Internet Payment Gateway Services for PSO/CERISMA

Pakistan State Oil (PSO) through its CERISMA Head Office invites quotations for Internet Payment Gateway Services. This procurement is aimed at engaging a licensed commercial bank or a service provider partnered with an SBP-licensed bank to provide secure and compliant payment gateway services integrated with PSO/CERISMA's PCI-DSS certified systems. Items being procured: - Internet Payment Gateway Services (Qty: 1 EA) located at CERISMA Head Office The scope includes API-based authorization integration for top-up and e-commerce transactions, mandatory 3D Secure authentication, PCI-DSS certification compliance, business continuity and disaster recovery arrangements, and a dedicated UAT/sandbox environment for testing. The service provider must hold valid merchant acquiring licenses from VISA, Mastercard, China UnionPay, and PayPak. The payment gateway must ensure 99.9% uptime monthly and provide detailed transaction reporting via a multi-user web portal. Eligibility criteria require bidders to be licensed commercial banks under the State Bank of Pakistan or have formal partnerships with such banks. Valid certifications and licenses must be submitted, including PCI-DSS, 3DS capability, and merchant acquiring licenses. Bidders must also submit an undertaking on stamp paper confirming non-blacklisting and accuracy of information. The contract term is one year with possible renewal for up to two additional years upon mutual consent. Payment settlement to PSO/CERISMA will be on T+1 basis with no MDR or charges deducted at source. The quoted Merchant Discount Rate (MDR) must be inclusive of all applicable taxes and remain fixed for the contract duration. Bids must be submitted by 11th September 2026. Interested bidders should carefully review all technical and commercial requirements and ensure compliance with all documentation and certification submissions. A practical tip for bidders is to ensure early coordination with PSO/CERISMA's technical team for smooth API integration and timely testing to avoid delays in go-live. This tender offers a significant opportunity for banks to partner with Pakistan State Oil in providing critical payment infrastructure services, ensuring secure, efficient, and compliant transaction processing.