The City of San Diego is seeking proposals from qualified firms to provide comprehensive citywide merchant card processing services. The selected contractor will support secure credit and debit card payment processing for City departments and the public, including point-of-sale and online payment systems. Services include EMV and contactless payment acceptance, payment gateway support, PCI DSS compliance, fraud prevention, tokenization, encryption, reporting tools, reconciliation integration with SAP systems, chargeback management, and disaster recovery support. The City requires a processor capable of supporting both in-person and online payment environments while maintaining high operational reliability, security, and transparency. The contract also includes support for merchant terminals, reporting systems, customer service, technical support, implementation assistance, and future technology enhancements. The selected vendor must provide interchange-plus pricing, maintain strong cybersecurity standards, and support the City’s evolving financial and payment infrastructure over a five-year contract term.