RFP - merchant services provider

The City of St. George is requesting proposals for a full-service merchant services provider to develop, install, and operate credit and debit card processing services with proposals due July 2, 2026 at 2:00 p.m., and questions due June 26, 2026 at 2:00 p.m.

The vendor must supply all hardware including card terminals and swipers and demonstrate at least five years of experience processing credit and debit card transactions from major card networks and at least five public sector customers. PCI Data Security Standards compliance is required, with current PCI DSS v4.0 certification and recent audit reports. The vendor must provide a Service Organization Control (SOC) report verifying payment processing system security without non-disclosure agreement restrictions and must be a qualified public depository for public funds under Utah State Money Management Act Section 51-7-11 with audited financial statements and adequate insurance coverage.

The system must support chip cards, magnetic stripe cards, contactless payments, mobile wallets (Apple Pay, Google Pay, Samsung Pay), and interactive voice response technology; accommodate recurring payments and electronic deposit into city bank accounts by merchant ID; offer batch processing with real-time settlement; support multiple merchant IDs with department-specific reporting; and provide online transaction access, REST API capabilities, tokenization support, and comprehensive API documentation. The vendor must provide 24-hour, seven-days-per-week technical support with documented service level agreements and business continuity/disaster recovery protocols.

The City currently processes approximately 2,600 to 15,500 transactions monthly across utilities, airport, recreation centers, animal shelter, and community arts, with total sales volumes ranging from $6,000 to $580,000 per department per three-month period. The pricing proposal must itemize transparent fees for transactions by card type, monthly fees, setup charges, equipment costs, chargeback fees, and all ancillary charges. Proposals are submitted electronically via sgcity-utah.bonfirehub.com. The City reserves the right to reject any or all proposals and will not reimburse proposal preparation or presentation costs.