Credit Card Processing Services

Description

The Atlantic County Utilities Authority (ACUA) is soliciting proposals from qualified and experienced financial institutions and merchant service providers to furnish Credit Card Processing Services, including—but not limited to—merchant acquiring, payment gateway services, point-of-sale (POS) solutions, online and recurring payment capabilities, EMV-compliant equipment, chargeback management, reporting tools, customer service support, and related financial technology enhancements. This procurement is being conducted as a Competitive Contracting process pursuant to N.J.S.A. 40A:11-4.1 et seq. and N.J.A.C. 5:34-4.1 et seq.The purpose of this RFP is to secure a contract that delivers efficient, secure, scalable, and cost-effective credit card processing for all designated payment environments used by the ACUA. These environments may include in-person transactions, online portals, mobile applications, utility or fee payments, recurring or automatic billing, and any additional platforms requiring compliant electronic payment acceptance.Proposers must demonstrate a robust capacity to process high-volume transactions, maintain PCI-DSS (Payment Card Industry Data Security Standard) compliance, support modern security protocols (tokenization, encryption, fraud monitoring), and provide transparent, predictable cost structures that reduce the total cost of payment acceptance for the ACUA.The Atlantic County Utilities Authority (ACUA) charges fees for disposal services and other related activities provided to both public and private agencies. Customers may pay these fees using cash, credit cards, debit cards, or through established accounts with the Authority. Currently, ACUA accepts credit and debit card payments through two term