for Your Business
A Fast and Easy Way to Receive Payments from Customers, Directly to Your PNC Business Checking Account—Free in the PNC Mobile App.[1]
Overview
Zelle® is a fast and easy way for eligible businesses to send, receive, and request payments directly between bank accounts in the U.S.
If your customers are enrolled with Zelle® through a financial institution[2], they can send payments directly to your PNC Business Checking account with just your email address, U.S. mobile phone number, or Zelle® QR Code. With Zelle®, money typically arrives within minutes between enrolled users.
Eligibility
Who is Eligible?
You may be eligible to use Zelle® for your business if you own a business that provides services to people or other eligible businesses you know and trust[3], such as:
- Landlords collecting rent
- Health and beauty services: hairstylists, manicurists, massage therapists, estheticians, personal trainers
- Home care services: landscapers/lawn care providers, tree trimmers, gardeners, snow removal services, pool services, cleaning services
- Adult and child care providers
- Therapists: speech, physical, psychologist
- Lesson providers/coaches: music, tutoring, dance, sports
- Professional services: photographers, accountants, consultants, financial planners, event planners
- Pet services: dog walkers, pet sitters
BENEFITS
Benefits to the Business Owner
Faster Access to Funds
- No more delays. Enrolled business customers typically receive payments within minutes, not days.
- No need to worry about returned check deposits or misplaced check or cash payments.
Seamless Experience
- Simply request and receive payments on any day and at any time.
- Zelle® is built into the existing PNC Mobile App, so there’s no need to download another app.
- All transactions are recorded in your bank account activity, which makes reconciliation easy.
Limit Account Detail Sharing
- Reduce exposure of sensitive information by not sharing or requiring bank account numbers.
Request, Receive and Send to Almost Anyone
- As a business, you can manage your accounts payable and accounts receivable with any consumer or business enrolled with Zelle® through their financial institution.
Zelle® is More Convenient Than Cash and Checks
- Enhance cash flow. No need to wait for checks to clear because payments are sent directly to your PNC Business Checking account, typically within minutes[3].
- Money is sent directly to your PNC Business Checking account, so there’s a record of all payments received, and no need to store or transport cash and checks.
- Customers can pay you with Zelle® right from their banking app, so you can receive payments at any time (no extra hardware required) and skip the trip to the bank.
- Receive money by sharing just your email address, U.S. mobile number, or Zelle® QR Code with your customers.
- There are no fees to use Zelle® in the PNC Mobile App.
How It Works
Move Money in the Moment with Zelle®
Enroll Your Business Checking Account with Zelle®
- Log into your PNC Mobile App and select Send Money with Zelle®. If you do not have the PNC Mobile App, you can download it for your Apple or Android mobile device below.
- Then, follow the instructions to enroll with your U.S. mobile number or email address. If you already use Zelle® with your personal checking account, you will need to enroll a different U.S. mobile number or email address for your business than you use personally.
- If you are not already enrolled in PNC's Business Bill Pay, you will need to enroll before being able to complete your Zelle® enrollment.
Request &
Receive Payments
- Provide your U.S. mobile number, email address, or Zelle® QR Code to your customer and let them know you accept payment with Zelle® — if the customer enrolls with Zelle® through their financial institution.
- Or, you can send your customer a payment request[4] by selecting “Send Money with Zelle®,“ then “Request.” Enter your customer’s U.S. mobile number or email address and the amount of money they owe you, review, then tap on “Request.” If your customer is not yet enrolled with Zelle®, you can only send a request using their email address.
- When your customer sends a payment or responds to your payment request with a payment, the money will be sent directly to your PNC business checking account, typically in minutes between enrolled users.
Send
Money
- Select an eligible business or consumer by entering their U.S. mobile number, email address, or Zelle® QR Code.
- Enter the amount you would like to send and include an optional memo.
- Review to ensure you have entered the correct email address or U.S. mobile number for the recipient, then tap on “Send.”
Tip: Use Zelle® for refunds, supplier payments, and any payment that you need to make to a consumer or a business you know and trust!
Download the PNC Mobile App
Open a new account, deposit a check, check balances, make bill payments and more - all from our mobile app on your smartphone or tablet.[1] Available in English and Spanish.
Frequently Asked Questions
What is Zelle®?
- Zelle® is a fast, free[1], and easy way at PNC for businesses to send, receive, and request money directly between eligible bank accounts in the U.S. If your customers are enrolled with Zelle® through a financial institution, they can send payments directly to your PNC Business Checking account with just your email address or U.S. mobile number. With Zelle®, payments typically arrive within minutes between enrolled users.[3]
When should I not use Zelle®?
- Zelle® is an easy way to send and receive money with people and businesses you know and trust. If you do not know and trust the person, we recommend that you use another form of payment. Do not use Zelle® to send money to small businesses or people you do not know and trust[3].
- PNC and Zelle® do not offer a protection program for any authorized payments made with Zelle®. For example, if you make a purchase using Zelle®, but you do not receive the item or the item is not as described or as you expected, you will not be reimbursed for the transaction.
What do I need to use Zelle® for my business?
Zelle® is available to PNC Business Banking customers who have all of the following:
- An eligible PNC business banking checking account
- Business Checking
- Business Checking Plus
- Non-Profit Checking
- Analysis Business Checking
- Analysis Business Checking with Interest
- Treasury Enterprise Plan
- Business Interest Checking
- A PNC Online Banking User ID
- The PNC Mobile app on their Apple or Android mobile device
- An email address and/or a valid U.S. mobile phone number
- Enrolled in PNC Online Bill Pay (does not apply to customers who have both a PNC personal checking/Virtual Wallet and an eligible PNC Business Checking account)
How do I use Zelle® with my PNC Business Checking account?
- You can send, receive, and request money with Zelle®[2]. To get started, enroll in PNC’s Business Bill Pay here. Then, log in to your PNC Mobile App and select “Send Money with Zelle®” from the menu. Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, review and accept the Terms of Service, and you are ready to start sending and receiving money with Zelle®.
Who can I send money to with Zelle® when I have a PNC Business Checking account?
- When you use Zelle® with a PNC Business Checking account, you can send money to other businesses that bank with a financial institution that offers Zelle® to businesses. You can also send to consumers that have access to Zelle® through their mobile banking app. At this time, PNC does not support sending to (or receiving from) consumers who are only enrolled with the Zelle® app (people who use Zelle® with a debit card and are not enrolled with Zelle® through their financial institution).
- If the business or consumer you send money to is already enrolled with Zelle® through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. It is important to only send money to people you know and trust, and always ensure you use the correct email address or U.S. mobile number when sending money.
I have a PNC Business Checking account. Who can I receive payments from with Zelle®?
- You can receive payments from consumers using Zelle® through their bank’s mobile app. You can also receive payments from other businesses if their financial institution offers Zelle® to businesses. At this time, you are not able to receive payments from consumers who are only enrolled with the Zelle® app (people who use Zelle® with a debit card and are not enrolled with Zelle® through their financial institution).
How long does it take to receive payments with Zelle®?
- Once you are enrolled with Zelle®, payments you receive are typically available within minutes[3].
How do I receive payments with Zelle®?
- First, you should enroll your email address and/or U.S. mobile number with Zelle® through your PNC Mobile App and link it to your PNC Business Checking account. Second, share your enrolled email address,U.S. mobile number, or Zelle® QR Code with your customers and ask them to send you payments with Zelle® from their banking app. You do not need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile number to identify you. After the consumer sends you a payment with Zelle®, you will receive the payment directly into your enrolled PNC Business Checking account.
How do I tell my customers that they can pay me with Zelle®?
There are a few ways you can encourage your customers to pay you with Zelle®.
- Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking App.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
- Use Zelle® to request money from your customers (which will send them a notification telling them you requested payment with Zelle®).
- Add pre-approved Zelle® content to your business website: zellepay.com/smallbusiness-toolkit.
- Display or share your Zelle® QR Code.
Please note, you will only be able to receive payments from consumers using Zelle® through their financial institution’s mobile banking app. You will not be able to receive payments from consumers who are only enrolled with the Zelle® app (people who use Zelle® with a debit card and are not enrolled with Zelle® through their financial institution).
How do I use Zelle® to request a payment from my customer?
- To request money with Zelle®, select “Send Money with Zelle®” in your PNC Mobile App, choose “Request,” select the individual from whom you would like to request money, enter the amount you would like to request, include an optional note, review, and tap on “Request". If your customer is not yet enrolled with Zelle®, you can only send a request using their email address.
Does Zelle® or PNC offer purchase protection?
- Neither PNC nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected. PNC does not recommend the use of Zelle® for the buying or selling of goods and does not offer a purchase protection policy if Zelle® is used for the buying or selling of goods.
Are there any fees to use Zelle® for my business?
- No, PNC does not charge a fee to use Zelle® with a PNC Business Checking account in the PNC Mobile App[1].
I want to use Zelle® to send and receive money with friends and family from my personal checking account, as well as to send and receive payments for my business from my business checking account. Are there any differences in the experience?
- Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app do not need to do anything different to send money to a business – they use the existing Zelle® experience they already know and trust within their bank’s mobile app. However, the experience is slightly different for businesses, as businesses cannot currently send payments to or receive payments from consumers who are only enrolled with the Zelle® app (people who use Zelle® with a debit card and are not enrolled with Zelle® through their financial institution).
I already use Zelle® through my personal bank account. How do I enroll to use Zelle® with my PNC Business Checking account?
- To get started, log in to your PNC Mobile App. To enroll your PNC business checking account with Zelle®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal checking account with Zelle®.
If I use Zelle® for my business, will Zelle® integrate with my accounting software?
- No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking activity. If your bank account transactions feed into your accounting software, you will see the Zelle® payments.
How do I know if I’m eligible to use Zelle® for my business?
- If you own a business that provides services to people or other businesses you know and trust, you are eligible to use Zelle® for your business. We do not recommend using Zelle® for the buying or selling of goods.
Who should I call if I have questions or need help?
- Please call us at (877) 287-2654 so we can help you.
Can I cancel a payment if I sent money using Zelle®?
- You can only cancel a payment if the business or consumer you sent money to has not yet enrolled with Zelle®. To check whether the payment is still pending because the recipient has not yet enrolled, you can go to your activity page, choose the payment you want to cancel, and select “Cancel This Payment.”
- If you send money to a business or consumer that is already enrolled with Zelle® through their bank or credit union’s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it is important to only send money to people you know and trust, and always ensure you use the correct email address or U.S. mobile number when sending money.
- With business accounts, Zelle® does not currently support sending money to or receiving money from users who are only enrolled with the Zelle® app (people who use Zelle® with a debit card and are not enrolled with Zelle® through their financial institution).
- If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you are unable to get your money back, please call us at (877) 287-2654 so we can help you.
As a business, is there a limit to how much money I can send with Zelle®?
- While there are no receive limits, your daily and monthly send limits are displayed when sending a payment in the PNC Mobile app.
Zelle® is for your personal payments too.
For details on how to use Zelle® with your PNC Personal Checking or Virtual Wallet account, please visit PNC.com/Zelle.
Associated Products & Services
Important Legal Disclosures & Information
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 doesn’t currently charge a fee to send or receive money with Zelle®. However, your enrolled PNC account may incur overdraft fees, monthly service charges, and other fees as described in your account fee schedule.
To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.
Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers a protection program for authorized payments made with Zelle®. Zelle® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle® Terms of Use for additional terms and conditions. Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use.
To send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Apple, Apple Watch, iCloud, Mac, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Face ID, Touch ID, and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.
Google Pay and Google Play™ and Google Play logo are trademarks of Google LLC.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.
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