Public procurement notice: Contract Notice
Published: 2025-06-26
Buyer: Helsingin Seudun Liikenne - kuntayhtymä
Country: FI
Region: FI1B1
Contract type: Services
Procedure: Open procedure
CPV classification: 55900000 | 72000000
Submission deadline: 2025-09-19
Award criteria: price, quality

Technical requirements: The economic operator is in any analogous situation like bankruptcy arising from a similar procedure under national laws and regulations.
The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision or control therein has been the subject of a conviction by final judgment for corruption, by a conviction rendered at the most five years ago or in which an exclusion period set out directly in the conviction continues to be applicable.
The economic operator is in arrangement with creditors.
The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision or control therein has been the subject of a conviction by final judgment for participation in a criminal organisation, by a conviction rendered at the most five years ago or in which an exclusion period set out directly in the conviction continues to be applicable.
The economic operator has entered into agreements with other economic operators aimed at distorting competition.

Eligibility requirements: Other economic and financial requirements
Economic or financial requirement and a description of it:
Credit Rating Requirement
All Tenderers must possess a credit rating of "BBB" or higher from S&P Global Ratings, Moody's, or Fitch 
Ratings. Alternatively, a credit rating of "A" or higher from Suomen Asiakastieto Oy is also acceptable. Tenderers 
with lower credit ratings will not be considered.
If the Tender's credit rating is lower than "A" from Suomen Asiakastieto Oy or lower than "BBB" from S&P Global 
Ratings, Moody's or Fitch Ratings, the Tenderer shall be excluded from competitive tendering.
In the "Description" section, the Tenderer shall state its Rating Alfa rating or other rating, and a statement on the 
basis of which the rating can be considered to meet the requirement. The Tenderer must submit, as an attachment 
to his tender, Asiakastieto Oy's Rating Alfa report, which is less than three months old from the date of its submission, 
or a statement (which is less than three months old from the date of its submission) prepared by another 
equivalent independent assessor, such as an auditor, stating that the credit rating meets the required level. If the 
tender is submitted as a
group, all members of the group must meet the above-mentioned requirement regarding the Tender's
financial position. If the Tenderer is a newly established company, it must submit a statement prepared by an 
independent assessor, such as an auditor, that its credit rating meets the required level.
Service contracts require a specific authorization
Is a particular authorisation needed in order to be able to perform the service in question in the country of 
establishment of the economic operator?
Authorisation:
The tenderer must be duly authorized and registered as a payment institution in European Banking Authority’s 
Payment Institutions Register (https://euclid.eba.europa.eu/register/pir/search) in accordance with applicable 
legislation (e.g., PSD2 or equivalent national regulation) and it must have licence to operate in Finland, or if the 
tenderer is operating as a bank, it must be duly authorized and registered as a bank supervised by European 
Central Bank (ECB) on ECB’s list of supervised banks (https://www.bankingsupervision.europa.eu/framework
/supervised-banks/html/index.en.html).
During the reference period, the economic operator has provided the following main services of the type specified:
Contracting authorities may require up to three years and allow experience dating from more than three years.
Requirement:
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. 
Supplier's omni-channel solution (e.g. payment terminals and e/m-Commerce checkout solutions) must be a 'off the-shelf' -product and used by other customers, in other words solution must be ready to be used immediately after agreement is signed. 
Supplier must have 3 reference customers and Supplier must provide names of those customers in the 
"Description" field. If those reference customers are listed on Supplier's public webpage, Supplier must attach 
direct link to the webpage.
For more detailed information, please refer to Appendix 3. HSL's Terms and Conditions & SLA Requirements
Price, Weight 50%, Points Max710 

Price 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.
Quality, Weight 50%, Points Max710

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.
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.