (Internet Protocol) address. Most people that connect through a dial-up or broadband service get a different IP address each time they log on. You may have a permanently assigned IP address called a static IP address. If is difficult or impossible for a web site to collect personal information about you e.g. your name, email address from your IP address alone, though a static IP address makes this easier.

SSL encryption: SSL (Secure Sockets Layer) is a method by which information transmitted across the Internet is scrambled to the point where it's virtually indecipherable by anyone who might intercept the data before itreaches its destination. Almost all reputable online stores make use of SSL encryption to request credit card information and other sensitive data from their customers. Web pages where SSL encryption is activated are typically identified by a lock or key symbol displayed somewhere in your browser. Refer to your browser's documentation for the specific symbol and location.

How secure is ANZ eGate?

For cardholders: The use of SSL certificates on either the Bank Hosted payment page or the Merchant Hosted payment page ensures that customer card details are protected from interception during transmission. The risk of unauthorised access of card details is greatest where card details are stored by the merchant’s website. This is why, as a requirement of use, merchants using ANZ eGate must protect any stored card details by encryption.

For Merchants: Only cardholders with sufficient funds in the card’s account can successfully make a purchase using ANZ eGate. While the presence of adequate funds is guaranteed, as with any card-not-present payment system, merchants using ANZ eGate are at a greater risk of chargeback disputes because no cardholder signature is obtained at the time of purchase.

What are Verified by Visa (VbV) and MasterCard® SecureCode (MCSC)?

VbV and MCSC are measures introduced by Visa and MasterCard to provide merchants with additional protection against fraud. VbV and MCSC operate by redirecting customers to secure pages hosted by their card issuer. They are then required to verify their identity and set up shopping passwords. These measures do not cost anything extra to implement and help to reduce the risk of fraud.