How Card Payments Work
Who is our payment processor?
Toast has many third-party financial services partners that help us process payments. Toast is the payment facilitator for your account, is responsible for your payment processing operations, and is your main point of contact. Toast handles all Onboarding, PCI Compliance, Pricing, Settlements, Risk Management, and Customer Care.
Can we process credit card transactions without putting them into the POS?
You are required to process card transactions through the point of sale when using Toast. There are circumstances where Toast can facilitate unlinked refunds, however this is rare.
Can you take a card payment for more than the balance due?
No, you cannot take a card payment for more than the balance due.
How do I adjust a card payment?
To adjust a card payment, see Adjust Card Payments.
Is there a way to disable Visa, Mastercard, or Discover credit cards?
Please contact Customer Care for further assistance.
What is an "unknown" card type?
This is typically due to the card being a foreign processor or an unrecognized card type. We continually work to categorize these card types to provide the most accurate information available.
Why can't I see the last four digits of a card number on a digital receipt I sent later using Find Checks?
This information only appears for cards that were dipped or tapped. Swiped cards will not display the last 4 digits of the card number on digital receipts.
Is there a way to prevent chargeback for online orders?
To learn more about preventing chargebacks on online orders, see Get Help With Chargebacks and Dispute Chargebacks in Toast Web for more information.
Can I move money from the Tip field on a payment to Subtotal?
This is not possible. You cannot take an amount that was to pay for taxable services and replace it with non-taxed amounts.
Can you pre-auth using the Tab button?
You cannot preauthorize a card by hitting the tab button, it will only save the name of the cardholder. For more information, see Configure and Use Card Pre-Authorization
Is there a dollar value limit (high or low) on any type of payment processing transaction?
No, there are no upper or lower limits for your transactions, however orders around or above $1,000 may be subject to review by our fraud team.
Can you use international cards on Toast POS or Toast Online Ordering?
You may be able to process some international cards, but it is not guaranteed. This is determined by the associated bank. There is no way to know before swiping at this time.
I see an error message stating that my guest's card was declined. What should they do?
If you see an error message that states, "Your credit card was declined. Please check that your credit card information is correct or use a different card," it means that the guest's bank has declined this transaction. This can happen for many reasons — insufficient funds, unusual activity, or spending limits. Have them try a different card if available, check their account, or call their bank for more information. Your guest should also ensure that their billing information is correct and matches what their bank has on file.
Card Fees and Troubleshooting
Why are some card fees estimated?
There is the possibility for adjustments to card fees due to updates from the networks and card issuers, and also as part of end-of-month reconciliation. Toast identifies some fees are estimated until 100% of the information has been received about the transaction, at which point reporting terminology changes to "fees collected".
What are my card fees?
You will be able to view your contracted card fees on your Toast contract. You will also be able to view interactive card fee information in the Deposit Totals Overview report in Toast Web.
How do I locate the report for card processing fees?
Check out Review Card Processing Fees.
Is there a way to resubmit a card transaction that had an error while processing?
There is not a way to resubmit the card transaction. A new form of payment will need to be taken to collect payment.