---
title: "Provision of Banking & Merchant Services"
ocid: "ocds-h6vhtk-0787db"
canonical_url: "https://d3tenders.com/contract/?ocid=ocds-h6vhtk-0787db"
markdown_url: "https://d3tenders.com/contract/ocds-h6vhtk-0787db.md"
json_url: "https://d3tenders.com/contract/ocds-h6vhtk-0787db.json"
source: "Find A Tender Service"
current_stage: "Tender"
buyer: "South Ayrshire Council"
published: "2026-10-14"
---

# Provision of Banking & Merchant Services

Buyer: South Ayrshire Council  
Current stage: Tender  
OCID: ocds-h6vhtk-0787db

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## Summary

South Ayrshire Council is procuring banking and merchant services, split into two lots, for its services in South Ayrshire. The banking lot covers day-to-day banking, including bank accounts, cash and liquidity management, payment processing and associated treasury support. The merchant services lot covers secure acceptance, processing and settlement of card payments across Council services and customer payment channels. Both lots concern financial services. Suppliers may be interested in either the Council’s broader banking and treasury requirements or its card-payment infrastructure and transaction handling.

The Council invited offers through an open procedure for two lots. The submission deadline was 26 November 2026 at 12:00 UTC; the bid opening was set for the same time. The planned contract period for each lot is 1,800 days, with a possible two-year renewal. Quality and price each carry equal weight in evaluation for both lots. Bids must be in English, and variants are not allowed. The procurement documents set out the economic and technical selection criteria. The Council intends this to be recurrent procurement, to be advertised again in approximately seven years. No tender value is published in the supplied details.

This opportunity suits banks and financial-services providers able to deliver routine public-sector banking, cash and liquidity management, payment processing and treasury support. Suppliers with merchant acquiring and card-payment processing capabilities may be suited to the second lot, which requires secure acceptance and settlement across several Council service areas and customer channels. For the merchant services lot, the supplier must hold Payment Card Industry Data Security Standard (PCI DSS) certification or an equivalent, or commit to obtaining it before the contract starts. The two-lot structure allows suppliers to focus on banking, merchant services or both. Community benefits form part of the requirement; their expected content is set out in the procurement documents.}

## Notice

South Ayrshire Council (the Council) has a requirement to establish a contract for the delivery of Banking Services and Merchant Services via two (2) lots. Lot 1 - Banking Services. The provision of day-to-day banking services, including bank accounts, cash management, liquidity management, payment processing and associated treasury support services. Lot 2 - Merchant Services. The provision of merchant services to facilitate the secure acceptance, processing and settlement of card payments across a range of Council service areas and customer payment channels.

### Lot Information

Banking Services

The provision of day-to-day banking services, including bank accounts, cash management, liquidity management, payment processing and associated treasury support services.

Renewal: + 2 years

Merchant Services

The provision of merchant services to facilitate the secure acceptance, processing and settlement of card payments across a range of Council service areas and customer payment channels.

Renewal: + 2 years

## Key Details

| Field | Value |
| --- | --- |
| Publication source | Find A Tender Service |
| Latest notice | https://www.find-tender.service.gov.uk/Notice/097154-2026 |
| Notice type | Tender Notice |
| Procurement type | Standard |
| Procurement category | Services |
| Procurement method | Open |
| Procurement method details | Open procedure |
| Tender suitability | Not specified |
| Awardee scale | Not specified |
| All stages | Tender |

## Dates

| Field | Value |
| --- | --- |
| Publication date | 14 Oct 2026 |
| Submission deadline | 26 Nov 2026 |
| Future notice date | Not specified |
| Award date | Not specified |
| Contract period | Not specified |
| Recurrence | Yes, this is a recurrent procurement and will be advertised again in approximately seven (7) years |

## Values

| Field | Value |
| --- | --- |
| Tender value | Not specified |
| Lots value | Not specified |
| Awards value | Not specified |
| Contracts value | Not specified |

## Status

| Field | Value |
| --- | --- |
| Tender status | Active |
| Lots status | Active |
| Awards status | Not specified |
| Contracts status | Not specified |

## Buyer

| Field | Value |
| --- | --- |
| Main buyer | South Ayrshire Council |
| Locality | AYR |
| Postcode area | Kilmarnock |
| Postcode | KA7 1DR |
| Country | Scotland |
| ITL 1 | TLM Scotland |
| ITL 2 | TLM9 Southern Scotland |
| ITL 3 | TLM94 South Ayrshire |
| Local authority | South Ayrshire |
| Electoral ward | Ayr West |
| Westminster constituency | Ayr, Carrick and Cumnock |
| Delivery location | TLM94 South Ayrshire |

## CPV Codes

### Divisions

- 66 - Financial and insurance services

### Codes

- 66000000 - Financial and insurance services
- 66100000 - Banking and investment services
- 66111000 - Central bank services

## Release History

- 14 Oct 2026 at 15:50 - Tender - Tender Notice - https://www.find-tender.service.gov.uk/Notice/097154-2026

## Notice URLs

- http://www.publiccontractsscotland.gov.uk/info/InfoCentre.aspx?ID=2343
- http://www.south-ayrshire.gov.uk/procurement/
- https://api.publiccontractsscotland.gov.uk/v1/Notice?id=ocds-r6ebe6-0000845730
- https://www.gov.scot/policies/public-sector-procurement/community-benefits-in-procurement/
- https://www.publiccontractsscotland.gov.uk/search/Search_AuthProfile.aspx?ID=AA00405
- https://www.publictendersscotland.publiccontractsscotland.gov.uk/esop/pts-host/public/pts/web/login.html?VISITORID=b5ad006c-e15e-4362-b698-e7b6a7bcdd65&_ncp=1791985388926.29217-1

## Provenance

This Markdown file is an alternate public rendering of the D3 Tenders contract record. The canonical page is https://d3tenders.com/contract/?ocid=ocds-h6vhtk-0787db. The underlying structured data is available as OCDS JSON at https://d3tenders.com/contract/ocds-h6vhtk-0787db.json.