Charge codes are identifiers your bank or payment processor assigns to help you match bank statement entries to specific Toast transactions and invoices. Use the reference table below to identify what each code means and where to find the detailed breakdown in Toast.
Applies to
All Toast merchants using payment processing, invoicing, and deposit tracking. Charge codes are assigned by your bank or payment processor and may vary based on your processor type and region.
Why you're seeing charge codes
When you review your bank statement, you'll notice charges with unique identifiers called charge codes. These codes help you connect individual bank statement entries to:
Software, hardware, and Toast Shop fees
Deposit transactions (sales deposits, cash deposits)
Payment processing activity (credit card sales, chargebacks, refunds, rekeys)
Payroll deductions
Third-party purchases from other Toast restaurants
Toast credit and debit transactions
Each charge code represents a specific transaction type. Every code links to a detailed report in Toast where you can view the complete cost breakdown.
Finding what a charge code means
Step 1: Locate the charge code on your bank statement: Look at the description or memo line of the charge. It will include a code like TOAST INC, DEP, CCD, or CHB MM-DD.
Step 2: Find the charge code in the reference table below: Locate your charge code in the first column. The second column explains what type of transaction it represents. The third column tells you where in Toast to view the detailed breakdown.
Step 3: Navigate to the correct report in Toast: Each charge code maps to a specific report, and not all reports are located in the same place.
Use the report name listed in the third column of the table below and follow one of these methods:
Option A: Use the Toast Web search bar
In Toast Web, navigate to the search bar.
Type the report name exactly. (e.g., “Invoices/Billing & Invoicing”, “Chargebacks Report”, “Daily Card Activity”)
Open the report.
Use the Custom Date filter to search within a specific timeframe. If a date filter is not available, use options like “Show more” to locate the correct timeframe. Ex: Billing & Invoicing
Option B: Navigate manually
Billing & Invoicing: In Toast Web, navigate to Toast Account > Billing > Billing & Invoicing.
Processing Statement: In Toast Web, navigate to Reports > Payments > Processing statements.
Expected outcome: You should see the transaction or invoice matching the charge date and amount on your bank statement.
Charge codes reference table
Charge Code
|
What This Charge Code Represents
|
Where to View the Cost Breakdown
|
TOAST, INC. / ST-TOAST
|
Software fees, hardware fees, and Toast Shop fees
|
Billing & Invoicing
|
DEP / DEPOSIT
|
Toast Shop deposits, deposits from sales
|
Billing & Invoicing
|
CITIZENS / NET SETTLEMENT / TOAST DEP [MONTH DD] [DEPOSIT ID] [MERCHANT NAME]
|
Credit card sales deposits, chargebacks, rekeys, refunds, and payouts
|
Daily Card Activity, Settled Deposits, Chargebacks, Payout Overview
|
CCD
|
Credit card sales deposits, credit card fees, chargebacks, software fees, and hardware fees
|
Processing Statements, Daily Card Activity, Chargebacks, CC Processing Fees, Billing & Invoicing
|
CHB / TOAST/CBW MMM-DD
|
Chargebacks, including successful chargeback challenges
|
Chargebacks Report
|
TOAST PAYROLL (formerly "STRATEGY EXECUTION")
|
Payroll deductions and payment activity
|
Toast Payroll: Invoice and Billing
|
TST*Restaurant Name
|
Purchases from another Toast restaurant or from your own restaurant
|
Orders Report
|
Toast, INC VEN ACH CREDIT
|
Credit and debit transactions processed through ACH (Automated Clearing House)
|
Billing & Invoicing
|
REF MM DD
|
Refunds
|
Refunds Report
|
CHB MMM DD
|
Chargebacks
|
Chargebacks Report
|
TSC
|
Toast Cash Stored Value charges
|
Sales Summary
Daily Card Activity
|
Note: Charge codes are assigned by your payment processor and bank. Variations may exist that are not listed in this table. If you see a charge code that does not match any entry above, it may be specific to your processor or bank.
Frequently asked questions
Why is there a charge on my statement that I don't recognize?
Every charge on your bank statement should correspond to either a Toast invoice or a report in Toast. Use the charge code reference table above to identify what the charge represents. Then navigate to the corresponding report to review the details. Check the Credit Card Statements report if you do not see the charge in the primary invoice report.
How do I match a charge to an invoice?
Identify the charge code in the bank statement memo line, find it in the reference table, and navigate to the corresponding Toast report. Use the Custom Date filter to search within a five to seven day window of the bank statement date. Bank statements show the posting date, which may differ from the transaction date.
What if I cannot find a charge in my invoice?
Not all bank statement charges appear as line items on your main invoice. Some charges (like chargebacks, refunds, or rekeys) are tracked separately in their own reports. Check the Credit Card Statements report to see deposits and payment processing activity. For more information, see View Monthly Statements.
Can a charge code be different than what is listed in the table?
Yes. Your bank or payment processor may use variations not listed in this table. If you see an unfamiliar code, check with your bank or contact Customer Care with the code and transaction date.
Before you contact Customer Care
Try these steps before reaching out for help:
Locate the charge code on your bank statement (check the description or memo line).
Find the charge code in the reference table above to identify the transaction type.
Navigate to the corresponding Toast report, compare the amount and approximate date from your bank statement.
Check the Processing Statements report if you do not see the charge in the primary invoice report.
Confirm the charge amount matches an entry in your Toast report.
If you've completed these steps and still cannot identify the charge, contact Customer Care with the following information:
The charge code as it appears on your bank statement
The charge date and amount
The name of the account or merchant affected
A screenshot of the bank statement charge and the Toast report you searched
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