Payment Gateway and Fraud Engine

The Payment supplier for the LNER Website and App contract is up for renewal. We are looking for an innovative, forward-thinking and agile payment supplier who is able to deliver tier 1 fraud and PCI compliance settlement of all digital payments in a reliable, secure and scalable environment. They must be able to grow and increase volumes as and when our transactions increase either with COVID resolution or further business expansion of the system.

Favourable market rates plus an agile approach to development are essential for us to achieve our future customer payments vision.

Provider MUST be fully PCI DSS compliant and fully regulated to tier 1 from the outset - compliance must be maintained at all times throughout the contract and will be required to supply comliance evidence on an at least annual basis.

Core payment facilitation and future vision:

• All major credit and debit cards to include as a minimum: Mastercard, Visa and Amex
• PayPal
• Apple and Google Pay
• Amazon Pay
• Buy now, Pay later
• Cryptocurrency

Fraud screening and monitoring service to provide:

• Ability to monitor payments for fraud
• Rules Based with learning to reduce fraud
• Manual review where necessary
• Plus additional functions etc.

Reporting:

• Ability to access transaction reporting in real time through a web-based portal, including ability to manually void/refund
• Availability of a daily API to detail transactions for the previous day, plus access to downloadable reporting