Citywide Merchant Card Processing Services

The Vendor is required to provide comprehensive merchant card processing solutions that provide the highest level of service quality, operational reliability, and delivers the best overall value to the City.
- Objectives:
• Provide secure credit and debit card payment processing for City Departments and the public.
• Support modern acceptance for card payments at the point of sale, including EMV chips, contactless/NTC, and mobile wallets (Apple Pay/Google Pay).
• Employ innovative, proven merchant processing technologies that improve efficiency, transparency, and cost-effectiveness for the City.
• Maintain best-in-class security controls, including delivery of PCI DSS-compliant product solutions, tokenization and point-to-point encryption (P2PE), fraud detection support, and robust disaster recovery, to safeguard payment data and reduce PCI scope.
• Ensure transparency and required customer disclosures for any customer-paid service fees, consistent with Rule and card-organization rules.
• Meet the City’s funding and reconciliation standards: T+1 settlement, grossamount deposits without netting fees, and merchant ID level separation of deposits to simplify SAP reconciliation.
• Deliver continued access to a secure online reporting portal that provides merchant-level transaction and settlement detail, supports chargeback dispute resolution, and offers flexible ad-hoc reporting capabilities.
• Where needed, ensure seamless integration with the City’s Enterprise Resource Planning System (SAP ECC 6.0) for purposes of reconciliation and reporting.
- Current Environment, Statistics and Acceptance Methods
• The City’s current merchant processor is Fiserv. The City accepts Visa, MasterCard, Discover, American Express the (via OptBlue program with current merchant processor, Fiserv) and pin-debit cards for customer payment of various City fees, fines, and services.
• In-person debit and credit card payments accepted at specified City sites are processed via SnapPay, a solution offered by Fiserv, with a 2.99% service fee assessed on each transaction.
• The City’s terminals are equipped to accept EMV (chip-card) and mobile (NFC) payments.
• The City currently utilizes the Fiserv product TransArmor on all credit card transactions. TransArmor provides tokenization and encryption, reducing the City’s PCI compliance risk. This product is deployed across all City over-thecounter terminals via centralized software push.
• The City’s current depository bank is Bank, where a designated concentration account accepts all merchant account deposits.
- Ensure settlement of credit card batches no later than next business day (T+1) for card-present and card-not-present transactions, with batch settlement times provided in Pacific Standard Time.
- Provide a dedicated merchant account number associated with each City location for tracking and reconciliation purposes.
- This merchant account number shall be included for all deposits and chargebacks, for purposes of reconciling the City’s SAP Electronic Bank Statement and all reports.
- Provide the City with the ability to void transactions that are entered into the merchant card terminals but have not yet settled.