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 Mobile Accept® Customer Support
FAQs & Support for Common PNC Mobile Accept[1] Topics
Explore PNC Mobile Accept for Customer Card Payments
Our Tutorials Include Features & How-to Instructions
Card Readers or Device
Important Steps Before Pairing
Complete the following steps before pairing your card reader to your mobile device for the first time:
- Update your device software and the PNC Mobile app.
- Charge and place your card reader near your mobile device. Turn on card reader with a long press and then release.
Recommended Pairing Method
- Make sure your new card reader is charged and in pairing mode.
- Select "Payment Center" under the business checking account enrolled in Mobile Accept.
- Select the settings icon from Mobile Accept Payment Center
- Select "manage card readers".
- Select the card reader you want to pair.
- If prompted, enter “000000” for a pairing code or PIN. "Pairing complete" will appear after the card reader is paired.
If your card reader fails to pair, reset the card reader by pressing and holding the reader button for at least 15 seconds.
If you already have a card reader paired to your device, you'll need to unpair it before you can pair your new card reader:
- Open "Settings".
- Tap "Bluetooth®".
- Select the card reader to unpair.
- Select "unpair".
Accept Payments After Pairing:
- When Using a Card Reader:
- When Manually Entering Card Details:
View step-by-step visual tutorial
iOS® Unpairing iPhone® or iPad® Mobile Digital Devices
If you already have a card reader paired to your device, you’ll need to unpair it before you can pair your new card reader:
- Open Settings from your iPhone® or iPad® mobile digital device home screen.
- Select Bluetooth®.
- Select the card reader to unpair under My Devices.
- Select Forget This Device.
Important Steps Before Pairing
Complete the following steps before pairing your card reader to your mobile device for the first time:
- Update your device software and the PNC Mobile app.
- Charge and place your card reader near your mobile device. Turn on card reader with a long press and then release.
Recommended Pairing Method:
- Make sure your new card reader is charged and in pairing mode.
- Select "Payment Center" under the business checking account enrolled in Mobile Accept.
- Select the settings icon from Mobile Accept Payment Center.
- Select "manage card readers".
- Select the card reader you want to pair.
- If prompted, enter “000000” for a pairing code or PIN. "Pairing complete" will appear after the card reader is paired.
If your card reader fails to pair, reset the card reader by pressing and holding the reader button for at least 15 seconds.
If you already have a card reader paired to your device, you'll need to unpair it before you can pair your new card reader:
- Open "Settings".
- Tap "Bluetooth®".
- Select the card reader to unpair.
- Select "unpair".
Accept Payments After Pairing:
- When Using a Card Reader:
- When Manually Entering Card Details:
View step-by-step visual tutorial
Android® Mobile Device Unpairing
If you already have a card reader paired to your device, you’ll need to unpair it before you can pair your new card reader:
- Open your Android® mobile device Settings.
- Find Connections or navigate to your Bluetooth® settings. Use the search feature if available.
- Locate the reader to unpair.
- Select the icon next to the card reader to unpair. This is a gear icon in Samsung devices.
- Select Unpair or Forget.
- Follow all prompts on your device.
To replace or order additional card readers, contact us at 1-877-287-2654. When prompted, say "PNC Mobile Accept" for support. Additional costs may apply.
Transactions
PNC Merchant Portal is an online webtool for PNC Mobile Accept users to help simplify funding, disputes and reporting. It is your centralized hub for managing card payments. Track transactions, review funding and resolve disputes – all in one place.
To access PNC Merchant Portal, you must have a Mobile Accept account and use your existing PNC online banking credentials to login - https://merchant.pnc.com
Use the PNC Merchant Portal to view near real-time information for:
- Overview
Get a quick snapshot of your business performance. Access near real-time key metrics at-a-glance to stay informed. - Transactions
Track every card payment and see details. Confirm sales and monitor activity. - Funding
Know when funds should hit your account. Easily match deposits to sales for bookkeeping. - Disputes
Handle chargebacks efficiently. Help protect your revenue and manage disputed transactions. - Reports
Access detailed insights on transactions and trends. Help make smarter business decisions with data.
You can view your most recent transactions from Mobile Accept Payments Center in the PNC Mobile Banking app.
Select see all to see all your transactions for the last 180 days.
You can search transactions from the past 2 years.
- On the Transaction History screen, select the search icon.
- Enter a range for the transaction amounts and any other data you have on the Search Transactions screen.
- Enter additional data in optional fields to narrow your search results. To broaden your search, you can leave optional fields blank.
- Note: If you enter a value in the "amount from" field, the "amount to" field will be required. Also, the value in the "amount from" field must be less than or equal to the "amount to" field.
- Select “search”.
You can use swipe, dip or tap to accept a card payment from a card issued outside of the United States.
Manual entry is only available for cards issued in the U.S.
When a customer disputes a transaction with their card issuer, the issuer will submit a claim for the transaction amount. We’ll debit your checking account for the transaction plus a $25 Chargeback Fee.
For example, if the chargeback amount is $10, we’ll debit your checking account $35. We’ll email you when a chargeback occurs.
To dispute the chargeback, sign into your PNC Merchant Portal and go to Disputes in dashboard. From there you can submit your dispute with supporting documentation.
We'll send you an email with the payment network or card issuer's decision upon receipt, typically around 10 to 12 business days.
If the chargeback dispute is successful, we'll deposit the returned transaction amount into your settlement account. The $25.00 chargeback fee will not be refunded.
- Go to Mobile Accept Payments Center in the PNC Mobile Banking app
- Select the transaction you'd like to refund under recent transactions - you may need to select see all to find it.
- Select Full Refund or Partial Refund type.
- If void appears instead of refund, your customer's card hasn't been charged yet. Select void to cancel the transaction so your customer's card won't be charged.
View step-by-step visual tutorial
Transactions more than 180 days old.
- Sign into your PNC Merchant Portal to access details on older transactions as well as issue refunds, if applicable.
If a swiped, dipped, or tapped card is declined, it may be damaged or have insufficient funds.
NOTE: There are restrictions on retrying manually keyed declined transactions under the network rules.
Manage Your Account
Only the primary account holder can enroll in Mobile Accept. Delegates can't be enrolled at this time.
To unenroll from Mobile Accept, you'll need to close your Merchant Services account. Call 1-877-287-2854. When prompted, say "PNC Mobile Accept" for support.
Processing Payments
Processing fees:
Swiped/Dipped/Tapped: 2.60% + $0.10
Manual Entry: 3.45% + $0.15
Other fees:
Chargeback: $25.00
ACH reject: $20.00
To view fee information for transactions, sign in to the PNC Merchant Portal on a computer and select “Transactions”. You can also find transaction and fee information on your monthly statements.
View your payment processing agreement for all fees and other amounts that may be charged in connection with your Mobile Accept account.
- Transactions processed by 9:59 PM ET are grouped together and deposited to your account within 2 business days minus the applicable fees.
- Transactions processed from 10:00 PM ET are grouped with the next business day’s transactions.
- Business days are Monday through Friday, excluding federal holidays.
Setup Taxes & Tips[2]
You can create up to 3 taxes and apply 1 to each transaction.
To create a tax:
- Go to "Settings"
- Select “manage taxes”
- Select “create tax”
- Enter a tax label, such as “sales tax”
- Enter a tax rate
- To have the tax preselected for each transaction, turn on “set as default” (Ensure all tax settings are accurate before proceeding)
- Select “save”
View step-by-step visual tutorial
If you don’t set any of your taxes as default, “no tax” will be preselected for each transaction.
You don’t have to apply the preselected tax option to your transactions. You can select one of your other options from the tax dropdown on the “Accept Payment” screen
To apply multiple taxes to a single transaction, create a combined tax that adds those individual taxes together.
When you add this tax to a transaction, it will be calculated on the total sales amount with the tax rate you entered.
Ensure all tax settings are accurate before proceeding.
To accept tips from customers:
- Go to “Settings”
- Select “manage tips”
- Toggle on “enable tipping”
- Three Tip options will appear: “15%”, “18%”, and “20%”. You can select an option to edit the percentage.
View step-by-step visual tutorial
Your customers will also be able to select “custom tip” or “no tip” during their transactions. These options can’t be edited.
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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.
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.
PNC and PNC Bank are registered marks of The PNC Financial Services Group, Inc. (“PNC”).
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