Payment Service Provider (PSP) and Card Acquiring 2026

Helsingin Seudun Liikenne - kuntayhtymä

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.

Määräaika

Tarjousten vastaanottamisen määräaika oli 2026-01-16. Hankinta julkaistiin 2025-12-12.

Kuka?

• Helsingin Seudun Liikenne - kuntayhtymä

Mitä?

Missä?

• Helsinki-Uusimaa › Helsinki-Uusimaa

Hankintojen historia

Päivämäärä	Asiakirja
2025-12-12	hankintailmoitus

hankintailmoitus (2025-12-12)
Kohde
Hankinnan laajuus
Otsikko: Payment Service Provider (PSP) and Card Acquiring 2026
Viitenumero: 308/02.08.00/2025
Lyhyt kuvaus:
“Object of procurement is an omnichannel payment acceptance and card acquiring solution with the aim of making HSL’s payment acceptance processes more...”

Lyhyt kuvaus

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.

Sopimustyyppi: Palvelut
Tuotteet/palvelut: Vähittäiskaupan palvelut 📦
Täydentävä hankintalaji: Tavarahankinnat
Suorituspaikkaa koskevat rajoitukset: Missä tahansa Euroopan talousalueella
Kuvaus
Sisäinen tunniste: 308/02.08.00/2025
Tämä hankinta soveltuu myös pienille ja keskisuurille yrityksille (pk-yrityksille) ✅
Hankinnan kuvaus:
“Object of procurement is an omnichannel payment acceptance and card acquiring solution with the aim of making HSL’s payment acceptance processes more...”

Hankinnan kuvaus

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.

Lisätietoja:
“Contract Period The agreement shall be valid for a fixed period of two (2) years. After the fixed term, the agreement shall remain valid for indefinite time...”
Sopimustyyppi: Palvelut
Tuotteet/palvelut: Vähittäiskaupan palvelut 📦
Lisätuotteet/palvelut: Älykortinlukijat 📦
Pankkipalvelut 📦
Tietotekniset palvelut: neuvonta, ohjelmistojen kehittäminen, Internet ja tuki 📦
Edistettävä sosiaalinen tavoite: Oikeudenmukaiset työolot
Täydentävä hankintalaji: Tavarahankinnat
Kesto: 48 (MONTH)
Jäljempänä oleva aikataulu on ilmaistu kuukausina.
Sopimuksen optiokausien enimmäismäärä: 1
Lisätietoja uusimisesta:
“Contract Period The agreement shall be valid for a fixed period of two (2) years. After the fixed term, the agreement shall remain valid for indefinite...”
Myöntämisperusteet
Hinta ✅
Hinta (painotus): 50
Laatukriteeri (nimi): Quality, Weight 50%, Points Max 1210 Quality score calculation formula: tendered value --------------------------- * 50 (maximum points) largest entered value For more detailed information, please refer to Appendix 2: Mandatory and Optional Requirements and Pricing and Appendix 1. Object of Procurement.
Laatukriteeri (painotus): 50
Otsikko
Erän tunnistenumero: LOT-0000
Hankinnan laajuus
Lisätuotteet/palvelut: Älykortinlukijat 📦
Pankkipalvelut 📦
Tietotekniset palvelut: neuvonta, ohjelmistojen kehittäminen, Internet ja tuki 📦

Menettely
Toimenpiteen tyyppi
Avoin menettely ✅
Oikeusperusta: Direktiivi 2014/25/EU
Hallinnolliset tiedot
Tarjousten tai osallistumishakemusten vastaanottamisen määräaika: 2026-01-16 12:00:00 📅
Tarjousten avaamista koskevat ehdot: 2026-01-16 12:10:00 📅
Kielet, joilla tarjoukset tai osallistumishakemukset voidaan jättää: englanti 🗣️
Vähimmäisaika, jonka kuluessa tarjoajan on pidettävä tarjous voimassa: 8
Tarjouspyynnön ehdot
Tarjoaja voi jättää useamman kuin yhden tarjouksen
Tarjousten avaamisen päivämäärä: 2026-01-16 12:10:00 📅
Kielet, joilla tarjoukset tai osallistumishakemukset voidaan jättää: englanti 🗣️
Sähköinen laskutus: Pakollinen
Sähköistä maksua käytetään ✅
Lisätietojen pyytämisen määräaika: 2025-12-31 11:00:00 📅
Myöntämisperusteet
Painotustyyppi: Painotus (pisteinä, tarkka)
Tarjouspyynnön ehdot
Sopimukseen sisältyy suoritusehtoja ✅

Oikeudelliset, taloudelliset, rahoitukselliset ja tekniset tiedot
Osallistumisehdot
Tärkeimmät rahoitusehdot ja maksujärjestelyt ja/tai viittaus niitä koskeviin säännöksiin:
“HSL's operations are funded by municipal contributions from its member municipalities and by ticket revenues.”
Sopimukseen liittyvät ehdot
Sopimuksen täytäntöönpanoehdot:
“For more detailed information, please refer to Appendix 3. HSL's Terms and Conditions & SLA Requirements”
Osallistumisehdot
Poissulkemisperuste: Korruptio
Petos
Rahanpesu tai terrorismin rahoitus
Rikollisjärjestön toimintaan osallistuminen
Terrorismirikokset tai terroritoimintaan liittyvät rikokset
Lapsityövoima ja muut ihmiskaupan muodot
Ympäristölainsäädännön mukaisten velvoitteiden rikkominen
Työlainsäädännön mukaisten velvoitteiden rikkominen
Sosiaalilainsäädännön mukaisten velvoitteiden rikkominen
Toisten talouden toimijoiden kanssa kilpailun vääristämiseksi tehdyt sopimukset
Ammatin harjoittamiseen liittyvä vakava virhe
Väärien tietojen antaminen, tietojen salaaminen, vaadittujen asiakirjojen toimittamatta jättäminen tai tätä menettelyä koskevien luottamuksellisten tietojen saaminen
Talouden toimijan hankintamenettelyyn osallistumisesta johtuvat eturistiriidat
Välitön tai välillinen osallistuminen tämän hankintamenettelyn valmisteluun
Ennenaikainen irtisanominen, vahingonkorvaukset tai muut vastaavat seuraamukset
Puhtaasti kansallisten poissulkemisperusteiden nojalla asetettujen velvoitteiden rikkominen
Sosiaaliturvamaksujen maksamiseen liittyvän velvoitteen rikkominen
Verojen maksamiseen liittyvän velvoitteen rikkominen
Liiketoiminta on keskeytetty
Konkurssi
Järjestelyt velkojien kanssa
Maksukyvyttömyys
Varat selvitysmiehen hallinnassa
Kansallisesta lainsäädännöstä johtuva konkurssia tai muuta sellaista vastaava tilanne
Kuvaus poissulkemisperusteista:
“The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision...”

“The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision...”

Näytä lisää (22)

“The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision...”

“The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision...”

“The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision...”

“The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision...”

“The economic operator has breached its obligations in the field of environmental law.”

“The economic operator has breached its obligations in the field of labour law.”

“The economic operator has breached its obligations in the field of social law.”

“The economic operator has entered into agreements with other economic operators aimed at distorting competition.”

“The economic operator is guilty of grave professional misconduct.”

“The economic operator can confirm that: a) It has been guilty of serious misrepresentation in supplying the information required for the verification of...”

“The economic operator is aware of any conflict of interest, as indicated in national law, the relevant notice or the procurement documents due to its...”

“The economic operator or an undertaking related to it has advised the contracting authority or contracting entity or otherwise been involved in the...”

“The economic operator has experienced that a prior public contract, a prior contract with a contracting entity or a prior concession contract was terminated...”

“Any person who is a member of the economic operator’s administrative, management or supervisory body or has powers of representation, decision or control...”

“The economic operator has breached its obligations relating to the payment social security contributions, both in the country in which it is established and...”

“The economic operator has breached its obligations relating to the payment of taxes, both in the country in which it is established and in Member State of...”

“The business activities of the economic operator are suspended.”

“The economic operator is bankrupt.”

“The economic operator is in arrangement with creditors.”

“The economic operator is the subject of insolvency or winding-up.”

“The assets of the economic operator are being administered by a liquidator or by the court.”

“The economic operator is in any analogous situation like bankruptcy arising from a similar procedure under national laws and regulations.”

Hankintaviranomainen
Nimi ja osoitteet
Nimi: Helsingin Seudun Liikenne - kuntayhtymä
Kansallinen rekisterinumero: 2274586-3
Postiosoite: Opastinsilta 6A, PL 100
Postinumero: 00077
Postitoimipaikka: Hsl
Alue: Helsinki-Uusimaa 🏙️
Maa: Suomi 🇫🇮
Yhteyspiste: hankinnat@hsl.fi
Sähköposti: hankinnat@hsl.fi 📧
Puhelin: +358 947664444 📞
URL: http://www.hsl.fi 🌏
Päätoimi
Kaupunkien rautatie-/kevytraide-, metro-, raitiotie-, johdinauto- tai linja-autopalvelut
Viestintä
Asiakirjojen URL-osoite: https://tarjouspalvelu.fi/hsl?id=587460&tpk=b3ee61ab-6622-46e6-99db-7c355b14e77d 🌏
Osallistumisen URL-osoite: https://tarjouspalvelu.fi/hsl?id=587460&tpk=b3ee61ab-6622-46e6-99db-7c355b14e77d 🌏
Tarjouksen/hakemuksen jättäminen sähköisesti: Pakollinen

Täydentävät tiedot
Lisätietoja

“Contract Period The agreement shall be valid for a fixed period of two (2) years. After the fixed term, the agreement shall remain valid for indefinite time...”
Arvostelurunko
Nimi: Markkinaoikeus
Kansallinen rekisterinumero: 3006157-6
Postiosoite: Radanrakentajantie 5
Postinumero: 00520
Postitoimipaikka: Helsinki
Alue: Helsinki-Uusimaa 🏙️
Maa: Suomi 🇫🇮
Sähköposti: markkinaoikeus@oikeus.fi 📧
Puhelin: +358 295643300 📞
URL: http://www.oikeus.fi/markkinaoikeus 🌏
Palvelu, josta voi saada tietoja uudelleentarkastelumenettelystä
Nimi: Markkinaoikeus
Kansallinen rekisterinumero: 3006157-6
Postiosoite: Radanrakentajantie 5
Postinumero: 00520
Postitoimipaikka: Helsinki
Alue: Helsinki-Uusimaa 🏙️
Maa: Suomi 🇫🇮
Sähköposti: markkinaoikeus@oikeus.fi 📧
Puhelin: +358 295643300 📞
URL: http://www.oikeus.fi/markkinaoikeus 🌏
Uudelleentarkastelumenettely
Tarkat tiedot uudelleentarkastelumenettelyjen määräajasta (määräajoista):
“Markkinaoikeus”
Tietoa sähköisistä työnkuluista
Sähköinen laskutus hyväksytään
Sähköistä maksua käytetään
Lähde: OJS 2025/S 242-834972 (2025-12-12)

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