PNC Mobile Accept®

Simple & Cost-Effective Payment Processing Solution

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PNC Mobile Accept requires an active PNC business checking account.

PNC Mobile Accept^® Overview

Pay-as-you-go Payment Processing for Startups & Small Businesses

Available for select business types

Businesses with under $300,000/year in card transactions
With average transaction size under $1,000

Please inquire about which industries are suitable for this product, as they may change over time.

Supports full-service card processing

Including (but not limited to) Visa^®, Mastercard^®, Discover^® and American Express^®
Debit cards are considered credit transactions and must be Visa or Mastercard branded (no PIN or Signature entry is available)
Get paid right from your phone or tablet via the PNC Mobile Banking app^[1,2]

How PNC Mobile Accept May Benefit Your Business

Simple

As easy as a dip, tap or swipe – you can also manually enter card information in the PNC Mobile Banking app
Easily enable tax and tip functionality to your transactions^[3]

Cost Effective

No monthly fees – pay-as-you-go pricing
Access to your collected funds within three business days^[4]

Security

Fully integrated safety and security features
Cardholder data is fully encrypted to help protect against fraud

Card Reader

Secure magnetic stripe and EMV contact chip reader (Swipe/Dip)

$49 plus tax with PNC Mobile Accept account

Includes Shipping

Bluetooth^® connectivity
Card data protection, transaction security and convenience needed to help secure mobile applications with strong encryption and proven authentication
Ergonomic design simplifies card swiping
Over 1,000 card swipes between charges

Transaction Pricing

Swiped / Dipped Fees 2.60% + $0.10

Per Swipe Transaction

Standard or chip debit and
credit cards

Manual Card Entry 3.45% + $0.15

Per Non-Swipe Transaction

Standard or chip debit and
credit cards

Swipe and Non-Swipe transaction prices do not include equipment costs, chargeback fees, app fees and other fees. Equipment and transaction pricing may be subject to change at any time.

Apply & Activate

Easy as 1 - 2 - 3

Requires a PNC Business checking account to get started

Learn More

Activate Tools to View Transactions

Enroll in PNC Online Banking

Download the PNC Mobile App

Two Ways to Apply for PNC Mobile Accept

Apply Online

Schedule a Branch Appointment

Mobile device software requirements:

iPhone^® or iPad^® mobile digital devices: iOS^® 14.0 or higher

Android^® mobile device: Marshmallow SDK Version 23 or higher

Explore PNC Mobile Accept for Customer Card Payments

Our Tutorials Include Features & How-to Instructions

Learn more from our Visual Step-by-Step Activation and Usage Tutorials.

View Tutorials

Browse additional How-to FAQs plus customer support topics.

Contact Us

Visit a branch to get started or call us for support with your existing account.

Let’s Meet

Talk with a business banker
about PNC Mobile Accept.

Schedule an Appointment

Visit Us

Find a location and
stop by to see us.

Find a PNC Branch

Existing Customer Support

Mon - Fri: 8 a.m. - 8 p.m. ET
Press option 4, then option 1

1-877-287-2654

PNC Mobile Accept is a method of accepting credit card payments and is available through PNC Mobile Banking. Payment processing services through PNC Mobile Accept are provided by Tempus Technologies, Inc. (a wholly owned subsidiary of PNC Bank, N.A.) and subject to application, credit review of the business and its owners, and approval. Use of PNC Mobile Accept requires (1) an eligible and active business checking account and agreement with PNC Bank, N.A. (2) an approved and active payment processing account and agreement with Tempus Technologies, Inc., and (3) the PNC mobile banking application be downloaded and installed on a supported device. Certain other restrictions may apply.
PNC Bank does not charge a fee for Mobile Banking, but upfront charges and fees apply to the payment processing services through PNC Mobile Accept. In addition, third party message and data rates may apply to your use of or access to Mobile Banking, including PNC Mobile Accept, such as fees your wireless carrier may charge you for data usage or SMS/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. PNC Mobile Accept and payment processing services are not deposit products and are not guaranteed or insured by the FDIC or any other governmental agency.
Tax and tip functionalities are features available through PNC Mobile Accept. You are responsible for the accuracy and validity of all data entered into these features and proper application to your transactions. Features you elect to apply to any transaction will apply to the entire transaction. Guidance related to using or availability of these features is not legal or tax advice. You should consult an attorney or your qualified tax adviser for advice specific to your circumstances.
Except as is otherwise set forth in your agreement for payment processing with Tempus Technologies, Inc., your funds for card transactions will ordinarily be transferred to your PNC business checking account within three business days from the time your batch (an electronic file containing your card transactions) is received. If a batch is received after the cut-off time, or on a day that is not a business day, those transactions will generally be processed on the next business day. Business day means Monday through Friday, excluding Federal holidays.

PNC and PNC Bank are registered marks of The PNC Financial Services Group, Inc. (“PNC”).

PNC Mobile Accept and Mobile Accept are registered marks of The PNC Financial Services Group, Inc.

Tempus Technologies is a registered mark of Tempus Technologies, Inc.

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

Mastercard is a registered trademark of Mastercard International Incorporated.

Discover is a registered trademark of Discover Financial Services.

American Express is a federally registered trademark of American Express Marketing & Development Corp. in the United States and other countries.

Android is a trademark of Google LLC.

iOS is a registered trademark of Cisco Systems, Inc. and/or its affiliates in the United States and certain other countries.

Apple, iPhone and iPad are trademarks of Apple Inc.

The Bluetooth® word mark is a registered trademark owned by Bluetooth SIG, Inc.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries. iPhone and Apple Pay are trademarks of Apple Inc.

Banking products and services and bank deposit products are provided by PNC Bank, National Association, a wholly-owned subsidiary of The PNC Financial Services Group, Inc. and Member FDIC.

To help the government fight the funding of terrorism and Money Laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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.

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