Enrollment in any combination of additional non-DDA Payment Service Solutions (including Treasury Management and Merchant Services) will result in service fees. Subscription, transactions and user fees may apply. Certain additional non-DDA services are billed 2 months in arrears. You may see two months of trailing fees after cancellation of these additional non-DDA services.
Cash Management
for Small Business
Helping Make It Easier to Pay and Get Paid
What is Treasury Management?
Harness the Strength of Our Cash Flow Solutions.
We know that there is no such thing as “one size fits all.” That’s where a cash flow conversation comes in for businesses under $5 million in revenue.
Let's learn more about your situation – how your business operates, where you want to take it, the opportunities and challenges you face, your aspirations and what drives you – to fulfill your everyday cash flow needs.
For businesses over $5 million in revenue
Treasury Management helps commercial businesses make the most of their cash flow.
Treasury Management Solutions
- Receivables
- Payables
- Online Tools
- Liquidity Management
Take control of incoming cash and make payments convenient for your customers, while mitigating risk.
Gain more control over your cash flow which can improve payment terms and reduce risks.
Gain insight and access anytime – it’s available when you want, where you want it.
With a variety of accounts, get competitive rates on a variety of short-term investment opportunities.
Fraud Mitigation Tools
Our comprehensive approach combines advanced technologies and security tools designed to help you identify and thwart attempts to compromise your financial accounts, including fraudulent checks and electronic transactions if presented for payment.
Help you protect your account from unauthorized activity, whether initiated electronically via ACH, or manually via paper check.
Stop Fraud in its Tracks
Mask and protect your information with UPIC.
PNC offers fraud protection tools for checks and electronic payments, enabling you to choose the detection tool that’s right for your business’.
Stop Fraud in its Tracks
Universal Payment Identification Code (UPIC) masks your checking account number so you can accept ACH credits without having to provide your PNC account number to the payment sender.
Frequently Asked Questions
Payment solutions help small businesses send and receive funds securely with few delays or obstacles. They support everyday operations like paying vendors or collecting customer payments, and make it easier for businesses to manage cash flow.
Small business payment solutions often focus on flexibility, offering apps for quick card payments or services for full point-of-sale systems. You’ll be set up to send and accept a wide range of payment types from taps to paper checks. These services include end-to-end encryption and fraud monitoring, which support convenience and enable small businesses to integrate payment systems with their existing financial suites.
Because of strong security capabilities, payment solutions are built for business certainty, not just convenience.
Compared with manual payment methods or informal peer-to-peer payments, PNC’s bank-supported payment solutions offer:
- Guaranteed funds, so there’s no question about whether a payment will clear
- Faster access to cash, improving short-term planning
- More control over payment timing and approvals
- Payment methods that may often be preferred by vendors and suppliers
Financial institutions like PNC provide these solutions to help businesses reduce delays and improve the overall reliability of their payments. This helps support the strong cash flow that small businesses need to continue operations.
Some services have associated fees, but PNC’s payment solutions are designed to help you reduce long-term costs. Rather than tallying only per-transaction costs, the real value lies in how well PNC payment solutions may help reduce hidden operational costs.
For example, our payment tools may help you avoid late payment penalties and provide more accuracy for cash forecasting. You might spend less time resolving cash challenges and capture early payment discounts thanks to user-friendly features.
PNC’s payment solutions may help shorten the time between when a payment is sent and when funds are available. You’ll have access to next-day funding for most deposits from card sales, and options to receive funds even faster in some cases.
We also use intelligent routing to automatically select the best payment path for the fastest delivery of funds based on the criteria you provide. Additionally, automation tools, such as reconciliation and virtual payment card options, may help reduce manual tasks that stand in the way of payments.
You can call to speak with a customer representative directly or email us to request that we contact you to begin the process.
Small businesses work directly with PNC to review their payment needs and determine which solutions are appropriate. We provide guidance during setup, including access configuration, approval controls, and best practices for daily use, so that your small business gets started efficiently and confidently.
Insights
Manage Business Finances
Pre-Summer Cash Tune-Up: A 30-Day Checklist for Auto Shops
Follow this 30-day cash checklist to prepare for the busy summer service season and keep deposits, payments, and reconciliation running smoothly.
3 min read
Manage Business Finances
Small Business Cash Flow Management: Strategies & Solutions
Learn the fundamentals of small business cash flow management, including treasury management tools, risk reduction, and monitoring techniques.
8 min read
Manage Business Finances
Fraud-Smart Banking: Securing Deposit Accounts Without Slowing Operations
Business deposit accounts may face higher fraud risks, but certain safeguards may help protect cash flow without slowing day-to-day operations.
5 min read
Contact Us
We're here to help.
Start Your Cash Flow Conversation Today
Share a few details with us and a PNC Treasury Management representative will contact you shortly.
If you have questions or would like additional information, please fill out this short form so we can get in touch with you. By completing this form, you are authorizing us to contact you (via email and/or phone) to answer your questions and provide information about our products and services.