PNC Merchant Services^®

End-to-end payment
processing solutions

If your business is over $5 million in revenue, please visit our
Merchant Services site for Commercial Businesses

Our Payment Processing Works for You^[1]

Find the best fitting payment platform, guided by industry-leading experience.

Simplify Payments

Your customers can pay where and how they want – in person or online with swipe, dip, key, tap and online payments.

Get Paid Faster

You’ll be funded next-day^[2] when you deposit into select PNC business checking accounts, or even sooner with Rapid Deposit^[3].

Keep Tabs on Everything

Web and cloud-based^[4] tools help you monitor security, marketing, employee engagement, inventory and more – and we’re here to support you every step of the way.^[5]

Stay Secure

Clover Security gives you end-to-end security with encryption, monitoring, anti-virus and more.

About Clover Security

Contact Us Anytime

Our Merchant Services specialists are committed to helping you resolve your issue, 24/7/365.

Contact Merchant Services

New PNC Merchant Services Customers Can Earn up to a $300 Statement Credit^[6]

$300

when you open a new account and process $10,000 or more over the first 3 billing cycles

$150

when you open a new account and process $2,500 or more over the first 3 billing cycles

Simple, Transparent Pricing for All of Our Solutions

Customized transaction pricing is also available.
Talk to a Merchant Services representative to explore pricing that works for you.

Transaction prices do not include equipment costs, chargeback fees, app fees and other third-party charges, or cost
of software required in order to utilize some apps in the Clover App Marketplace.

In-Person &
Card-not-present Transactions

2.60% + $0.10

Per Swipe Transaction

Standard or chip debit and credit cards

3.45% + $0.15

Per Non-Swipe Transaction

For retail payments - over the phone or manually entered

Flat Rate
e-Commerce Transactions

2.90% + $0.30

Per e-Commerce Transaction

Flat rate pricing per online-only purchases

For businesses that want to establish or improve their online sales presence to supplement or replace
brick-and-mortar sales.

Open Your Virtual Doors with our e-commerce Solutions

Solutions to Fit Your Industry

Payment Processing Services Designed to Grow with Your Business
All Solutions Require a PNC Merchant Services Account. Subject to device availability

Restaurant
Retail
Medical, Dental, Veterinary
Nonprofit

Restaurant Payment Solutions

Unique offerings^[7] for restaurants – including Clover^® devices and LINGA^®, a cloud-based solution – help you:

Reward repeat visits from loyal diners
Staff more efficiently with table layout management, timekeeping and payroll
Track inventory and purchases automatically with alerts to make sure you're covered.
Take orders seamlessly whether it's online, at the table or at the counter.
Manage front and back of house operations and analytics with LINGA rOS^®- a comprehensive cloud-based operating system.

Retail Payment Solutions

Meet your customers where they are so you can get paid.

Unique offerings^[7] for retail businesses help you to:

Take payments wherever customers are – at the counter, on the go and online
Automate inventory management, customer engagement, scheduling and more.
Track sales with barcode scanning, low inventory alerts and more.
Integrate with e-commerce solutions for a cohesive experience on all channels.

Medical, Dental & Veterinary Payment Solutions

Simplify payments for you and your patients.

Unique offerings^[7] for healthcare practices help you to:

Automate payment posting into many Practice Management Systems
Take payments by card-present and pay by text/email capabilities
Create recurring payment plans
Personalize bills with your own practice's logo.
Leverage additional security for patient information.

Nonprofit Payment Solutions

It’s more than getting paid – it’s building and supporting your community.

Unique offerings^[7] for nonprofits help you to:

Manage fundraising and communications
Build relationships with donors and members
Build a website in support of your mission
Create, ticket and promote events

Payment Devices

Choose Devices With Features That Work Best for Your Business^[5]

Clover® Go

From a customer’s job site to a festival booth to a remote location in your own building, you can ring up sales when and where you want, all from your smartphone or tablet.

Learn about Clover Go

Clover® Compact

Easy to use, reliable and low-cost terminal solution that delivers the power to quickly and securely take payments while integrating with your existing POS system.

Learn about Clover Compact

Clover® Flex Pocket

Mobile, it fits right into your back pocket or apron, and light enough to be carried around all day. Flex Pocket delivers Flex functionality in a lighter more portable form.

Learn about Clover Flex Pocket

Clover® Flex

Take orders, confirm inventory^[5] and accept payments anywhere, all without extra trips to process a card or check a storeroom.

Learn about Clover Flex

Clover® Mini

Customizable point-of-sale and payment processing in one secure, convenient package that's intuitive, easy to use, and easy to move.

Learn about Clover Mini

Clover® Station

Businesses looking for an all in one point-of-sale solution with extensive software and functionality.

Learn about Clover Station

Frequently Asked Questions

PNC Merchant Services are end to end payment processing solutions that help you accelerate and optimize how you receive card payments, help protect business customer’s payment data and discover more about your business, sales data and customers with 24/7/365 customer care and support.

You’ll need a business checking account from the bank of your choice to apply for PNC Merchant Services. Connect with a Merchant Services representative at 1-888-562-2300 to get started.

You can take payments in person with swipe, dip and tap, manual entry and mobile wallet. You can also accept payments online and by phone with manual entry.

We offer dedicated support from payments specialists for how you do business.

We also offer support with PCI Compliance, encryption, tokenization, monitoring, data scanning and anti-virus protection through Clover Security^[8].

Insights

Manage Business Finances

How to Improve Your Business’ Digital Shopping Experience

By understanding what consumers want when shopping online, you can tailor your businesses’ digital offerings for an optimal experience.

4 min read

Manage Business Finances

Insights for Small Businesses to Integrate Flexible Payment Options

Customers now have more choices and increased leeway in their payment options.

2 min read

Manage Business Finances

Mobile Payment Types for the Modern Entrepreneur

From contactless readers to QR codes, discover mobile payment solutions for the manufacturing, services, retail, & food, beverage, & agriculture industries.

4 min read

View More Insights

Don’t Have a PNC business checking account yet?

Every business needs a good foundation that starts with a PNC business checking account. Browse our checking accounts and apply

Contact Us

It's Easy to Get Started with PNC Merchant Services

Call Us

Speak to a PNC Merchant
Services Representative

1-888-562-2300

Email Us

Submit a Contact Request
Form and We Will Contact You.

Request Contact

Customers must establish a new merchant account (subject to application, credit review of the business and its owners, and approval) and execute a merchant services agreement with PNC Merchant Services Company.

Subject to availability, point-of-sale devices (including Clover devices) are purchased from PNC Merchant Services Company. Purchased devices are not returnable or refundable. Equipment lease options may be available from a third-party, subject to separate agreement that cannot be cancelled. In addition to procurement cost, other fees associated with the use of any point-of-sale device will apply.
Except as is otherwise set forth in your agreement for merchant services, your funds for 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.
Rapid Deposit is a registered mark of Clover Network, Inc., a wholly owned subsidiary of Fiserv, Inc. Eligibility for use of Rapid Deposit is determined by Clover.

Clover, a Fiserv company, has enabled certain Clover devices with an application to enroll in its Clover Rapid Deposit service, offering you the ability to request faster access to your card proceeds. Clover Rapid Deposit is a third-party service feature and you will be subject to the terms and conditions agreed upon when you enroll in the service. There will be a 1% fee per transaction request when using the Rapid Deposit service.

PLEASE BE ADVISED THAT IF YOUR DEPOSITORY BANK HAS A CUT-OFF TIME FOR POSTING DEPOSITS TO YOUR BANK ACCOUNT, YOU MAY NOT RECEIVE YOUR RAPID DEPOSIT FUNDS UNTIL THE NEXT BUSINESS DAY. PLEASE CONTACT YOUR DEPOSITORY BANK FOR INFORMATION ON DEPOSIT CUT-OFF TIMES.

Maximum daily total deposit limitations and individual transactions in a 24-hour period is dependent on merchant account processing status and sales volume. See your Rapid Deposit agreement for details. Deposit limits disclosed with your debit card will also apply.

PNC Merchant Services is not responsible for any third-party services, including the Clover Rapid Deposit Service. The Clover Rapid Deposit Service is subject to Clover’s terms and conditions and fees. You are responsible for selecting your third-party services. If you enroll in Clover Rapid Deposit using the Clover device associated with your PNC Merchant Services account, PNC Merchant Services may receive a share of the revenue.

Except as is otherwise set forth in your agreement for merchant services, your funds for 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.
Wi-Fi access or cellular data may be required. Additional costs for cellular data usage.
A separate software package is required to use Clover devices and subject to agreement and fees directly with Clover. Certain other features and functions for Clover devices may also require third-party applications subject to terms of the developer and/or additional fees. These software packages and apps are not provided by PNC Merchant Services. PNC Merchant Services is not responsible for these apps or Clover software packages. However, PNC Merchant Services may earn a commission if you choose to use certain third-party services.
Merchant services are provided by PNC Merchant Services Company and subject to application, credit review of the business and its owners, and approval. Promotional offer is only available for qualified new and approved customers of PNC Merchant Services Company (“New PNC Merchants”). Existing customers of PNC Merchant Services Company (“PNCMS”) are excluded from this promotion. To qualify for a statement credit, New PNC Merchants must (i) execute a PNC merchant agreement with an initial term of three years or longer, (ii) establish a new PNC Merchant Services account approved by PNC (assigned a merchant account number), (iii) use device(s) other than, or in addition to, the Electronic Payments Center, Clover® Go, PNC Mobile Accept® and/or Clover® Account-Only and (iv) submit Valid Transactions to PNCMS for processing in the first three billing cycles with a gross dollar value in the aggregate equal to (A) $10,000.00 or more (“Threshold 1”) or (B) $2,500.00 to $9,999.99 (“Threshold 2”). Valid Transactions are debit or credit card transactions submitted to PNCMS for full-service processing (authorization and settlement) and do not include authorization-only transactions, PNC Mobile Accept® transactions, Clover® Go transactions or Clover® Account-Only transactions. For clarity, New PNC Merchants using only (a) the Electronic Payments Center (EPC), (b) Clover® Go, (c) PNC Mobile Accept® and/or (d) Clover® Account-Only as its only method(s) of submitting Valid Transactions do not qualify for a statement credit under this promotion.

A statement credit will be issued typically within two billing cycles once PNCMS determines all qualifying criteria have been satisfied. New PNC Merchants meeting Threshold 1 will be issued a statement credit equal to $300. New PNC Merchants meeting Threshold 2 will be issued a statement credit equal to $150. The statement credit is a one-time credit and only one statement credit is available per New PNC Merchant. Any statement credit, if earned, will be forfeited if the PNC Merchant Services account is closed before the credit is awarded. The statement credit may be reported on IRS Form 1099-INT (or other appropriate tax form) for the year in which you receive your statement credit. PNCMS reserves the right, in its sole discretion, to modify, suspend or withdraw the qualifying criteria, statement credits or this promotion at any time. This promotion is not valid with any other PNCMS offer.
This product or service is offered from an affiliate of PNC Merchant Services Company or one of its third-party partners. Separate contract and fees apply. Should you elect to receive these services, PNC Merchant Services Company may receive a commission.
Clover 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.

The Clover® name and logo are owned by Clover Network, Inc., a wholly owned subsidiary of Fiserv, Inc. and are registered or used in the U.S. and many foreign countries, and may or may not be registered in your country.

Merchant services are provided by PNC Merchant Services Company. The merchant account and other services from PNC Merchant Services Company are not deposit products and are not guaranteed or insured by the FDIC or any other governmental agency. PNC Merchant Services is a registered mark of The PNC Financial Services Group, Inc.

The Fiserv name, logo and related trademarks and service marks are owned by Fiserv, Inc. and are registered or used in the U.S. and many foreign countries. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

Linga products and services are provided by Linga, LLC. PNC Bank, N.A. and PNC Merchant Services Company do not provide the products or services advertised by Linga, LLC, and Linga, LLC is not a direct or indirect subsidiary of either such entity. Linga, LLC is an indirect subsidiary of The PNC Financial Services Group, Inc. rOS is a registered trademark of Linga LLC.

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.

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.

Sign On to Online Banking or select another service

Banking

More Ways to Manage Cash Flow

Accepting Payments

Making Payments

Business Lending

For Your Employees

Industry Solutions

Explore Topics

Popular

Featured

Stay Informed on News and Issues Impacting PNC Customers

Support

Security & Privacy

Frequently Asked Questions

How Can We Help You

Welcome to PNC! How can we help you today?

Sign On to Online Banking or select another service

PNC Merchant Services®

End-to-end payment processing solutions

Our Payment Processing Works for You[1]

Find the best fitting payment platform, guided by industry-leading experience.

Simplify Payments

Get Paid Faster

Keep Tabs on Everything

Web and cloud-based[4] tools help you monitor security, marketing, employee engagement, inventory and more – and we’re here to support you every step of the way.[5]

Stay Secure

Contact Us Anytime

New PNC Merchant Services Customers Can Earn up to a $300 Statement Credit[6]

$300

$150

Simple, Transparent Pricing for All of Our Solutions

In-Person & Card-not-present Transactions

2.60% + $0.10

3.45% + $0.15

Flat Rate e-Commerce Transactions

2.90% + $0.30

Solutions to Fit Your Industry

Payment Processing Services Designed to Grow with Your Business All Solutions Require a PNC Merchant Services Account. Subject to device availability

Restaurant Payment Solutions

Retail Payment Solutions

Medical, Dental & Veterinary Payment Solutions

Nonprofit Payment Solutions

Payment Devices

Choose Devices With Features That Work Best for Your Business[5]

Clover® Go

Clover® Compact

Clover® Flex Pocket

Clover® Flex

Clover® Mini

Clover® Station

Frequently Asked Questions

What is PNC Merchant Services?

How do I get started?

How will I be able to take payments?

How am I protected and supported when using Merchant Services?

Insights

Don’t Have a PNC business checking account yet?

Contact Us

It's Easy to Get Started with PNC Merchant Services

Call Us

Email Us

Important Legal Disclosures & Information

SUPPORT

ON THE GO

ABOUT

Sign On to Online Banking
or select another service

Sign On to Online Banking
or select another service

PNC Merchant Services^®

End-to-end payment
processing solutions

Our Payment Processing Works for You^[1]

Web and cloud-based^[4] tools help you monitor security, marketing, employee engagement, inventory and more – and we’re here to support you every step of the way.^[5]

New PNC Merchant Services Customers Can Earn up to a $300 Statement Credit^[6]

In-Person &
Card-not-present Transactions

Flat Rate
e-Commerce Transactions

Payment Processing Services Designed to Grow with Your Business
All Solutions Require a PNC Merchant Services Account. Subject to device availability

Choose Devices With Features That Work Best for Your Business^[5]