PNC Pay®

Now Available for PNC Customers Using the PNC Mobile app on Android Devices

With PNC Pay you can now use your eligible mobile device and PNC cards to make in-store purchases right from the PNC Mobile app.

Get Started Now

Download the PNC Mobile App to begin using PNC Pay.

Have Questions?

Learn more about PNC Pay.

PNC Pay lets you use your PNC consumer and small business credit and debit cards[1] and SmartAccess® cards to make in-store purchases at your favorite merchants using the PNC Mobile App[2] on your eligible Android mobile device. With PNC Pay, you can breeze through checkout lines by simply holding your mobile device to the contactless payment terminal – no need to swipe or dip a plastic card to complete your purchase.

The PNC Mobile app is designed to put powerful financial insights right at your fingertips. PNC Pay’s integration with the PNC Mobile app allows you to make payments, check account balances, view rewards and more all in one place – no switching apps required. 

Payments Made Easy


  • PNC Pay works virtually anywhere contactless payments are accepted. By enrolling your eligible PNC consumer and small business credit and debit cards and SmartAccess cards in PNC Pay, there’s no need to pull out your wallet when making everyday purchases at your favorite stores. 

  • When you make a purchase using PNC Pay, a digital card number is used to process payments instead of your plastic card number. Your actual card number is never shared with the merchant when you shop.

  • With PNC Pay you still get all the rewards and benefits that your PNC credit or debit card already provides, and your PNC Pay transactions are all covered by the same PNC Security & Privacy that protects your PNC credit and debit cards.


Get Started Now

  • It’s easy to start making mobile payments using your PNC consumer and small business credit and debit cards and SmartAccess cards from the PNC Mobile app on an eligible Android mobile device. 
  • Simply open the PNC Mobile app on your compatible device, navigate to 'Cards' from the main menu, and follow the instructions to enroll them in PNC Pay.
  • Once you're ready to make a purchase, wake your mobile device, hold it near the contactless payment terminal, and authenticate using your PIN, pattern, passcode or fingerprint. An on-screen message will let you know your payment was accepted.

  • Apple mobile device users can also make contactless payments from the PNC Mobile app using Apple Pay. Learn more about Apple Pay »



Pay for Your Purchases With Rewards


  • PNC Pay lets you make purchases with your Android mobile device then gives you an option to redeem rewards to your account to help pay for your purchases.

  • PNC points®, PNC Flex®, or PNC Cash Rewards® credit card customers who have a points or cash back balance large enough to pay for their entire purchase will automatically receive a push notification stating, “Pay for your purchase with your rewards!”

  • To do so, simply tap the push notification, log in to your PNC Mobile App and select the option to redeem your rewards. You’ll also be able to view your eligible transaction(s) and the amount of points needed to redeem.


Frequently Asked Questions

Don't have a PNC credit card?

Compare our credit cards »

Where can I use PNC Pay?

PNC Pay is accepted at over one million stores across the US. When you're ready to check out, look for the contactless payments symbol where you normally swipe your card.

When you see one of these symbols at checkout, hold your mobile device in front of the secure reader to initiate your payment. The contactless reader communicates wirelessly with your phone, so all you need to do is tap, pay and you’re done.

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Security & Privacy

We are committed to protecting the security and confidentiality of your information.

Learn More »

Important Legal Disclosures and Information

  1. PNC MasterCard® and commercial credit cards are not eligible at this time.

  2. PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.

PNC Pay, PNC Cash Rewards, PNC Flex and PNC points are registered marks of The PNC Financial Services Group, Inc. PNC Bank reserves the right to change or terminate the PNC points program at any time.

Visa is a registered trademark of Visa International Service Association and used under license.

Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

MasterCard® is a registered trademark of MasterCard International, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC