Payment Service Provider (PSP) and Card Acquiring 2026

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 must include: - 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. Payment acceptance is critical for HSL’s business and therefore HSL requires that the Supplier is a well-known and reputable company and has local physical presence, including staff and office, and which is specialized into merchant payment acceptance solutions, capable of ensuring the daily operation, security, compliance, and future development of the omnichannel payment solution on behalf of HSL. Local presence is essential because of criticality of payment acceptance. The omnichannel payment solution and acquiring (including all aspects described in the procurement) is procured as a service from one Supplier. This means that the Supplier will be responsible of all obligations of agreement towards HSL, and that the Supplier will take care of the whole solution in exchange for a monthly service fee paid by HSL to the Supplier. If the tender is made as a group of economic operators, the group shall be jointly and severally liable for the Services in relation to HSL. If the Supplier uses subcontractors in the provision of the Services, the Supplier shall be responsible for the work of its subcontractor as if it was its own and shall be responsible for the subcontractor complying for its part with the obligations laid down in the procurement agreement. HSL is not interested in purchasing software development teams, hardware or software code. Supplier's omnichannel solution must be a up-and-running and ready 'off-the-shelf' -product and used by other merchants. In other words solution must be ready to be used immediately after agreement is signed. 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. Please note that the sanctions concerning delays are specified in ‘HSL's Terms and Conditions & SLA Requirements’ (Appendix 3 of the Call for tenders). 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. HSL reserves the right to suspend the procurement procedure for a real and legitimate reason. Validator devices or any other equipment used in buses, trains, trams, ferries and metro stations are not scope of this procurement All the deadlines specified in the invitation to tender are given in Finnish time. See also Appendix 1. Object of Procurement.