✓Tender information last checkedLast checked 14 Oct 2026, 17:21.
Opportunity overview
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.
Classification
CPV66000000 — Financial and insurance services
CPV66100000 — Banking and investment services
CPV66111000 — Central bank services
Lots
Banking ServicesValue not stated
Merchant ServicesValue not stated
Published notice details
Additional information from the published procurement release. Fields appear only when supplied by the source; check the original notice and tender documents before acting.
It is a requirement of this procurement that Tenderers hold, or can commit to
obtain, prior to the commencement of any subsequently awarded Contract, the
accreditations indicated below:
Lot 2 – Merchant Services Only
Payment Card Industry Data Security Standard (PCI DSS) or an equivalent certification
Applies To
supplier
Contract terms
Performance Terms
Please refer to Procurement documents
Has Electronic Ordering
Yes
Electronic Invoicing Policy
allowed
Has Electronic Payment
Yes
Covered By
GPA
Tender Period
Ends
26 Nov 2026, 12:00
Submission terms
Languages
en
Bid Validity Period
Duration In Days
120
Expected award period
Starts
26 Nov 2026, 12:00
Bid Opening
Date
26 Nov 2026, 12:00
Recurrence
Description
Yes, this is a recurrent procurement and will be advertised again in approximately seven (7) years
Lots and requirements
Entry 1
Id
1
Title
Banking Services
Description
The provision of day-to-day banking services, including bank accounts, cash management, liquidity management, payment processing and associated treasury support services.
Has Renewal
Yes
Has Options
No
Status
active
Award criteria
Criteria
Criterion 1
Name
Quality
Type
quality
Description
50
Criterion 2
Type
price
Description
50
Contract period
Duration In Days
1,800
Renewal
Description
+ 2 years
Submission terms
Variant Policy
notAllowed
Entry 2
Id
2
Title
Merchant Services
Description
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.
1 published notice version reviewed by ProcuraAxis.
1 VERSION
1
097154-2026tender ·
PROCURAAXIS ANALYSIS
ProcuraAxis Analysis
Our approved analysis of the opportunity appears below the official tender information.
ANALYSIS PREVIEW
Opportunity intelligence at a glance
South Ayrshire Council is running an open tender for two service lots: day-to-day banking and merchant card-payment services. Lot 1 covers accounts, cash and liquidity management, payment processing and treasury support. Lot 2 covers secure acceptance, processing and settlement of card payments across Council services and customer payment channels. The stated submission deadline is 26 November 2026 at 12:00 UTC.
Who this may suit
Best suited to banking and payment-services providers able to bid for one or both lots. Detailed selection requirements, contract value and contract duration are not supplied.
Key points identified
Lot 1 scopeDay-to-day banking services including bank accounts, cash management, liquidity management, payment processing and associated treasury support services.Evidence: Lot 1 description: "The provision of day-to-day banking services, including bank accounts, cash management, liquidity management, payment processing and associated treasury support services."
Lot 2 scopeMerchant services for secure acceptance, processing and settlement of card payments across Council services and customer payment channels.Evidence: Lot 2 description: "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."
Selection requirementsUnknown; economic and technical selection-criteria documents are referenced but their contents are not supplied.Evidence: Documents list contains document types "economicSelectionCriteria" and "technicalSelectionCriteria" with no title or URL.
94% approved-analysis confidence4 supplier criteria identified4 risks or unknowns
ProcuraAxis structures information found in published procurement records, checks the result for consistency and publishes only approved analysis. Confidence describes the completeness and consistency of the available source information; it is not a guarantee of eligibility or contract award.
South Ayrshire Council is running an open tender for two service lots: day-to-day banking and merchant card-payment services. Lot 1 covers accounts, cash and liquidity management, payment processing and treasury support. Lot 2 covers secure acceptance, processing and settlement of card payments across Council services and customer payment channels. The stated submission deadline is 26 November 2026 at 12:00 UTC.
Who this may suit
Best suited to banking and payment-services providers able to bid for one or both lots. Detailed selection requirements, contract value and contract duration are not supplied.
Key deliverables
Lot 1: day-to-day banking, bank accounts, cash management, liquidity management, payment processing and associated treasury support.
Lot 2: secure card-payment acceptance, processing and settlement.
SUPPLIER REQUIREMENTS
4 criteria identified
Lot 1 scope
99% confidence
Day-to-day banking services including bank accounts, cash management, liquidity management, payment processing and associated treasury support services.
View supporting evidence
Lot 1 description: "The provision of day-to-day banking services, including bank accounts, cash management, liquidity management, payment processing and associated treasury support services."
Lot 2 scope
99% confidence
Merchant services for secure acceptance, processing and settlement of card payments across Council services and customer payment channels.
View supporting evidence
Lot 2 description: "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."
Selection requirements
98% confidence
Unknown; economic and technical selection-criteria documents are referenced but their contents are not supplied.
View supporting evidence
Documents list contains document types "economicSelectionCriteria" and "technicalSelectionCriteria" with no title or URL.
Eligibility conditions
97% confidence
Unknown from supplied notice data.
View supporting evidence
No eligibility, exclusion, company-size or supplier-status conditions are stated in the supplied fields.
COMMERCIAL AND DELIVERY
Contract intelligence
Commercial
Contract value
100% confidence
Unknown.
View supporting evidence
Process value_min, value_max and currency are null; both lot value amounts are null.
Contract term
100% confidence
Unknown.
View supporting evidence
Process contract_start_at and contract_end_at are null.
Lots
100% confidence
Two lots: Banking Services and Merchant Services.
View supporting evidence
Description states services are provided "via two (2) lots"; supplied lots are titled "Banking Services" and "Merchant Services".
Delivery
Delivery region
96% confidence
UKM94.
View supporting evidence
Location record labelled "Delivery location" has region "UKM94".
Delivery locality
100% confidence
Unknown.
View supporting evidence
Delivery-location locality and country are null.
Buyer location
100% confidence
Ayr, United Kingdom (KA7 1DR).
View supporting evidence
Location record labelled "Buyer location" lists locality "Ayr", postal code "KA7 1DR" and country "United Kingdom".
PROCEDURE
How to respond
Notice status
100% confidence
Open tender.
View supporting evidence
Process fields state display_status "open", stage "tender" and notice_type "tender".
Procedure
100% confidence
Open procedure.
View supporting evidence
Process procurement_method_details is "Open procedure".
Submission deadline
100% confidence
26 November 2026, 12:00 UTC.
View supporting evidence
Process and both lot records state submission_deadline "2026-11-26T12:00:00Z".
Publication date
100% confidence
14 October 2026.
View supporting evidence
Process published_at is "2026-10-14T15:50:12+01:00".
RISKS AND UNKNOWNS
Points requiring attention
Selection criteria unavailable
99% confidence
Economic and technical selection-criteria documents are referenced, but no document content or URLs are supplied; mandatory financial, technical, credential and certification requirements cannot be established.
View supporting evidence
Documents are listed as "economicSelectionCriteria" and "technicalSelectionCriteria" with title and URL null.
Commercial uncertainty
100% confidence
No contract value, currency, start date, end date or duration is supplied.
View supporting evidence
Value and contract-date fields are null in the process record; lot values are null.
Scope allocation risk
94% confidence
The notice identifies two lots but does not state whether suppliers may bid for one lot, both lots, or any limits on awards.
View supporting evidence
Supplied scope states "via two (2) lots" but contains no bid or award rules.
Classification caution
91% confidence
The supplied classifications include "Central bank services", while the stated scope describes Council banking and merchant services. Classification codes should be used for discovery rather than treated as a confirmed scope requirement.
View supporting evidence
Classification includes CPV "66111000" "Central bank services"; the description specifies banking and merchant services for South Ayrshire Council.
ProcuraAxis analysis supplements, but does not replace, the original notice and tender documents. Always verify eligibility, deadlines and commercial terms with the issuing authority.
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