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 AcceptSM
A Simple & Cost-Effective Payment Solution
Overview
A pay-as-you-go payment processing solution designed for startups and small business, making it easy to get paid right from your phone or tablet via the PNC Mobile Banking app.[1,2]
PNC Mobile Accept is available for select industries and business types, and is best suited for 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.
PNC Mobile Accept supports full-service card processing for all major card brands 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).
Benefits
How PNC Mobile Accept May Benefit Your Business
Simple
- Accept payments directly from your PNC Mobile Banking app
- As easy as a dip or swipe – you can also manually enter card information in the PNC Mobile Banking app
Cost-Effective
- No monthly fees – pay-as-you-go pricing
- Access to your collected funds within three business days[3]
Security
- Fully integrated within the safety and security of the PNC Mobile Banking app
- Cardholder data is fully encrypted to help protect against fraud
eDynamo
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 secure mobile applications with strong encryption and proven authentication
- Ergonomic design simplifies card swiping
- Over 1,000 card swipes between charges
Pricing
Swiped/Dipped Fees
2.60% + $0.10*
Per Swipe Transaction**
For payments with standard or chip debit and
credit cards
* The equipment and transaction pricing may be subject to change at any time.
** Swipe and Non-Swipe transaction prices do not include equipment costs, chargeback fees or other fees.
Manual Entry
3.45% + $0.15*
Per Non-Swipe Transaction**
For payments online, over the phone or
manually entered
* The equipment and transaction pricing may be subject to change at any time.
** Swipe and Non-Swipe transaction prices do not include equipment costs, chargeback fees or other fees.
What You Need to Get Started
You’ll need a PNC business checking account and the PNC Mobile Banking App to use Mobile Accept.
You’ll also need up-to-date apps and software:
- PNC Mobile App: version 4.37.0 or higher
- Mobile device software:
- iPhone or iPad: iOS14.0 or higher
- Android: Marshmallow SDK Version 23 or higher
- iPhone or iPad: iOS14.0 or higher
Let Us Help You
Find PNC Mobile Accept support for common topics and issues.
Managing Card Readers or Device
For proper function, be sure to keep the eDynamo device away from magnets and keep the device adequately charged.
- Connectivity: Micro-USB B [HID] or Bluetooth LE to mobile device for payments
- Encryption: Tokenization and Encryption
- Mobile OS Supported: Bluetooth LE: ** iOS 7.1 and higher and Android 4.4.2 and higher
- Charging: Rechargeable. Micro-USB charge. Charging time 3 hours
- Battery: Li-ion Polymer 800 mAH and coin cell backup
- Dimensions: 2.45 x 1.52 x 0.97 in
- Optional Accessories: Cable – Optional docking station. May have additional costs.
iPhone or iPad
If this is the first card reader you’re pairing:
- Make sure your new card reader is charged and turned on.
- Go to Settings from your iPhone or iPad home screen.
- Tap Bluetooth.
- Select your new card reader under My Devices to begin pairing. When prompted, enter eDynamo pairing code: 000000. Make sure the card reader is discoverable by holding it close to your iPhone or iPad.
If you already have a card reader paired, you’ll need to unpair it before you can pair your new card reader:
- Select your old card reader under My Devices.
- Select Forget this device.
Android
If this is the first card reader you’re pairing:
- Make sure your new card reader is charged and turned on.
- Go to your Android Settings.
- Tap Bluetooth.
- Select your new card reader under Available Devices. When prompted, enter the eDynamo pairing code: 00000. Make sure the card reader is discoverable by holding it close to your Android.
- Tap on the card reader and tap pair.
If you already have a card reader paired to your Android, you’ll need to unpair it before you can pair your new card reader:
- Go to your Android Settings.
- Tap Bluetooth.
- Select the card reader and tap unpair.
- Select unpair.
Contact us at 833-762-6645 or email submerchantsupport@pnc.com to replace or order additional card readers. Additional costs may apply.
Managing Transactions
Transactions processed by 9:59 PM ET are grouped together and deposited to your account within 3 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.
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 use swipe or dip 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.
Mobile Accept does not currently include a feature for adding gratuity/tip.
You will need to calculate and manually include in the charge amount.
Mobile Accept does not currently include a feature for charging sales tax.
You will need to calculate and manually include sales tax in the charge amount.
To dispute a chargeback: Sign on to PNC Integrated Payment Portal and go to the Payment Accept dashboard. From there you can submit your dispute with supporting documentation.
- 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 refund. 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.
Transactions more than 180 days old.
- Sign into your PNC Integrated Payments Portal to access details on older transactions as well as issue refunds, if applicable.
If a customer’s card is declined, it may be damaged or have insufficient funds. Have your customer try again or use a different card if possible.
Managing Your Account
To update your business address, phone number or email address, call 833-762-6645 for assistance.
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 833-762-6645 for assistance.
Your 1099-K form will be mailed to you. It is not available on the Merchant dashboard.
To request a duplicate copy of 1099K form, call 833-762-6645 for assistance.