Why does it sometimes take longer to process large transactions?

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Toast monitors transaction activity to protect customers and guests. In the case that a transaction meets our review criteria, settlement of specific transactions may be delayed pending further review. A member of the Toast team may reach out to gather additional information or may release the payment automatically after a review of the transaction and other criteria, depending on the circumstances.

In some cases, it is possible for a delay to be caused by another participant in the payments ecosystem (e.g., an issuing bank or a card network), in which case we’ll work with you and the third party to resolve the delay.

In order to expedite Toast’s review, we suggest ensuring your guests’ checks and orders are itemized. For example, a $50,000 transaction for Open Food is much more likely to be delayed than a $50,000 transaction with a fully itemized list of what was sold. We also suggest retaining relevant documents for large transactions and tips, like a signed invoice or receipt.

In most cases, these holds are reviewed by a member of the Toast team no later than the following business day. Provided that we have or can obtain the information that we need to release the hold promptly, any affected payments should not see a significant delay. Toast reserves the right to delay settlement of specific transactions pending further review.