PNC

aid: pnc
name: PNC
description: 'PNC Financial Services Group is a Pittsburgh-based money-center bank and Fortune 500 diversified financial services
  company offering retail banking, corporate and institutional banking, treasury management, asset management, and residential
  mortgage banking across the United States. PNC operates a real first-party developer portal at developer.pnc.com ("PNC Developer
  Tools: Open APIs for Banking & Payments") that publishes a catalog of treasury and payments API products — including Account
  Verification Services, ePayments, Real-Time Payments (RTP), Direct-to-Debit-Card (push-to-card) disbursement, and information
  reporting — surfaced through its PINACLE commercial banking platform and PINACLE Connect embedded-banking integrations.
  Full API reference documentation, sandbox/testing environments, and call codes are gated behind credentialed onboarding
  arranged through a PNC Relationship Manager or Treasury Management Officer; no OpenAPI/Swagger specifications are publicly
  downloadable. On the consumer open-finance side, PNC exposes account data through an Akoya-provided tokenized data-access
  API and signed a bilateral data-access agreement with Plaid in September 2024, positioning PNC ahead of CFPB Section 1033
  personal-financial-data-rights requirements.'
kind: company
accessModel:
  pricing: unknown
  onboarding: partner
  trial: false
  try_now: false
  public: false
  label: Partner onboarding via Relationship Manager / Treasury Management Officer
  confidence: medium
  source:
  - developer-portal
  - documentation
  generated: '2026-07-23'
  method: derived
position: Producer
access: Partner
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/pnc.png
tags:
- Banking
- Financial Services
- United States
- Treasury Management
- Payments
- Real-Time Payments
- Corporate Banking
- Open Finance
- Fortune 500
created: '2026-03-21'
modified: '2026-07-23'
url: https://raw.githubusercontent.com/api-evangelist/pnc/refs/heads/main/apis.yml
specificationVersion: '0.19'
apis:
- aid: pnc:account-verification-services
  name: PNC Account Verification Services API
  description: Account Verification Services API from PNC's developer portal for confirming the ownership and status of bank
    accounts before disbursing or collecting funds, helping corporate and institutional clients prevent payment fraud and
    reduce returns. Documented on developer.pnc.com with a business product sheet and developer guide; production access,
    sandbox, and call codes require credentialed onboarding through a PNC Relationship Manager or Treasury Management Officer.
  humanURL: https://developer.pnc.com/documentation/products/Account-Verification-Services/overview
  tags:
  - Account Verification
  - Fraud Prevention
  - United States
  - Payments
  properties:
  - type: Documentation
    url: https://developer.pnc.com/documentation/products/Account-Verification-Services/overview
  - type: SignupURL
    url: https://developer.pnc.com/
- aid: pnc:epayments
  name: PNC ePayments API
  description: ePayments API from PNC's developer portal for programmatically initiating and tracking electronic payments
    — including ACH, wire transfers, and Real-Time Payments (RTP) — from client and ERP systems into PNC treasury services.
    Part of PNC's PINACLE Connect embedded-banking capability. Documented on developer.pnc.com; full reference, sandbox, and
    credentials are provisioned through a PNC Relationship Manager or Treasury Management Officer.
  humanURL: https://developer.pnc.com/documentation/products/ePayments/overview
  tags:
  - Payments
  - ACH
  - Wire Transfer
  - United States
  - Treasury Management
  properties:
  - type: Documentation
    url: https://developer.pnc.com/documentation/products/ePayments/overview
  - type: SignupURL
    url: https://developer.pnc.com/
- aid: pnc:real-time-payments
  name: PNC Real-Time Payments (RTP) API
  description: Real-Time Payments API surface from PNC, one of the first U.S. banks to adopt The Clearing House RTP network.
    PNC has built RTP-related APIs that let clients embed instant, 24/7/365 credit-push payments and request-for-payment flows
    into their own systems. Documented within the PNC developer portal's treasury/payments catalog; production access and
    sandbox are gated behind Relationship Manager / Treasury Management Officer onboarding, and no public OpenAPI specification
    is downloadable.
  humanURL: https://developer.pnc.com/
  tags:
  - Real-Time Payments
  - Payments
  - United States
  - Instant Payments
  - Treasury Management
  properties:
  - type: Documentation
    url: https://developer.pnc.com/
  - type: SignupURL
    url: https://developer.pnc.com/
- aid: pnc:direct-to-debit-card
  name: PNC Direct-to-Debit-Card (Push-to-Card) API
  description: Direct-to-Debit-Card (DTD) API from PNC providing an efficient option for business-to-consumer (B2C) fund disbursement
    by pushing payments directly to a recipient's debit card. Documented as part of PNC's treasury/payments API catalog on
    developer.pnc.com; access, sandbox, and credentials are arranged through a PNC Relationship Manager or Treasury Management
    Officer. No public OpenAPI specification is available for download.
  humanURL: https://developer.pnc.com/
  tags:
  - Push to Card
  - Disbursements
  - Payments
  - United States
  - B2C
  properties:
  - type: Documentation
    url: https://developer.pnc.com/
  - type: SignupURL
    url: https://developer.pnc.com/
- aid: pnc:information-reporting
  name: PNC Information Reporting API
  description: Information reporting API surface from PNC for programmatic, near-real-time access to account balances, transaction
    history, and account detail across a client's PNC treasury accounts, supporting cash positioning and reconciliation. Documented
    within the PNC developer portal alongside the payments products; full reference, sandbox, and call codes require credentialed
    onboarding through a PNC Relationship Manager or Treasury Management Officer. No public OpenAPI specification is downloadable.
  humanURL: https://developer.pnc.com/
  tags:
  - Information Reporting
  - Balances
  - Transactions
  - United States
  - Treasury Management
  properties:
  - type: Documentation
    url: https://developer.pnc.com/
  - type: SignupURL
    url: https://developer.pnc.com/
- aid: pnc:consumer-data-access-akoya
  name: PNC Consumer Data Access API (Akoya)
  description: Consumer open-finance data-access surface through which PNC lets its retail customers securely permission and
    share account data with third-party financial apps without handing over login credentials. PNC delivers this through an
    Akoya-provided tokenized data-access API and, since a September 2024 bilateral data-access agreement, connects Plaid to
    that same Akoya API. This aggregator-mediated posture is PNC's stated path toward CFPB Section 1033 personal-financial-data-rights
    compliance. Access is via the Akoya data-access network and PNC's aggregator agreements rather than a self-serve public
    portal.
  humanURL: https://pnc.mediaroom.com/2024-09-20-PNC-Financial-Services-Group,-Plaid-Enter-Data-Access-Agreement
  tags:
  - Open Finance
  - Data Access
  - CFPB 1033
  - Akoya
  - United States
  properties:
  - type: Documentation
    url: https://pnc.mediaroom.com/2024-09-20-PNC-Financial-Services-Group,-Plaid-Enter-Data-Access-Agreement
  - type: DataAggregator
    url: https://www.akoya.com/
common:
- type: Website
  url: https://www.pnc.com
- type: DeveloperPortal
  url: https://developer.pnc.com/
- type: Documentation
  url: https://developer.pnc.com/documentation
- type: SignupURL
  url: https://developer.pnc.com/login
- type: Blog
  url: https://www.pnc.com/insights/corporate-institutional.html
- type: DomainSecurity
  url: security/pnc-domain-security.yml
- type: SecurityTxt
  url: well-known/pnc-security.txt
- type: WellKnown
  url: well-known/pnc-well-known.yml
- type: VulnerabilityDisclosure
  url: security/pnc-vulnerability-disclosure.yml
- type: Security
  url: https://www.pnc.com/en/security-privacy/responsible-disclosure-program.html
- type: Support
  url: https://www.pnc.com/insights/corporate-institutional/gain-market-insight/application-program-interface-api-faqs.html
- type: GitHubOrganization
  url: https://github.com/pnctech
- type: LinkedIn
  url: https://www.linkedin.com/company/pnc-bank
- type: PrivacyPolicy
  url: https://www.pnc.com/en/customer-service/privacy-policy/privacy-policy-and-notices.html
- type: TermsOfService
  url: https://www.pnc.com/en/customer-service/terms-conditions.html
maintainers:
- FN: API Evangelist
  email: info@apievangelist.com