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PNC Merchant Services® for Commercial and Corporate Businesses

Accelerate. Optimize. Protect.[1]

Do your payment options make it easy for customers to do business with you? With a PNC Merchant Services® account, we offer solutions and industry experience that may help.[2]


End-to-end card payment processing solutions

  • Put point of sale (POS) solutions to work for you - at your locations or on the go.
  • Choose from our e-commerce solutions or select your own from more than 800+ compatible third-party gateways and software.
  • Integrate with several third-party enterprise resource planning (ERP) systems.
  • Implement electronic invoicing and payment.[3] Download PayerExpress product sheet »

24/7/365 customer care and support

  • A dedicated Relationship Manager and implementation team, for all merchant services account needs.
  • Ongoing education and payment industry insights.
  • Specialists to assist with chargeback disputes, reporting, and understanding interchange.



Accelerate and optimize how you receive card payments

Protect your reputation, business, and customers’ payment data.[1,5]

  • Solutions providing encryption and tokenization for payment card data.
  • Data protection tools to help you understand and take steps to achieve PCI compliance.
  • Services to assist with the PCI Self-Assessment Questionnaire (SAQ) and help maintain PCI compliance.



Discover more about your business, sales data and customers.

  • Leverage online tools that help you gain greater insight into managing your electronic transactions.
  • Transform payments data into insights about your customers, sales, and similar businesses.

Industries We Serve

Whatever the size, scope, or needs of your business or organization, PNC Merchant Services is here for you, offering solutions geared for your industry.

Wholesalers, Manufacturers,
and Other B2B
  • Merchant solutions for business-to-business and large ticket programs.
  • Specializing in integrated gateway and software solutions, interchange optimization and receivables acceleration.

  • Card payment solutions designed to meet the unique needs of healthcare practices.
  • Specializing in simplifying patient payments across the revenue cycle.


Retail and Food



Education and Government

  • Solutions and experience in the public and nonprofit sectors, including universities and local government.
  • Specializing in custom processing and data security solutions[1], PCI compliance achievement tools[5], and service fee enablement.[2]



Other Resources

Treasury Management

Providing a full suite of solutions to meet your cash management needs.

Explore our receivables, payables, deposit and account services, liquidity, online and mobile banking and management.

Learn More »

Commercial Lending

Supporting a wide range of financing alternatives.

Explore revolving lines of credit, leasing strategies, card programs, real estate acquisition, construction loans and more.

Learn More »

Asset Management

Ensuring your business is ready for today and tomorrow.

Explore our advisory, retirement and asset management solutions.

Learn More »

If your business is under $5 million in revenue, please visit our:
Merchant Services site for Small Businesses »


Contact Us

Are you ready to explore the ways PNC can help you build your business?

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  1. Security features from PNC Merchant Services include solutions that offer data encryption, tokenization and software monitoring for virus protection. These security features may be available for a fee. PNC Merchant Services is not liable for any breach that occurs, and it is the customer’s obligation to comply with all data security requirements related to the use of the offered security features. PNC Merchant Services makes no representations, warranties or guarantees regarding your use of the security features.

  2. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc. Merchant Services are not deposit products. PNC Merchant Services does not offer deposit products and its services are not guaranteed or insured by the FDIC or any other governmental agency. Merchant Services are subject to application, credit review of the business and its owners, and approval.

    Customers must establish a new PNC Merchant Services account and execute a PNC Merchant Services agreement with an initial term of three years or longer. An early termination fee will not be applied if you close this account prior to the end of the term. If you have leased Clover or other equipment, this is a separate agreement and is noncancellable. Please refer to your lease agreement for details. Purchased Clover or other equipment is nonreturnable and is subject to availability.

  3. PNC PayerExpress and PNC Payment Gateway require a PNC Treasury Management Comprehensive Agreement and a PNC Merchant Services agreement. Additionally, accounts (Demand Deposit and Merchant Services) are required for the solution to operate.

  4. Except as is otherwise set forth in your agreement for merchant services, your funds for transactions will ordinarily be processed and transferred to select PNC business checking accounts within one business day from the time PNC Merchant Services receives your batch (which is an electronic file containing your card transactions). If a batch is received after our cut-off time of 10:00 PM ET, or on a day that is not a business day, we will generally consider the batch as being received on the next business day. Business day means Monday through Friday, excluding Federal holidays.

  5. Payment Card Industry Data Security Standards (“PCI DSS”) are a mandatory set of security standards designed to help reduce the risk of fraud and theft of customers' sensitive credit and debit card data. To validate your compliance with PCI DSS, you must complete a Self-Assessment Questionnaire (or SAQ). Depending on how you process payments and the type of Internet connection you use, you may also be required to perform quarterly network vulnerability scanning.

Visa is a registered trademark of Visa International Service Association and used under license; MasterCard is a registered trademark of MasterCard International, Inc.; Discover is a registered trademark of DFS Services, LLC: American Express is a registered trademark of American Express Marketing & Development Corp. in the United States and other countries.

All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.