If your bank statement (payout) doesn't match your Sales Summary, the cause is usually timing, fees, taxes, refunds, or batching. Use this to reconcile.

Applies to: Toast Web

Permissions needed:

What you'll accomplish: Identify why your bank statement (payout) total differs from your Toast Sales Summary, and decide your next step—whether the difference is expected, fixable on your own, or needs Customer Care.

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Required reports: Settled Deposits Daily Breakdown, Sales Summary | Required input: Bank statement covering the date range you are comparing, and at least one settled credit card transaction in that range.

To reconcile a bank statement (payout) to your Toast Sales Summary:

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In Toast Web, navigate to Reports > Payments > Settled deposits daily breakdown.

Expected outcome: The Settled Deposits Daily Breakdown report opens, showing a table of all deposits.

Select the Filter button. Choose your date range and location, then select Apply.

For your date range, select the sales date as the starting date and one to two days after the sales date as the end date. Deposits are made one to two business days after the sales date based on your batch capture time.

Expected outcome: The report shows only deposits for your selected date range and location.

Locate the Net Deposits column. This is the amount Toast actually deposited to your bank account (also called your payout). Compare this amount to your bank statement deposit for the same settlement date.

Expected outcome: The Net Deposits amount matches your bank statement deposit amount. If the amounts do not match, continue to Diagnose the Cause.

This step is optional. Use it to verify your sales totals separately from your deposits.

In Toast Web, navigate to Reports > Sales > Sales summary. Filter by Sales Date (not Settlement Date). Compare the credit card total in the Payments Summary card to the Total Payments column in the Settled Deposits Daily Breakdown report.

Expected outcome: The two totals match, confirming your sales data is consistent before fees and adjustments.

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If your Net Deposits total does not match your bank statement, find the branch below that matches what you are seeing.

Toast deposits settle on your merchant processor's schedule. A sale made on Monday may not deposit until Wednesday or later.

What to check: Look at the Settled Date and Sales Date columns. If a sale's settled date is several business days after its sales date, the sale is in the correct place—it just has not been deposited yet.

If you batched after 9:30 p.m. ET (or your auto-batch ran at 4 a.m. ET), the deposit is delayed by one business day. For the full timing rules and a holiday calendar, see Deposit Schedules Overview.

Online orders left open past 9:30 p.m. ET batch with the next-day 4 a.m. capture, which can make an online sale appear to settle one to two business days after its sales date even though onsite sales from the same day settled earlier.

Toast processing fees, software fees, and equipment fees are deducted from your deposit before it reaches your bank.

What to check: Look at the Fees column in the Settled Deposits Daily Breakdown report. Subtract the Fees column value from Total Payments to calculate the actual Net Deposits amount. The result should match your bank statement.

Sales taxes, surcharges, and tips collected during transactions are included in your Total Payments total but are not always deposited to your bank account on the same schedule.

What to check: If you see "Marketplace Facilitator Tax" in the Other column, that amount was collected on your behalf and remitted directly to the tax authority. It does not appear in your bank deposit.

Refunds issued during the settlement period are deducted from your deposit.

What to check: Select the gear icon at the top of the report, then choose the Total Refunds option to add the column to the view. The Total Refunds column shows refunds deducted from the deposit for that date.

Toast may withhold a portion of your deposit for Toast Capital loan repayments, Easy Pay equipment leases, or risk holds. These appear in the Other column.

What to check: Select the magnifying glass icon next to the deposit row to see individual transaction details for that deposit.

If your processor groups your transactions, sales from Monday through Wednesday may appear as one deposit spanning those three days in the Settled Deposits Daily Breakdown—even though Sales Summary shows them on separate dates.

What to check: The Settled Deposits Daily Breakdown report uses your processor's settlement logic. Use the magnifying glass icon to expand individual deposits and see transaction-by-transaction details.

A deposit can also list two sales dates when one batch captured before 9:30 p.m. ET and another captured after. For more on batch timing, see Compare Deposits and Credit Card Sales.

The Other column collects every adjustment that is not a fee or refund. It can include:

What to check: Select the magnifying glass icon next to the deposit row to see the transaction-level breakdown of every item in the Other column.

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If your deposits are spread across multiple days, your payment processor is grouping your transactions on its own settlement schedule rather than by Toast's sales dates. Use the magnifying glass icon to expand a deposit and see which individual transactions are included.

Yes—to see more detail about a specific deposit, select the magnifying glass icon next to that deposit row. A list of every payment, refund, and fee in that deposit will open.

The Other column includes adjustments that are not standard fees or refunds—such as Marketplace Facilitator Tax, Toast Delivery Services charges, Toast Capital loan activity, Instant Deposit fees, Easy Pay lease payments, and chargebacks. Select the magnifying glass icon next to a deposit to see exactly what is included.

To check your payout schedule, in Toast Web, navigate to Reports > Payments > Reconciliation for a broader view of all payouts and their statuses. The Reconciliation report shows when payouts are scheduled and when they were actually settled. For the timing rules and a holiday calendar, see Deposit Schedules Overview.

Sales from third-party delivery integrations (DoorDash, Uber Eats, Grubhub) are paid out by those providers directly to the restaurant on the provider's own schedule and do not appear in your Toast credit card deposit. Toast Delivery Services charges and tips do appear on the Settled Deposits Daily Breakdown—see the Toast Delivery Services Reporting article for details.

Small rounding differences (a few cents to under a dollar) between Toast and your bank are typically caused by fee-rounding adjustments that are reconciled at month-end on the Processing Statements report. For larger differences, work through the Quick Fix table or contact Customer Care.

Other reports that help you understand your deposits include the Reconciliation Report (deposit statuses and payout timing), the Payouts Overview (a high-level view of all payouts across a date range), and the Payments Report (individual transactions and their statuses). For an overview of every payments report and which one to use, see Payments Reports Overview.

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The Settled Deposits Daily Breakdown report shows one row per deposit with these columns:

To customize which columns appear, select the gear icon at the top of the report to add or remove columns. To see the individual transactions in any deposit, select the magnifying glass icon next to that deposit row.

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If you have used the Settled Deposits Daily Breakdown report and still cannot reconcile a discrepancy—for example, you cannot identify what a specific charge or fee is for, or the difference is larger than rounding can explain — gather the following before contacting Customer Care:

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