Transparency International Hungary uses secure card-handling payment method for donations provided by CIB Bank. Security is based upon the dissociation of data. Transparency International Hungary receives the data about the donation and CIB Bank exclusively the data necessary for the financial transaction through a payment site secured by 128 bit SSL encryption. Transparency International Hungary is not made aware of the data on the payment page, only CIB Bank is. Transparency International Hungary’s webpage will notify you about the success of the transaction. In order for an online transaction to take place, your browser has to support SSL encryption. Your donation will automatically get locked on the bank account. For further information, please read our detailed guide.

Things to look out for when donating

• Read Transparency International’s guide about the usage of donations.
• Record information regarding the donation.
• Record data in connection with the payment (transaction identifier, license number).
• Make sure that no unauthorized person is able to access your card’s confidential information.
• Use a browser that supports the option of SSL encryption.

About Security

SSL, Secure Socket Layer is an accepted encryption method. CIB Bank has a 128 bit encryption key that protects the communication channel. A company named VeriSign makes the usage of the key possible through which the SSL encryption is provided. Currently, this encryption technique is used for 90% of online transactions. Your browser encrypts your personal information with SSL before sending so they arrive to the Bank encrypted. This way they are uninterpretable for unauthorized people.

Accepted Cards

The online payment system of CIB Bank allows the usage of Mastercard/Maestro, VISA and VISA Electron cards (in the case of the Electron, only if the issuing bank accepts) and web cards suitable for online payment.

Payment: step by step

• If you choose to donate via credit/debit card first you have to type in the amount of your donation on the online donation page of Transparency International Hungary.
• Next you will be transferred to CIB Bank’s secure site, where you have to fill out a form about your card data.
• Third, after filling out the aforementioned form, click on the pay button to start the transaction.
• Afterwards you will be returned to Transparency International Hungary’s website, and you will get confirmation on the result of the transaction.
• Finally, after a successful transaction CIB Bank will charge the card owner’s bank account for the amount of the donation.

If you are not returned to the Transparency International Hungary website, your transaction was unsuccessful. If you click on your browser’s back or refresh button whilst on the bank’s page or you close your browser before returning to Transparency International Hungary’s page the transaction will be incomplete.
For further information on the result of the transaction or the cause of incompletion , other details, contact your account holding bank.

FAQ about paying with a card online

Acceptance of cards

What types of cards can I pay with?

• Embossed VISA and Mastercard cards, and with certain Visa Electron cards. The possibility of the usage of VISA Electron cards depends on the issuing bank. VISA Electron cards issued by CIB can be used for online purchases.

Which banks’ cards are you eligible to pay with?

• All Visa and Mastercard/Maestro cards which are eligible to pay with online and web cards.

Can I pay with loyalty cards?

• Unfortunately, we cannot accept these kinds of cards.

Can I pay with co-branded cards?

• You are able to pay with whatever co-branded cards which is a Mastercard or VISA based card eligible for online transactions.

Process of payment

How does the background process of online payment work?

• After the costumer has chosen the online payment he or she can start the payment process. At this point the costumer will be led to the safe payment website of the bank. For payment the costumer has to give the card number, the expiration date and the CVC code. After you start the transaction, the card goes across a real time licensing. In this process the card data, coverage and shopping limit will be validated. If everything is in order the bank blocks the amount on your card. The deduction of the amount happens within a few days, depending on your bank.

What are the differences between online payment and ordinary payment?

• We can distinguish Card Present and Card not Present transactions. The Card Present transactions occur with the help of a POS terminal. After the owner gave the PIN code the terminal automatically contacts the bank of the card holder across the licensing center and the VISA or MasterCard system. The expiration and authorization control happens at this point. After that, the POS terminal receives that the payment has been accepted or not. The costumer signs the receipt. In the case of the Card not Present transaction, the card is not physically present, for example transactions via mail, phone or internet. In this case, the costumer pays via a safe payment website, with 128 bit encryption. After a successful transaction the costumer receives a license-number, which is the same as on the receipt in the case of Card Present payment.

Meaning of blocking

• After the bank is informed about the transaction, it blocks the amount. It is important because the data has to arrive and it takes a few days. And in these days the costumer could spend this money again. This amount is part of the balance but the owner cannot spend it. During the blocking process the system can deny transactions without coverage.

UNSUCCESFUL PAYMENT AND WHAT CAN YOU IN THESE CASES?

How can a transaction be unsuccessful?

• Usually the bank issuing the card does not accept the payment; but it can also happen that the license request does not reach the bank because of some computer or telecommunication mistake

Problems with the Card

• card is incapable of online payment
• online payment is forbidden by the bank
• using the card is forbidden
• card data (number of the card, validity, CVC code) is incorrect.
• card is not valid.

Problems with Account

• there is no sufficient coverage.
• the amount of transaction is more than the limit of the card.

Problems with Connection

• the line breaks during the transaction. Please, try again.
• transaction is unsuccessful because of timeout. Please try again

Technical Problems

• If you were not sent back to the original website from the payment website the transaction was unsuccessful
• If you were sent back from the payment website but the browser steps back to the payment website your transaction will be automatically denied for security reasons

What can I do in the case of unsuccessful payment?

• In the case of every transaction you will receive a transaction number. It is recommended to write this down. If your bank denied your transaction, please contact your bank.

Why should I contact the bank in the case of unsuccessful payment?

• During the card control process, the bank issuing the card informs the beneficiary’s bank whether the transaction can be carried out or not. The receiver’s bank cannot supply the information of costumers to other banks.

What does it mean if I received a text message from my bank that they blocked the amount but the beneficiary states that the transaction was unsuccessful?

• It can happen if the control process has happened on the payment website but you have not returned the beneficiary’s website. In this case the transaction is unfinished and unsuccessful. In this case, the block will be lifted.

Safety

What does VeriSign and the 128-bit encryption communication channel mean?

• The SSL is short for Secure Sockets Layer. Our bank has a 128-bit encryption key and this key protects our communications channel. The VeriSign company allows the CIB Bank to use this 128-bit key. This day, 90 percent of electronical trade uses this system. The card data is sent in a coded form to the CIB Bank and makes it impossible for a third person to interpret it.

After payment my browser warns me that I am leaving the safe zone. Is the safety of my payment guaranteed?

• Absolutely yes. The payment process happens on the 128-bit encryption communication channel so it is absolutely safe. After that you return to the beneficiary’s website and if this website is not encrypted your browser will warn you. It does not mean that your payment was not safe.

What does the CVC2/CVV2 code mean?

• In case of MasterCard this is the Card Verification Code, in case of Visa this is the Card Verification Value. It is a coded numeric value on the magnetic stripe of the card. This value can prove the validity of the card. During the online shopping you have to use the CVC2 code.

What does Verified by Visa mean?

• In the system of Verified by Visa the owners can choose a password at the bank issuing the card. This system protects against unauthorized users. The CIB Bank accepts these cards.