Payment Service Provider (PSP) and Card Acquiring

Object of procurement is an omnichannel payment acceptance and card acquiring solution with the aim of making HSL’s payment acceptance processes more user-friendly, efficient, compliant, and more agile to develop and manage. The omnichannel solution includes physical in-store payment terminals, unattended terminals to outdoor self-service environment, an online payment checkout solutions for HSL's digital channels, a wide selection of payment methods and PSP services for all mentioned sales channels, all necessary software updates (including general bug fixes, security updates, PCI DSS-, legislation-, and payment scheme compliance) and hardware updates during the contract period, a reporting and management portal (including necessary APIs), all PSP’s internal daily processes and necessary staff resources for delivering its service to HSL, and customer service support for HSL in using the procured service. HSL requires that the Supplier is a well-known and reputable company which is specialized into payment solutions, capable of ensuring the daily operation, compliance, and future development of the omnichannel payment solution on behalf of HSL. The omnichannel payment solution (including all aspects described in the procurement) is procured as a service. This means that the Supplier will take care of the solution in exchange for a monthly service fee paid by HSL to the Supplier. HSL is not interested in purchasing software development teams, hardware or software code. The omnichannel payment solution is a mandatory requirement, and it is not possible to offer the card acquiring service described in the optional requirements without also offering the omnichannel payment solution. Based on the received offers, HSL may choose to procure both services, but if the offers for the card acquiring service do not meet the requirements or are not competitive in terms of price, then HSL may choose to procure only the omnichannel payment solution. If HSL decides to procure both services, they will be procured from only one supplier. HSL reserves the right to suspend the procurement procedure for a real and legitimate reason. The procurement includes mandatory requirements and optional requirements. Mandatory requirements are the minimum requirements that the Supplier's offer must include. Optional requirements are additional features that the Supplier's offer may include. During the contract period, HSL may order additional payment terminals and checkout solutions from the Supplier, as well as other products, services and activation of payment methods. However, HSL won’t commit to any additional orders or activation of optional payments methods. All the deadlines specified in the invitation to tender are given in Finnish time. See also Appendix 1. Object of Procurement.