Next Business Day Funding puts your customers’ card payments to work for your business sooner.
Estimate how much next business day funding could add to your cash flow with this calculator.
If you frequently get paid with Corporate, Fleet, or Purchase Cards, qualifying for the lower interchange rates that come with Level 3 Card Processing may reduce your interchange costs.
Use this calculator to determine if your card payment processing could benefit from Level 3 qualification by entering your total annual card processing volume, and what percentage of your card processing volume is Corporate, Fleet, and Purchase cards.
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.
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Supporting a wide range of financing alternatives.
Explore revolving lines of credit, leasing strategies, card programs, real estate acquisition, construction loans and more.
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Security features from PNC Merchant Services include solutions that offer data encryption, tokenization and software monitoring for virus protection. These services are offered through TransArmor and Clover Security, and are only 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.
Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.
Customers must establish a new PNC Merchant Services account 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. A separate agreement for Clover Check Acceptance may also have been signed. Please refer to your Clover Check Acceptance agreement for termination policy. Optional services may incur additional fees.
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.
Except as is otherwise set forth in your agreement for merchant services, your funds for MasterCard, Visa, Discover, PayPal and American Express 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.
PNC Merchant Services is not responsible for any third party services including BlueSnap. The BlueSnap service is subject to BlueSnap’s terms and conditions. You are responsible for selecting your third party services. PNC Merchant Services may receive a share of the revenue through this referral partner.
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.
Bank deposit products and services provided by PNC Bank, National Association (N.A.). Member FDIC
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.