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New York State

Office of General Services

Group #79008

RFP #21312

Electronic Value Transfer (EVT)

Part IResponse to Section IV

Bidder Technical Qualifications &

Service Requirements

Bid Opening: November 13, 2008, 11:00 AM EST

Bid Proposal Cover Sheet – Part I

Bid Proposal Cover Sheet*** Important - Failure to Furnish All Required Information may render the Bid Non-Responsive ***

BID OPENING DATE : December 4, 2008TIME : 11:00 AM REQUEST FOR PROPOSAL NUMBER: 21312TITLE: Group 79008 – Electronic Value Transfer.

SUBMITTED TO: Nicholas JacobiaPhone No.: (518) 473-4651FAX No.: (518) 486-6867E-Mail: [email protected]

Part I, Response to Section IV, Bidder Technical Qualifications & Service

Requirements

If successful, this Bid, along with the Bid Documents, will constitute a binding contract between the Bidder and State upon receipt of final State approvals. By signing below, you indicate your express authority to sign on behalf of yourself or your company with full knowledge and acceptance of the terms and conditions contained in the above referenced RFP, including Appendix A (Standard Clauses for NYS Contracts), and Appendix B (OGS General Specifications, July 06) and State Finance Law §139-j and §139-k (Procurement Lobbying), and that all information provided is complete, true and accurate. By signing, bidder affirms that it understands and agrees to comply with the OGS procedures relative to permissible contacts as required by State Finance Law §139-j (3) and §139-j (6) (b).

Name of Company Bidding: Bidder’s Federal Tax Identification No.:

Street City State Zip County

Phone: ( ) - ext. ( )Fax: ( ) - ext. ( )

Toll Free Phone: ( ) - ext. ( )Toll Free Fax: ( ) - ext. ( )

E-mail Address: Company Web Address:

Bid Submittal Checklist

The following checklist must be completed and submitted with all bids. Unless otherwise noted, all submissions are mandatory. Failure to respond or submit required information may render the bid non-responsive.

Format of Bid ProposalCheck to indicate compliance with each requirement.

Proposal is bound. (Three ring binder required.)Proposal is submitted in two (2) separately sealed parts:

Part I, Technical Qualifications & Service Requirements (i.e., response to Section IV)Part II, Financial Requirements (i.e., response to Section V)

Proposal has a Table of Contents and indexed tabs for Part I, following the order set forth in the RFP.Proposal pages are numbered consecutively from beginning to end.Bidder has enclosed:

1. Ten written and signed originals of Part I, Technical Qualifications & Service Requirements2. Ten written and signed originals of Part II, Financial Requirements3. One electronic diskette containing Part II, Financial Requirements, labeled with Bidder name and RFP #

Bidder has completed all information and provided original signatures as appropriate on the:1. Request for Proposal Form2. Bid Proposal Signature Page3. Notary Acknowledgment4. MacBride Certification5. Non-Collusive Bidding Certification6. This Bid Submittal Checklist

Extraneous Terms are fully detailed in a separate section of the Bid Proposal (Tab #3).Bidder agrees to extend use of contract in accordance with RFP, Appendix B, Clause 39 (c )

Bidder’s Response to Qualifying Technical Requirements

In addition to providing the following affirmations, Bidder’s must respond to the requirements as specified in this RFP. Responses should follow this document in Tab #1. A Microsoft Word® version of this Response Form is available on the OGS website at http://www.ogs.state.ny.us/purchase/Bidcalendarlv.asp

Technical Requirements – Qualifying Criteria Bidder’s Affirmation

Section II.14, Additional Contract ConditionsBidder must agree to conform to and comply with all local, state and federal statutes and regulations governing Authorized Users and their contractors throughout the contract term.

Yes No

Section IV.1.A, Qualified BidderBidder must provide all Financial Services Processing and Transaction Interface services requested. The Bidder must provide Credit/Charge Card and On-line and Off-line Debit Card processing services. All other services can be provided by prospective subcontractors of the bidder.

Yes No

Section IV.1.B.1, Authorized Financial Services Processing Provider

Affirms that bidder meets all PCI DSS standards.Yes No


Affirms authorization to provide FSP services for Credit/Charge Cards and Debit Cards.Yes No


Affirms authorization to provide FSP services for ACH Credit and Debit and Fedwire Funds Transfers, CHIPS and SWIFT.

Yes No

Section IV.1.B.1.c, Authorized Financial Services Processing Provider

Bidder agrees to seek authorization for future payment devices requested by Authorized Users.

Yes No


Bidder affirms that all Transaction Interfaces to be provided under the EVT Contract are certified by the Bidder for FSP processing.

Yes No


Bidder affirms that that they will work with Authorized Users and their contractors to develop and maintain interfaces between such entities and the Bidder for the purpose of capturing, processing, reporting and reconciling electronic value transfer transactions.

Yes No

Section IV.1.B.4,a & b, Financial Services Processing BankBidder affirms that the bank to be utilized for processing electronic payment transactions is a State or Federal Chartered bank with a branch in New York State.

Yes No

http://www.ogs.state.ny.us/purchase/Bidcalendarlv.asp


Section IV.1.B.4,c, Financial Services Processing BankBidder affirms that the bank to be utilized for processing electronic payment transactions has an organization rating of at least 30 as published in the most current issue of Sheshonoff’s Banking Organization Quarterly or a LACE Financial Rating of at least C+.

Yes No

Section IV.1.B.4,d, Financial Services Processing BankBidder affirms that, the necessary steps will be taken upon award of a contract to file with the Office of the State Comptroller a “State of New York Undertaking for Bank Deposits and Assignment Securities” and that such filing will be maintained throughout the term of the contract.

Yes No

Section IV.1.C.2 Financial Statement SummaryBidder affirms to include for the Bidder and any subcontractor, audited or reviewed financial statements for the last three years (or covering the period from the creation of the entity if less than three years), prepared by a CPA in conformance with GAAP.

Yes No

Section IV.1.C.2 Financial Statement SummaryBidder affirms to provide copies of any parent or subsidiary of the Bidder and subcontractors audited or reviewed financial statements for the last three years (or covering the period from the creation of the entity if less than three years), prepared by a CPA in conformance with GAAP, upon request by OGS.

Yes No

Section IV.1.C.2 Financial Statement SummaryBidder affirms to include a primary bank or federal lending institution reference with the name, address and telephone number of the contact person.

Yes No

Section IV.1.D.1, Use of SubcontractorsBidder affirms to comply with the ”Use of Subcontractors” requirements. Yes No

Section IV.2.A.1.a, FSP ServicesBidder affirms to comply at all times during the contract term with applicable state and federal laws.

Yes No

Section IV.2.A.1.a, FSP ServicesBidder affirms to be able to process the following types of electronic payments: (1) Credit/Charge Cards, (2) On-line and Off-line Debit Cards, (3) ACH Credit and Debit Transactions, and (4) Fedwire and similar transactions (including CHIPS and SWIFT).

Yes No


Section IV.2.A.2, Types of Card-Based Electronic PaymentsBidder accepts the four nationally recognized Credit/Charge Cards, Off-line Debit Cards and national and regional On-line Debit Cards networks and other forms of card-based electronic payment devices as may be added during the contract term.

Yes No

Section IV.2.A.3.a, ACH Credit TransactionsBidder is authorized to participate in the ACH Network as a Receiving Depository Financial Institution

Yes No

Section IV.2.A.3.b, ACH Debit TransactionsBidder is authorized to participate in the ACH Network as an Originating Depository Financial Institution. Bidder is authorized to originate ACH Network debit and prenote transactions, convert paper checks to electronic checks and re-originate returned ACH debit transactions.

Yes No

Section IV.2.A.3.c, Fedwire and Similar Electronic PaymentsBidder is authorized to receive Fedwire and similar electronic payments including CHIPS and SWIFT transactions.

Yes No

Section IV.2.A.6.a, Statutory Notice Requirements for State AgenciesBidder agrees to support processing of transactions in a manner that enables Authorized Users to notify Device Users of any surcharge and/or convenience fee and agrees to support separate transactions for the underlying amount of the transaction and the surcharge/convenience fee.

Yes No

Section IV.2.A.7.a, Payment DevicesBidder agrees to provide and support financial processing services and data exchanges through the listed data capture/transmission devices and other devices as may be added upon mutual agreement of the parties.

Yes No

Section IV.2.A.7.d, Authorized User Unique FieldBidder agrees to support the provision of a 20 character alpha-numeric unique field at the option of the Authorized User.

Yes No

Section IV.2.A.10, ReportingBidder recognizes and agrees to provide only the appropriate reporting information specific to each Authorized User in the format and timeframe required.

Yes No

Section IV.2.D.1, Method of Payment of EVT Contractor FeeBidder agrees to receive reimbursement through (1) Invoicing, (2) Pass through fees to Device Users, (3) Deduction Net-Billing and (4) Direct ACH Debit.

Yes No

Section IV.2.D.5, Authorized User Data OwnershipBidder affirms their ability to meet the data storage requirements outlined in this section. Yes No

Section IV.2.D.6.a, Implementation PlansBidder agrees to the terms and conditions in this section. Yes No

Section IV.2.D.6.d, Implementation PlansBidder agrees to work with Authorized Users to seek approval from associations and governing bodies for use of alternative processing procedures.

Yes No


Section IV.2.D.6.d, Implementation PlansBidder agrees to process payments under alternative processing procedures. Yes No

Bidder’s Response to Quantifying Technical Requirements

Bidders should refer to the RFP for detailed Technical Requirements and Specifications when preparing their bid responses. The following tables are provided as a convenience for preparing responses. The information provided only summarizes the Technical Requirements and the associated Specifications. The bidder should refer to the detailed requirements as specified within the text of the RFP. Bidders should also review Section VIII. Proposal Evaluation Methodology, for information regarding review methodology. The following response forms were prepared to facilitate this review process. The order of these sections are arranged in order of the RFP. Bidders should prepare their responses to the sections designated as Qualifying Criteria using the Technical Requirements – Qualifying Criteria table. A Microsoft Word® version of these Response Forms are available on the OGS website at http://www.ogs.state.ny.us/purchase/Bidcalendarlv.asp

Quantifying Technical RequirementsIV.1.B.3. Mandatory

Technical Requirement – Working with Contractors SpecificationThe Bidder must agree to work with Authorized Users and their contractors to develop and maintain interfaces between such entities and the Bidder for completing electronic value transfer transactions, producing necessary reports, and supporting reconciliation requirements. Bidder responses must include their procedures and/or requirements for developing and/or approving interfaces identifying any mandatory requirements or approval steps to be followed. These procedures must facilitate the acceptance of electronic value transfer transactions from all Authorized Users and their contractors throughout the term of the EVT Contract.Response

IV.1.D.2 Mandatory

Technical Requirement – Identifying Subcontractors SpecificationThe Bidder must identify in the Bid Proposal all subcontractors that will be used to perform Financial Services Processing (limited to ACH Credit and Debit, Fedwire, CHIPS and SWIFT processing) and to provide Transaction Interface, including summaries of their qualifications, FSP certifications, experience and duties. The EVT Contractor must similarly identify in each Implementation Plan, all subcontractors which will be performing Financial Services Processing (limited to ACH Credit and Debit, Fedwire, CHIPS and SWIFT processing) and providing Transaction Interfaces on the Authorized User’s Implementation Plan.Response

IV.1.E. Desirable

Technical Requirement – Qualifications and Additional Information SpecificationThe Bidder should note other qualifications or additional information that it believes would be of importance to the State in determining that the bidder is qualified. All statements made must be able to be independently verified by the State.Response

http://www.ogs.state.ny.us/purchase/Bidcalendarlv.asp

Quantifying Technical RequirementsIV.2.A.1.b.Desirable

Technical Requirement – Additional FSP Services SpecificationThe Bidder should describe its commitment to providing and supporting additional payment options using new technologies as they become commonly adopted technologies, such as Internet payment alternatives (including payments made through e-mails), Stored Value Cards, micro-payments, and any other paperless transactions that may be made available under the EVT Contract at a future time. The Bidder should discuss its plans to process Smart Cards, including personal services and financial resource commitment to accept Smart Cards, card utilization analysis and anticipated date to begin accepting Smart Cards. Additionally the Bidder should discuss its plans, if any to process electronic cash payments initiated through Internet e-mails.

Response

IV.2.A.3.a. Mandatory

Technical Requirement – ACH Credit Transactions SpecificationThe Bidder or its prospective subcontractor(s) must be authorized to participate in the ACH Network as a Receiving Depository Financial Institution (RDFI). The Bidder or its prospective subcontractor(s) must accept through the ACH Network, ACH Credit payments transactions and ACH Credit payment recall requests initiated by Device Users. The Bidder or its prospective subcontractor(s) must conform to all National Automated Clearing House Association (NACHA) operating rules and guidelines in performing ACH Credit transactions. Describe the functionality that the Bidder is proposing for the following requirements that must be provided at the request of Authorized Users: Creating multiple depository accounts for each Authorized User and creating a centralized depository

account for depositing all ACH Credit payments received. Providing on-line inquiry capability for Authorized User inquiries to review the status of a transaction, the

cause for rejection, etc. (“may be developed”) Creating files meeting the Authorized Users’ requirements for content (including, but not limited to, payee

identification information, ACH Credit payment amount and the date and time of authorization and settlement of these payments), transmission frequency and delivery method.

Customer assistance to the Authorized User and their Device Users regarding researching payment exception/non-reconciliation conditions and other areas required by the Authorized Users.

Response

Quantifying Technical RequirementsIV.2.A.3.b. Mandatory

Technical Requirement – ACH Debit Transactions SpecificationThe Bidder or its prospective subcontractor(s) must be authorized to participate in the ACH Network as an Originating Depository Financial Institution (ODFI). The Bidder or its prospective subcontractor(s) must, at the request of Authorized Users originate ACH network debit and prenote transactions. The Bidder or its prospective subcontractor(s) must, at the request of Authorized Users provide for conversion of paper checks to electronic checks for point-of-sale transactions. The Bidder or its prospective subcontractor(s) must agree to re-originate returned ACH Debit transactions after an initial failed attempt at the request of the Authorized User. All ACH Debit and prenote transactions must be formatted using NACHA file formats. The Bidder or its prospective subcontractor(s) must agree to accept and reformat files received from Authorized Users to the NACHA formats. The Bidder or its prospective subcontractor(s) must also accept returned ACH Debit and prenote transactions from the ACH network and report all returned debit and prenote transactions to the Authorized User. The Bidder or its prospective subcontractor(s) must support processing Recurring and Preauthorized payment arrangements. The Bidder or its prospective subcontractor(s) must conform to all NACHA operating rules and guidelines in performing ACH Debit and prenote transactions. Describe the functionality that the Bidder is proposing for the following requirements that must be provided at the request of Authorized Users: Creating multiple depository accounts, if necessary, for each Authorized User and creating a centralized

depository account for depositing all ACH Debit payments received. Providing on-line inquiry capability for Authorized Users inquiries to review the status of a transaction or a

prenote transaction including the reason for rejection and the associated notification codes. Creating files meeting the Authorized User’s requirements for content (including, but not limited to, payee

identification information, ACH Debit payment amount and the date and time of authorization and settlement of these payments), transmission frequency and delivery method.

Customer assistance to the Authorized User and their Device Users regarding researching payment exception/non-reconciliation conditions and other areas required by Authorized Users.

Response

IV.2.A.3.c. Mandatory

Technical Requirement – Fedwire and Similar Electronic Payments SpecificationThe Bidder or its prospective subcontractor(s) must be authorized to receive Fedwire and other similar electronic payments including CHIPS and SWIFT. The Bidder or its prospective subcontractor(s) must process Fedwire and other similar electronic transactions as received, resolving exceptions as needed to fully process transactions through deposit. Describe the functionality that the Bidder is proposing for the following requirements that must be provided at the request of Authorized Users: Creating multiple depository accounts for each Authorized User and creating a centralized depository account

of depositing all Fedwire and similar electronic payments received. Providing on-line inquiry capability, if available, for Authorized Users to review the status of a Fedwire or

similar electronic payment transaction Creating files meeting the Authorized User’s requirements for content (including, but not limited to, payee

identification information, payment amounts and the date and time of authorization and settlement of these payments), transmission frequency and delivery method.

Customer assistance to the Authorized User and their Device Users regarding researching payment exception/non-reconciliation conditions and other areas required by the Authorized Users.

Response

Quantifying Technical RequirementsIV.2.A.4.Desirable

Technical Requirement – Pre-Funding SpecificationThe Bidder should describe the options available to Authorized Users for receiving pre-funded settlements (e.g., funds settled in advance of the established settlement timeframes).Response

IV.2.A.5.Desirable

Technical Requirement – Check Verification, Recovery and Guarantee SpecificationThe Bidder should describe the check verification, check recovery and check guarantee options made available to Authorized Users. Check verification, recovery and guarantee services are intended to be made available through the EVT Contract for electronic checks created through check conversion. The Bidder should provide a description of available services and their procedures and requirements for Authorized Users to use these services. The Bidder should also describe if check verification, recovery and/or guarantee could be made available to other types of ACH Debit transactions.Response

IV.2.A.6.bMandatory

Technical Requirement – Surcharge and Convenience Fee Rules SpecificationThe Bidder must indicate in its proposal, under which condition(s) (i.e., by device type and accepted payment methods), card association rules permit surcharge and/or convenience fees and identify those transaction types which can use this option.Response

Quantifying Technical RequirementsIV.2.A.7.b.Mandatory

Technical Requirement – Connectivity and Interfaces SpecificationThe Bidder must provide a description of the types of connectivity alternatives available and interfaces supported between the Authorized User and the Bidder’s system, including dial-up, leased lines, ISDN, Host-to-Host (dial-up batch), wireless (cellular) and satellite. The Bidder must provide a detailed description of the connectivity alternatives available to support on-line payment processing from Authorized User Internet applications, identifying if on-line payments will be processed on Authorized Users Web Sites or if another Web Site would need to be accessed to process transactions. The Bidder should indicate if these on-line payment alternatives are available for no additional fee, any addition fees for these services should be reported in Table IV – Fees for Additional Services. For informational purposes, discuss the security features and response times for these connectivity alternatives.Response

IV.2.A.7.cMandatory

Technical Requirement – User Documentation SpecificationThe Bidder must provide requirements for User Documentation including: formatting requirements, record layouts, applicable edits and validations, to be used by Authorized Uses in processing Credit/Charge Cards, On-line and Off-line Debit Cards and ACH Debit transactions, (noting whether a NACHA formatted record is required), to the EVT Contractor for processing.Response

IV.2.A.7.d.Mandatory

Technical Requirement – Authorized User Unique Field Specification The Bidder must describe the planned methods for using an Authorized User Unique Field for each of the data capture/transfer devices listed under Section IV.2.A.7.a, as applicable, and for each type of electronic payment (i.e., Credit/Charge Cards, On-line and Off-line Debits Cards, and ACH Credit and Debit transactions). If available, the Bidder should provide their procedures for using an Authorized User Unique Field.Response

IV.2.A.7.e.Mandatory

Technical Requirement - Testing SpecificationBidder must describe their methodology and procedures for testing acceptance of card and non-card payments through each of the payment devices, including a description of the testing environment and data.Response

Quantifying Technical RequirementsIV.2.A.8.a. Mandatory

Technical Requirement – Credit/Charge Cards and On-Line/Off-Line Debit Card TransactionsSpecificationThe Bidder must describe:

i. The authorization process for MasterCard, VISA, Discover and American Express branded cards, identifying the method for processing the authorizations, including voice authorization and the expected timeframe for processing/receiving authorizations by device type. Include a description of the authorization process for Recurring and Preauthorized payment transactions. Describe by device type the information which will be provided back to Authorized Users for authorized and declined transactions, including a listing of the declination codes. The Bidder should include descriptions of the required and/or desired data elements (e.g., card number, expiration date, etc.) necessary to perform authorization for non-qualified transactions.

ii. The merchant accounts which would need to be established for multiple Authorized Users and for subdivisions of Authorized Users to facilitate the authorization and settlement process.

iii. The data capture (for all four card types) and settlement process (for MasterCard and VISA) transactions including the expected timeframe for submitting transactions to the MasterCard and Visa networks and crediting investable funds into the account(s) designated by the Authorized User and the ability to provide individual or aggregated transfers to one or more accounts as established by the Authorized User. Include a description of the data capture and settlement process for Recurring and Preauthorized payment transactions. Note, the Bidder must also complete Table XI - Funds Availability.

iv. Settlement and Close-out procedures including but not limited to the following:1. Whether terminals are automatically batch closed at a predetermined time, or if they are manually

closed, or both.2. If settlement can be made by either ACH or Fedwire and identify the procedures. The Bidder must

also identify the associated costs in Table IV - Fees for Additional Services.3. Whether settlement amounts can be listed separately for each Credit/Charge Card and On-line Debit

Card network separately on the bank statement or as a lump sum.v. Transaction Posting Procedures including but not limited to the following:

1. The levels of detail available and how the Bidder proposes to reconcile transactions.2. The ability and mechanism for reconciling transactions to summary report information.3. The nature and timing of the confirmation that the Authorized User will receive upon presentation of

an electronic payment (i.e., does the bidder have same day, on-line, reporting capability by following level of detail: Individual Device Number, Batch Level, Total or Consolidated, and Individual Transactions by the Unique Field).

vi. The procedures for detecting, tracking, reporting and resolving duplicate, erroneous or contested payments.vii. The procedures for preventing, detecting and reporting fraudulent payments, including conditions under

which Authorized Users may deviate from association rules governing non-discrimination of card acceptance.

viii. If Interchange and Assessment, Authorization and Processing Fees or other fees are charged to the Authorized User for declined transactions and for zero amount transactions.

ix. The difference, if any, between the Interchange and Assessment Rates and Authorization and Processing Fees for cash advances compared to purchases.

x. The process, procedures and available services for accepting and holding transactions from Device Users and Authorized Users for processing at a specified future date (i.e., warehousing of a payment transaction until a specified transaction initiation date).

Response


Technical Requirement – ACH Credit TransactionsSpecificationThe Bidder must describe the services available to support the requirements as specified in Section IV.2.A.3.a, ACH Credit Transactions, including, but not limited to, the following:

i. The process, procedures and controls for receiving, processing and reporting ACH Credit Transactions including the relevant timeframes, cutoffs, and controls that will prevent unauthorized ACH Credit recall processing.

ii. The process for handling ACH Credit exceptions.iii. The procedures for detecting, tracking and resolving duplicate, erroneous or contested payments.iv. The settlement process for ACH Credit transactions including the expected timeframe for crediting

investable funds into the account as designated by the Authorized User and reporting proceduresv. If additional accounts need to be established to facilitate ACH Credit Transactions.

vi. The procedures for preventing, detecting and reporting fraudulent payments.Response

IV.2.A.8.c.Mandatory

Technical Requirement – ACH Debit TransactionsSpecificationThe Bidder must describe the services available to support the requirements as specified in Section IV.2.A.3.b, ACH Debit Transactions, including, but not limited to, the following:

i. The process, procedures and controls for receiving transactions from Authorized Users, originating ACH Debit transactions, processing and reporting ACH Debit and prenote transactions, and include the relevant timeframes, cutoffs, and controls that will prevent unauthorized ACH Debit transactions. Include in this description processing of Recurring and Preauthorized payment transactions.

ii. The process for handling rejections, notifications and resubmission procedures.iii. The procedures for detecting, tracking and resolving duplicate, erroneous or contested payments.iv. The settlement process for ACH Debit transactions including the expected timeframe for crediting

investable funds into the account as designated by the Authorized User and reporting proceduresv. If additional accounts need to be established to facilitate ACH Debit Transactions.

vi. The procedures for preventing, detecting and reporting fraudulent payments.vii. The process, procedures and available services for accepting and holding transactions from Device Users

and Authorized Users for processing at a specified future date (i.e., warehousing of a payment transaction until a specified transaction initiation date).

Response

Quantifying Technical RequirementsIV.2.A.8.d.Mandatory

Technical Requirement - Fedwire, CHIPS and SWIFT TransactionsSpecificationThe Bidder must describe the services available to support the requirements as specified in Section IV.2.A.3.c, Fedwire and Similar Electronic Payments, including, but not limited to, the following:

i. The process, procedures, and controls for receiving and processing Fedwire, CHIPS and SWIFT Transactions including the relevant timeframes, cutoffs, and controls.

ii. The process for handling Fedwire, CHIPS and SWIFT exceptions.iii. The procedures for detecting, tracking and resolving duplicate, erroneous or contested payments.iv. The settlement process for Fedwire, CHIPS and SWIFT transactions including the expected timeframe for

crediting investable funds into the account as designated by the Authorized User and reporting procedures.v. If additional accounts need to be established to facilitate Fedwire, CHIPS and SWIFT Transactions.

vi. The procedures for preventing, detecting and reporting fraudulent payments.

Response

IV.2.A.8.e.Mandatory

Technical Requirement – Memberships, Applications and SetupSpecificationDescribe any membership, application or setup procedures that an Authorized User must complete with either the EVT Contractor or third parties in order to initiate transactions under a Payment Program.

Response

Quantifying Technical RequirementsIV.2.A.9.a.Mandatory

Technical Requirement – Chargeback, Refund and AdjustmentSpecificationThe Bidder must describe the following information (including appropriate sections of Association Rules, diagrams and forms as appropriate):i. The record keeping responsibility of Authorized Users for face-to-face and non-face-to-face transactions

including the type of information to be retained, method of storing data, and the length of time it must be retained, by device type;

ii. The options available for having the EVT Contractor retain information and records on behalf of Authorized Users to address chargebacks, refunds and adjustments and having the EVT Contractor address chargebacks with the various Credit/Charge Card associations on behalf of Authorized Users using these retained information and records including the use of onscreen signatures;

iii. The resolution process to be followed including, identifying the role of each entity involved in the process and the required timeframes for responding to requests;

iv. The ability of the EVT Contractor to utilize the Unique Number to address chargebacks;v. When a transaction is considered final and maximum timeframes for Authorized Users retaining records;vi. The various steps involved in handling a disputed transaction. The outline must reflect the actions and

responsibilities of the card holder, card issuer, accepting financial institution, the EVT Contractor and the Authorized User;

vii. The notice or advice provided for chargebacks, refunds and adjustments; viii.The extent to which the Authorized User could develop a rule to provide to the EVT Contractor so that the

EVT Contractor could respond to a pre-defined set of retrieval request without requiring additional information from the Authorized User;

ix. The extent to which the Authorized User could utilize jurat and no-refund policy statements for both face-to-face and non-face-to-face transactions to prevent chargebacks, refunds and adjustments, providing suggested text;

x. Whether the Authorized User could develop a list of items that could not be charged back. (i.e., fishing licenses or taxes);

xi. The maximum time limit for a research request by the Authorized User;xii. The circumstances under which Authorized Users will be charged a research fee.xiii.The assistance that the Bidder would provide for the collection of unprocessed items (e.g., incorrect account

number);xiv.The length of time individual sales records are retained by respective credit card companies; andxv. The process to be used to handle erroneous ACH and Fedwire transactions, refunding, recall requests, etc.xvi.The circumstances, if any, under which Authorized Uses would be charged additional chargeback fees for

experiencing a higher than normal chargeback rate. Response


Technical Requirement – Chargeback, Refunds and Adjustments by Payment TypeSpecificationThe Bidder must describe the mechanism and rules for chargebacks, refunds, and adjustments, as applicable, for each of the following:

i. Credit/Charge Card Processing (MasterCard, VISA, Discover Card, American Express branded cards)ii. Debit Cards (On-line & Off-line)

iii. Automated Clearing House (ACH) Credit and Debit transactions.iv. Fedwire and other similar electronic payments including CHIPS and SWIFT.

Quantifying Technical RequirementsResponse

IV.2.A.10.a.Mandatory

Technical Requirement – Transaction Reports and Inquiries

SpecificationIt is anticipated that in most cases daily and monthly reporting will be necessary to provide the information needed to post settled funds to the appropriate account(s) and to reconcile deposits. It is important that the Bidder demonstrate its flexibility and capability of providing varied report formats to meet the needs of Authorized Users (e.g., including additional data such as the Authorized User Unique Field). The Bidder must describe its transaction reporting process and the types of reports it can provide, including mandatory daily and monthly reports for the following types of transactions: MasterCard and Visa Credit/Charge Cards, On-line and Off-line Debit Cards, ACH Debit and Credit and Fedwire, SWIFT and CHIPS. The Bidder must indicate what services will be provided to support the reporting of transactions for American Express and Discover branded cards. When applicable it is preferred that reporting functions for these cards be provided in reports consolidated with other FSP transactions. In these descriptions, the Bidder should demonstrate its flexibility and capability to address the varying requirements and reporting needs, including, but not limited to, the following:

The method for making reports available to Authorized Users (e.g., printed, on-line). Accessibility to reports (i.e., on-line such as dial-up or through secure Internet applications)

including access requirements (e.g., hardware and software requirements, methods of identifying specific transactions), and access to historical data (i.e., data retention).

The timing for providing such reports (i.e., daily/monthly reports will be delivered or made available by what time).

The services available to Authorized Users to support inquiries regarding individual transactions.

Response


Technical Requirement – Summary Reports for Control AgenciesSpecificationThe EVT Contractor will be required to provide summary reports to control agencies for purposes of supporting

program monitoring, benchmark adjustments, etc.

Fraud ReportingThe Bidder should identify the method and procedures for reporting fraud including detection, prevention etc., and as applicable provide sample reports.

Monthly Summary ReportsThe EVT Contractor will be required to provide a monthly summary report to the Control Agencies, including OGS and the EVTA. This report must summarize the activity (transactions, charges etc.) by each Authorized User agency including a summary for all State Agencies. The Bidder must include sample reports and identify the method and timing for providing such reports.

The EVT Contractor or its subcontractor(s) will be required to provide status reports of the development of Qualified Applications.

Semi-Annual ReportingThe EVT Contractor will be required to provide a semi-annual report to OGS and the EVTA to support rate adjustments based on the six-month review period. This review will be conducted to determine if adjustments are required for Blended Rates and Bundled Fees, to determine the Statewide Aggregate Discount and the average transaction value for each merchant ID, (refer to Rate Adjustments – Six Month Review on Page 43). This report must include the actual statewide usage rates during the previous six months under the EVT Contract for all required variables (e.g., number of qualified and non-qualified transactions, number of transactions by card type, etc.) included in the successful Bidder’s Blended Rate and Bundled Fees formula provided in Table V – Blended Rates and Bundled Fees. In addition, the report must include the aggregate total number of Blended Rates and Bundled Fees transactions performed during the previous six months to determine if Authorized Users will receive a volume discount. The report must also identify for each merchant ID the average value of Credit/Charge and Off-line Debit Card transactions performed in the previous six months.. The EVT Contractor must also provide each Authorized User that has elected to use the Blended Rates and Bundled Fees with the adjusted Blended/Bundled fees for each six-month period, the Aggregate Discount that applies to each Merchant ID account for the Authorized User, and the Authorized User’s Average Transaction Value.

Annual ReportingThe EVT Contractor shall provide annualized summary reports to be submitted to the OGS, Procurement Services Group, Corning Tower, 38th Floor, Empire State Plaza, Albany, NY 12242, no later than the 15th of the month following the close of the year identified by OGS. Purchases by political subdivisions and others authorized by law shall be reported separately at that time.

Response


Technical Requirement – Ad-Hoc ReportsSpecificationThe Bidder must agree to provide ad-hoc reports and discuss the procedures for producing such reports (i.e., report types not specified in this section) as requested by an Authorized User.


IV.2.A.11Desirable

Technical Requirement – Future TechnologiesThe Bidder should provide a summary of the Bidder's investment and commitment to developing future electronic processing technology and describe how the bidder intends to support technological advancements to Authorized Users. This summary should address, but not be limited to, any new technologies that the bidder is currently aware of and may be working on.

Response

IV.2.A.12.Desirable

Technical Requirement – Additional Services (other than FSP)SpecificationThe response should include a summary of the Bidder’s ability to provide the following additional services, and a description of those services that the Bidder is able to provide:a.Voice data capture (e.g., enabling small volume Authorized Users to process credit/charge cards and off-line

debit cards transactions via the telephone without requiring manual follow-up with paper transaction documentation).

b.Address Verification (e.g., provide Authorized Users with the option to perform address verifications for authorizing credit/charge cards and off-line debit card transactions).

c.Processing of international Credit/Charge Card and Off-line Debit Card transactions.d.Services related to reprogramming of Authorized Users’ Transaction Interfaces (i.e., point-of-sale terminals,

peripheral devices and software packages).e.Other additional services.


IV.2.B.1.aMandatory

Technical Requirement – Transaction Interface Hardware – Point-of-Sale TerminalsSpecificationDescribe the types of point-of-sale (POS) terminals that the Bidder will provide. Include in the description the functional attribute of the terminals offered (e.g., capacity, transmission speed, functionality of embedded software), their condition (e.g., new, refurbished) and any supplies required. All bulleted requirements other than those marked as “Desirable” must be addressed.

Quantifying Technical RequirementsIV.2.B.1.a.iMandatory

Technical Requirement – Type I POS TerminalsSpecificationThe Bidder must provide stand alone POS terminals which are configured to process Credit/Charge Cards and are upgradable to accept peripheral PIN pads for On-line Debit Card processing, including the following or equivalent:

Nothing Integrated – supports items below as peripherals Integrated printer Integrated PIN pad for On-line Debit Card processing Integrated Signature pads for Electronic Signature Capture Integrated Smart Card reader/writers Integrated Contactless Payment reader Integrated Check reader (Desirable)

(e.g. Hypercom products – Optimum T4210 & Artema Desk, VeriFone products MX800 series)Response

IV.2.B.1.a.iiMandatory

Technical Requirement – Type II POS TerminalsSpecificationThe Bidder must provide POS Terminals which can be integrated with other POS terminals, electronic

cash registers and local area networks, are configured to process Credit/Charge Cards and are capable or upgradable to support the following peripherals:

Integrated PIN pads for On-line Debit Card processing Integrated Signature pads for electronic signature capture Integrated Smart Card reader/writers (Desirable) Integrated Contactless Payment reader (Desirable) Integrated Check reader (Desirable)

Response

Program User Evaluation Section – Quantifying Technical RequirementsIV.2.B.1.a.iiiMandatory

Technical Requirement – Type III POS TerminalsSpecificationThe Bidder must provide wireless POS terminals that are configured to process Credit/Charge Cards, including the following or any combination of the following:

Integrated printer. Integrated PIN pad for On-line Debit card processing Integrated Smart Card reader/writer Integrated Signature pad for electronic signature capture Integrated Contactless Payment reader

Response

IV.2.B.1.a.ivDesirable

Technical Requirement – Type IV POS Terminals - Additional Point-of-Sale TerminalsSpecificationDescribe any additional types of POS terminals that the Bidder will provide. Include in the description the functional attribute of the terminals offered (e.g., capacity, transmission speed, functionality of embedded software), their condition (e.g., new, refurbished) and any supplies required. Response

IV.2.B.1.b. Technical Requirement – Peripheral Devices

Mandatory SpecificationDescribe the types of peripheral devices that the Bidder will provide. Include in the description the functional attribute of the devices (e.g., specifications, functionality of embedded software), their condition (e.g., new, refurbished) and any supplies required. Indicate which devices will be provided for no fee.

Quantifying Technical RequirementsIV.2.B.1.b.iMandatory

Technical Requirement – Device Type I, PrintersSpecificationFor each proposed type of POS terminal capable of accepting a printer as a peripheral device, if any, the Bidder must provide compatible devices including the following, or equivalent:

Roll printer, Sprocket printer, and Thermal printer.

Response

IV.2.B.1.b.iiMandatory

Technical Requirement – Device Type II, Countertop PIN Pad(Mandatory if providing POS terminals without integrated PIN pads)SpecificationFor each proposed type of POS terminal capable of accepting a countertop PIN pad as a peripheral device, if any, the Bidder must provide compatible devices including the following, or equivalent:

Countertop PIN pads (e.g., Verifone “Secura” or Hypercom “Artema S10”).Response

IV.2.B.1.b.iiiMandatory

Technical Requirement – Device Type III, Handheld PIN Pad (Mandatory if providing POS terminals without integrated PIN pads)SpecificationFor each proposed type of POS terminal capable of accepting a handheld PIN pad as a peripheral device, if any, the Bidder must provide compatible devices including the following, or equivalent:Handheld PIN pad (e.g. NURIT 293 or Hypercom S9)Response

IV.2.B.1.b.ivMandatory

Technical Requirement – Device Type IV, Check Reader

SpecificationThe Bidder must provide the following, or equivalent:

Check reader (e.g. MagTek Mini MICR Check reader with built in card reader (e.g. MagTek Mini MICR w/ optional card reader or RDM 6014i

check imager)


IV.2.B.1.b.vMandatory

Technical Requirement – Device Type V, Smart Card Reader/WriterSpecificationThe Bidder must provide the following, or equivalent:

Smart Card reader/writer

Response

IV.2.B.1.b.viMandatory

Technical Requirement – Device Type VI , Signature Capture DeviceThe bidder must supply the following, or equivalent, for electronic signature capture

Signature Tablet On-screen signature capture device

Response

IV.2.B.1.b.viiMandatory

Technical Requirement – Device Type VII, MiscellaneousSpecificationThe Bidder must provide all of the following, or equivalent:

Magnetic stripe reader, Card imprinter, and Card reader.

Response

IV.2.B.1.c.Desirable

Technical Requirement – Additional Peripheral Devices SpecificationDescribe any additional types of peripheral devices that the Bidder will provide. Include in the description the functional attribute of the devices, their condition (e.g., new, refurbished) and any supplies required.

Program User Evaluation Section – Quantifying Technical RequirementsIV.2.B.1.c.i.Desirable

Requirement – Device Type VIII, OtherSpecificationThe Bidder should describe other types of the peripheral devices which it is proposing to make available to Authorized Users.Response

IV.2.B.1.d.Mandatory

Technical Requirement - SuppliesSpecificationDescribe the hardware supplies (for both POS terminals and peripheral devices), which the Bidder will provide, include a description of order fulfillment timeframes and the ability of the Bidder to accept preorders. Indicate which supplies will be provided for no additional fee when the associated hardware is purchased (the cost for all supplies is assumed to be included with leased and rented equipment). Response

IV.2.B.1.e.Mandatory

Technical Requirement - WarrantySpecificationProvide warranty information and the warranty period for each of the POS terminals and peripheral devices, which the Bidder is proposing to provide including the initial and extended terms. Indicate warranties that will be provided for no additional fee when the hardware is purchased, leased and rented.Response

Quantifying Technical RequirementsIV.2.B.1.f.Mandatory

Technical Requirement – MaintenanceSpecificationThe Bidder must provide a toll-free number for maintenance assistance (the Bidder should describe their help-desk services in response to Section IV.2.C.2, Help-Desk Services). The Bidder must repair or replace Transaction Interface hardware within 24 hours and provide next business day on-site assistance as needed. Describe the maintenance services associated with the POS terminals and peripheral devices that the Bidder is proposing to provide. Information should include, but not be limited to:

preventative maintenance procedures, average response time to a remedial maintenance request, average on-site repair time for devices, procedures and time frames for utilizing replacement equipment, number of service staff available, and experience of services staff

Indicate maintenance services that will be provided for no additional fee when the hardware is purchased, leased and rented.

Response

IV.2.B.1.g.Desirable

Technical Requirement – CreditsSpecificationDescribe the Bidder’s credit policy for Transaction Interfaces purchased by Authorized Users and returned toward the purchase of upgraded Transaction Interfaces.

Response

Quantifying Technical RequirementsIV.2.B.2.aMandatory

Technical Requirement – Software Functionality and FeaturesSpecificationBidder must provide a description of each software product that will be made available, including:Software Functionality and Features

The Bidder must describe the offered software product(s) and their functionality and features (e.g., processing capabilities, data-entry verification, ability to support additional fields, etc.) for each of the following payment devices:

i. Credit/Charge Cards and Offline Debit Cards (Mandatory) Authorization, Capture and Settlement Online and Batch Processing

ii. Credit/Charge Cards, Offline Debit Cards and Online Debit Cards (Desirable) Online Transaction Status Inquiry Online Reporting

iii. Electronic Checks, ACH Debit Transactions (Desirable) Transaction Initiation Online and Batch Processing Online Transaction Status Inquiry Online Reporting Receipt Notifications, etc.

iv. ACH Credit, Fedwire and Similar Transactions (Desirable) Online Transaction Status Inquiry Online Reporting

v. Other Electronic Payment Applications (e.g., Smart Cards) (Desirable) Authorization, Capture and Settlement Online and Batch Processing Online Transaction Status Inquiry Online Reporting

Response

Quantifying Technical RequirementsIV.2.B.2.b.Mandatory

Technical Requirement – Software Environment and System RequirementsSpecificationThe Bidder must identify the supported environments and system requirements (i.e., minimum recommended hardware configurations for each software product offered for each of the following environments:

i. PC-Based Applications (e.g., Windows , Macintosh, other)ii. Networked Users (e.g., NT based, UNIX, Macintosh, other)iii. Internet Website Software

Self–hosted website transaction support (i.e., enable an Authorized User to offer transactions over the Internet)

Hosting service website transaction support (i.e., enable an Authorized User that hosts multiple websites to offer transactions for each of the hosted websites)

The Bidder is required to provide one full set of documentation (i.e., installation documentation, detailed operation and user documentation and user guide) and sales literature to augment the information provided in this section. The Bidder must indicate which software will be provided for no fee.

Response

Quantifying Technical RequirementsIV.2.B.2.c.Mandatory

Technical Requirement – Software LicensesSpecificationDescribe the software licensing agreements available to Authorized Users for each software products to be provided by the Bidder. It is anticipated that site licenses will be preferred by the majority of Authorized Users. For the purposes of the EVT Contract, “site” is defined by a physical location (e.g., building, street address, etc.) which houses computer systems operated by or on behalf of the Authorized User. Although site licenses are the anticipated choice, the Bidder is required to provide technical information on other types of licenses they offer including: individual PC licenses, multiple PC license(s) and concurrent user based licenses. Each type of software license must provide, at no additional charge, the ability to:

relocate software to a new site designated by the Authorized User at its discretion, utilize the software for all work processed at the Authorized User’s designated site, test software at a disaster recovery site with out EVT Contractor pre-authorization, and transfer software rights and contract terms and conditions to another Authorized User for purposes of

consolidating workloads.

Response

IV.2.B.2.d.Mandatory

Technical Requirement – Technical Support and Software MaintenanceSpecification

i. Technical SupportDescribe the ongoing technical support services for the installation and testing new software products, upgrades, interim releases updates and technical patches.

ii. Software MaintenanceThe Bidder is required to support all Transaction Interface software products provided. The Bidder is required to present their terms and conditions (standard software maintenance contracts should be attached) related to the on-going support of software products, but not be limited to: provisions for upgrades, interim releases and technical patches, and fixes, and operation of a toll free help line for online maintenance/technical support via direct telephone contact

(maximum 4 hours response time during the course of normal business day, available five (5) days per week),

and Internet access (available seven (7) days per week and 24 hours per day), onsite maintenance/technical support within a 24 hour period or next business day timeframe, source code release provisions under extenuating circumstances.

Indicate which, if any, of these services are available for no additional fee.


IV.2.B.2.e.Mandatory

Technical Requirement - WarrantySpecification

i. Describe warranty terms and conditions and the warranty period.ii. Describe any extended warranties, including the time frames for these warranties, and any other warranties

offered by the Bidder.Response

IV.2.B.3.Mandatory

Technical Requirement – Incidental Consulting ServicesSpecificationThe Bidder must provide analysis, recommendations, design, programming expertise and/or on-site assistance to Authorized Users relating to installation or integration of Transaction Interface hardware or software. Also, the Bidder must develop and maintain interfaces between the Authorized User (including any vendors of the Authorized User) and the Bidder to facilitate payment processing. Describe the Incidental Consulting Services and the various job classifications to be provided by the Bidder. For each job classification proposed, provide a job description and the average number of years of experience for employees serving in these classifications. Indicate if any of these services are available for no fee. Response

Quantifying Technical RequirementsIV.2.C.2.a.Mandatory

Technical Requirement – Help Desk Services and SupportSpecificationThe Bidder must provide Help Desk Services for Authorized Users on a twenty-four (24) hours per day, seven (7) days per week basis, including holidays, in order to address all Authorized User customer assistance needs and technical issues for submitting electronic payment transactions, including assistance with Transaction Interfaces. The Authorized User assistance line(s) should be a toll free number(s) which provide direct assistance, intake service with follow-up resolution and requests for on-site assistance. Additionally, the EVT Contractor must maintain and provide each Authorized User with a list of the names and business phone numbers of the customer assistance staff (e.g., Contract Manager, Technical Assistant, Customer Assistant) to be available during normal business hours.

i. The Bidder must describe the system to be used in providing Help Desk Services to Authorized Users. This description should include but not be limited to: access to the system, number of lines available and staffing levels and experience, blockage rates and not to exceed times on hold.

ii. The Bidder must describe the Help Desk Services to be made available to Authorized Users. This description must include the Credit/Charge Card transaction authorization, verification and inquiry services for Bidder provided Transaction Interfaces (Hardware and Software) and all other customer assistance services.

iii. The Bidder must identify the types of issues the Help Desk can respond to on a twenty-four (24) hours per day, seven (7) days per week basis and the anticipated average response time for each of these issues. Transaction authorization and verification must be available on a twenty-four hours per day, seven (7) day per week basis, including holidays.

iv. The Bidder must identify if intake is performed by Help Desk staff or a voice mail intake system.

v. The Bidder must provide to the toll free number(s), and the list of names and phone numbers of the customer assistance staff available to OGS and EVTA.

Response

Quantifying Technical RequirementsIV.2.D.2.Mandatory

Technical Requirement - InvoicingSpecificationUnless otherwise agreed upon in the Implementation Plan, all fees for Financial Processing Services and Transaction Interfaces must be separately invoiced on a monthly basis to each participating Authorized User. Note: see Appendix B, clauses 62 - 64. Unless otherwise agreed upon, fees may not be deducted from settlement proceeds for Authorized User using the EVT Contract.

The Bidder must describe the invoicing process and provide examples of invoices for Financial Processing Services and Transaction Interfaces. Invoices should include at least the following level of detail:

a. Financial Services Processing (provided at Merchant ID level for each Authorized User)i. Detailed Transaction Invoicing (i.e., non blended/bundled fee users): Credit/Charge Cards and Off-Line

Debit Cards, identify the number of qualified and non-qualified transactions by card type and the associated Interchange and Assessment (MasterCard and Visa only), Authorization, Processing, and Additional Services fees, and any additional fees for pre-funding.

ii. Blended/Bundled Invoicing: Credit/Charge Cards and Off-Line Debit Cards, identify the number of transactions by card type and the associated blended/bundled fees including any statewide aggregate discount applied and fee for pre-funding.

iii. On-Line Debit Cards, identify the number of transactions by network and the associated flat and/or percentage fee.

iv. ACH Transactions, identify the number of debit transactions, credit transactions, and reporting and other services and the associated fees.

v. Fedwire, CHIPS and SWIFT Transactions, identify the number of Fedwire, CHIPS and SWIFT Transactions and the associated processing, reporting and other services fees.

vi. Electronic Check Processing, identify the number of check conversions, verifications, recoveries and guarantees and other services and the associated fees.

vii. Other Financial Services Processing fees including help desk, training, marketing, supplies, etc..b. Transaction Interfaces, Hardware (provided at Merchant ID level for each Authorized User)

i. Point-of-Sale Terminals, identify the number of units and associated purchase, lease or rental fee and any other services provided including warranties and the associated fees, including any applicable quantity discounts.

ii. Peripheral Devices, identify the number of units and associated purchase, lease or rental fee and any other services provided including warranties and the associated fees, including any applicable quantity discounts.

iii. Supplies, identifying the number of units and associated fees.c. Transaction Interfaces, Software (provided at Merchant ID level for each Authorized User)

i. Single User PC or Other Platform Based software, identify the number of units and associated licensing, upgrade and other services and the associated fees, including any applicable quantity discounts.

ii. Networked User PC or Other Platform Based software, identify the number of units and associated licensing, upgrade and other services and the associated fees, including any applicable quantity discounts.

iii. Website Software, identify the number of units and associated licensing, upgrade and other services and the associated fees, including any applicable quantity discounts.

d. Transaction Interfaces, Incidental Consulting Services (identified by each Payment Program for each Authorized User)i. Personal Services identified by job classification the number of hours and associated hourly rates.

Response

Quantifying Technical Requirements

IV.1.C.1.Mandatory

Technical Requirement – Executive SummarySpecificationThe Bidder shall provide an executive summary including profiles of its operations and qualifications. These profiles shall outline the Bidder’s and its prospective subcontractors’ operations and technical qualifications and experience relevant to the performance of the contract. These profiles should include: locations (including but not limited to primary location, additional processing centers, backup sites, etc.), corporate and organizational structures using organizational charts, areas of expertise and overall experience with Financial Services Processing and Transaction Interfaces. The executive summary shall also include an overview, including diagrams, to their approach to providing service requirements contained herein, highlighting the strengths and capabilities of the Bidder to provide such services.Response

IV.1.C.3Mandatory

Technical Requirement – Network/Physical PlantSpecificationA clear and comprehensive description of the Financial Services Processing network that is proposed for use. Included in this description shall be information concerning the ownership, capacity, backup, recovery, redundancy and performance record of the network. Submit any diagrams or charts that may be appropriate.

Include the following information in the proposal for the proposed Credit/Charge Card network:a. Ownership: detail whether the network is proprietary or subcontracted, provide the name and address of

subcontractor(s). b. Capacity: provide the number of transactions per second currently being performed and the maximum

number of transactions per second that the network is capable of performing.c. Redundancy: describe any redundancy within the network. d. Performance: provide the total number of hours of downtime the network has had in the last year and the

average annual downtime over the last three (3) years. Separately state the number of hours of downtime included in last year’s figure that was planned downtime for maintenance and those hours that were unplanned downtime.

Include the following information in the proposal related to On-Line Debit card processing:a. The national On-Line Debit card networks which the Bidder is currently processing transactions through,

identifying which national networks the Bidder is proposing to utilize under the EVT Contract.b. The regional and local On-Line Debit card networks which the Bidder is currently processing transactions

through, identifying which regional and local networks the Bidder is proposing to utilize under the EVT Contract.

Response


IV.1.C.4.Mandatory

Technical Requirement – Relevant Work ExperienceSpecificationThe proposal must list and describe the Bidder’s any prospective subcontractors’ relevant work experience in specific projects and contracts involving provision of Financial Services Processing and Transaction Interfaces to large governmental entities (i.e., federal or state governments or their subdivisions). Descriptions should include the size, scope and duration of each project, specifying the time period the work was performed. If the Bidder has no prior large governmental experience, the Bidder should furnish information for similarly sized large commercial entities, small governmental entities (i.e., local government or their subdivisions) or similarly sized small commercial entities.Response

IV.1.C.4.Mandatory

Technical Requirement - ReferencesSpecificationThe Bidder and all prospective subcontractors must provide a minimum of three, and a maximum of five, references for Financial Services Processing and Transaction Interfaces including contact name, current phone number, address of customer or client account and a brief description of the scope of services performed and the time period the work was performed. The order of preference for the types of projects for the references are: large governmental entities, large commercial entities, small governmental entities and small commercial entities.Response

IV.1.C.5Mandatory

Technical Requirement – Key Personnel and Organizational ResourcesSpecificationThe Bidder must document its ability to provide qualified staff and other personnel resources to successfully provide the required services. The following information regarding qualifications of key Bidder and prospective subcontractor personnel must be provided: Key personnel should be listed in order of their position of responsibility relative to electronic payment

processing. Relevant qualifications, business experience and technical expertise for all key personnel should be

provided. This section should identify how the relevant qualifications or special expertise of each individual will enhance performance of the EVT Contract. Separate resumes outlining certifications held, educational qualifications and relevant experience for the past three years for key personnel should be included as an attachment.

Specific functions for each key personnel member and how they will perform including the percentage of time that will be devoted to the EVT Contract and the degree of management, oversight or direct supervisory responsibility that each individual will have under the EVT Contract shall be provided by the Bidder.

The Bidder may not replace identified key personnel without prior written notification to OGS Procurement Services Group (PSG) at the address listed in Section II.1 of this RFP. Any replacement must have equal or greater qualifications and experience than the individual replaced.


Response

IV.2.C.1.Mandatory

Technical Requirement – TrainingSpecificationThe EVT Contractor shall develop and implement a “New York State” specific training program covering initial and follow-up training. On-site training at locations designated by the Authorized User must also be offered and shall be provided to employees designated by the Authorized User. For purposes of this RFP, the Bidder shall provide details and confirm that the training program to be provided will accomplish the goals of providing Authorized User with: A thorough understanding of Credit/Charge Card and Debit Card acceptance and processing and ACH

Credit and Debit and Fedwire transactions. An understanding of Authorized User reports and reconciliation procedures. Guidance in developing internal reports. The ability to install and utilize Transaction Interface hardware to be provided by the Bidder. The necessary information to install and utilize Transaction Interface software provided by the Bidder. An understanding of security requirements, refund and chargeback procedures and fraud

prevention/detection.Response


IV.2.C.1.a.Mandatory

Technical Requirement – Implementation TrainingSpecificationThe Bidder must describe the types of training to be made available to Authorized Users throughout the term of the EVT Contract related to implementation of Payment Programs developed using the EVT Contract. This description should include training for:

i. installation and use of Transaction Interface hardware provided by the Bidder.ii. installation and use of Transaction Interface software provided by the Bidder.

Descriptions should include, but not be limited to the following components: scope and length of sessions, setting (e.g., on-site, off-site, teleconferencing, video-conferencing, Internet-based), and curriculum. The Bidder must describe any training materials that will be made available to Authorized Users.

The fee for providing this training, including materials is presumed to be included in the FSP fees. If there is an additional charge for providing this training, The Bidder must identify such charges in Table IV - Fees for Additional Services. Fees for on-site training should be exclusive of travel expenses for which the EVT Contractor will be reimbursed separately.Response

IV.2.C.1.b.Mandatory

Technical Requirement – On-Going TrainingSpecificationThe Bidder must describe the types of standard and additional on-going Financial Services Processing and Transaction Interface training to be made available to Authorized Users throughout the term of the EVT Contract. Standard on-going training is any post-implementation training made available to Authorized Users for no additional fee, Additional on-going training is any post-implementation made available to Authorized Users for an additional fee These descriptions should include, but not be limited to, the following components: scope and length of sessions, setting (e.g., on-site, off-site, teleconferencing, video-conferencing, Internet, etc.) and curriculum. The Bidder must describe any training materials that will be made available to Authorized Users.

The fee for additional ongoing training, including materials will be negotiated between the EVT Contractor and the Authorized User, except in no case may the fee exceed the EVT Contractors standard fees. The Authorized User will be responsible for all travel related costs up to state rates.Response

IV.2.C.1.c. Technical Requirement – User Manuals and System Documentation


Mandatory SpecificationThe Bidder must provide each Authorized User with the necessary user manuals and system documentation related to Financial Services Processing and Transaction Interfaces. The Bidder must describe the user manuals and system documentation that will be made available to Authorized Users.

Management Response Section – Quantifying Technical Requirements

Response

IV.2.C.3.Mandatory

Technical Requirement – Marketing and Miscellaneous SuppliesSpecificationThe Bidder must furnish a description of all marketing and miscellaneous supplies that will be made available during the entire term of the EVT Contract. The cost for these services shall be presumed to be included in the FSP and/or Transaction Interface fees. The Bidder must identify any services for which there is an extra charge and delineate such extra charges in Table IV - Fees for Additional Services.Response

IV.2.C.3.aMandatory

Technical Requirement - MarketingSpecificationThe Bidder must describe the services that will be made available to Authorized Users for promoting and marketing electronic payment programs to Device Users including the provision and use of signage, logos, inserts for mailings, etc.Response

IV.2.C.3.b.Mandatory

Technical Requirement – Miscellaneous SuppliesSpecificationThe Bidder must describe what Financial Services Processing supplies are necessary to support transactions. Note the Bidder should not duplicate Transaction Interface supplies identified in Section IV.2.C.Response

IV.2.D.3.a.Mandatory

Technical Requirement – Security PlanSpecificationThe Bidder must provide a security plan to ensure the anonymity of Device User information and that access to such information is controlled and restricted to authorized personnel only, as well as procedures to secure point-of-sale terminals, transactions on the Internet, transaction receipts and sale reports. i. Include a description of pre-employment verification procedures, employment agency screening and

security awareness training for employees. ii. Include a description of relevant logical/system security software and administrative rules including data

encryption.


Response

IV.2.D.3.b.Mandatory

Technical Requirement – Fraud PreventionSpecificationThe Bidder must also indicate the methods used to detect report and prevent fraud, theft, and all other security breaches, including examples of detection reports of unauthorized attempts.Response

IV.2.D.3.c.Mandatory

Technical Requirement – Internal Control PlanSpecificationThe Bidder must provide an Internal Control Plan, describing the checks and balances for all aspects of the services provided; including internal controls for all automated and manual processes, and controls to protect against unauthorized access to personal information. This plan must include any and all services provided by subcontractors.Response


IV.2.D.4.Mandatory

Technical Requirement – Business Continuity/Disaster RecoverySpecificationThe Bidder must provide a comprehensive Business Continuity/Disaster Recovery Plan to provide alternative processing arrangements for all services in the event of a short-term business interruption and/or long-term loss of processing capacity at the bidder’s processing site.

This Plan must incorporate all alternate facilities, equipment, telecommunications lines, staff or other resources required to ensure continuity of services required pursuant to this RFP which are interrupted for any length of time by a disaster or other unforeseen event. The Plan must encompass all recovery activities, from the initial event interrupting operations, through transitions of operations to alternate site(s) and restoration of the original operating site and include a flow chart of the disaster recovery mechanism. The Plan must address the following:i. The length of time a disaster would make their services unavailable.ii. What Bidder would do specifically to recover transactions affected by the disaster.iii. Whether they have a site to which they can transfer the processing, and whether the site is cold, warm, or

hot.iv. What is the contingency for a telecommunications failure on the primary network.v. What are the locations of the alternate sites.vi. The recovery priority New York State will receive.

The Bidder must state the exact transaction point or location at which disaster recovery is the EVT Contractor’s responsibility, and at which point or location if any, the disaster recovery is the responsibility of the Authorized User. The EVT Contractor must ensure that all Security and Confidentiality requirements pursuant to Section IV.2.D.3 above are maintained during the relocation of operations to an alternate site(s), at the alternate sites(s) and during restoration of the original operating site(s).

To the extent the Successful Bidder updates the Business Continuity/Disaster Recovery Plan as required to reflect technological, system or other changes, the Successful Bidder must provide the OGS or its designee with updated plans or portions thereof.Response

IV.2.D.5.Mandatory

Technical Requirement – Authorized User Data OwnershipSpecificationAll data collected, stored or otherwise utilized by the EVT Contractor, in conjunction with the execution of the duties and responsibilities specified in the individual Authorized User’s Implementation Plan, shall remain the sole property of the Authorized User. If at any time the EVT Contract between the State and the EVT Contractor or any order by an Authorized User is canceled, terminated or expires, the EVT Contractor is obligated to return all such data to the specific Authorized User at no additional cost and in a medium specified by the Authorized User. All records must be maintained for a period of time of no less than seven years from the date of such cancellation, termination or expiration. The Bidder must affirm their ability to meet the data storage requirements and describe its ability to maintain records for the required period of timeResponse


IV.2.D.6.b. & c.Mandatory

Technical Requirement – Implementation PlansSpecificationAs Authorized Users implement electronic payment processing systems utilizing Financial Services Processing and Transaction Interfaces, the EVT Contractor must agree to work with each Authorized User to develop mutually agreed upon Implementation Plans which specify all Financial Services Processing rates, Transaction Interfaces deliverables and rates, the timetable for deliverables, acceptance testing criteria and procedures and training for new and enhanced applications. If an Authorized User requires processing procedures that are not supported by Credit/Charge Card, Off-line & On-line Debit Card, ACH and Fedwire, SWIFT and/or CHIPS association or governing body rules or guidelines, the EVT Contactor must work with the Authorized User to seek approval from such association or governing body for such procedures, and upon approval, agree to process electronic payments under such alternative procedures. The EVT Contractor must also provide Implementation Plans, with estimated timeframes, for start up and conversion of news and/or existing applications.b. The Bidder should include in their response a description of their standard methodology for

implementation and expansion of small, medium and large electronic value transfer Payment Programs.c. The Bidder must describe its capacity to implement Payment Programs, indicating the expected timeframe

for implementing various sized programs and their capacity to implement multiple programs.Response