About Toast Billing

All Toast customers must authorize Toast access to at least one bank account for debit and credit transactions related to your account. This requirement is outlined in section 6.8 of the Toast Merchant Agreement. Toast will bill you for credit card processing, hardware and software purchases, and account adjustments.

Important: Credits and debits from Toast appear as "ACH Toast, INC" on your bank statement.

For more information, see the Toast Credit Card Processing and Billing: FAQ. If you need to adjust your bank account for monthly billing, see Update or Add a New Bank Account in Toast Web.

Common Reasons for Billing

Toast bills customers for three main reasons:

Credit Card Processing Statement — Toast settles your account each month and charges you for any discrepancies in credit card processing fees.

Hardware and Software Invoices — These cover purchases of new hardware and recurring software or module subscription fees.

Account Credits and Account Fees — If Toast or your account owes funds to the other, Toast processes these as adjustments to your monthly statement, which alters your monthly software cost. In rare cases, Toast may process this as an immediate ACH to your account.

Credit Review and Refund Timeline

The review and approval process for account credits typically takes five to seven business days. Once approved, refunds are deposited into your bank account on file within three to five business days.

Monthly Credit Card Processing

How Daily Batch Processing Works

All payment card batches and fees are processed daily through your Toast POS system. The deposit timing depends on when your batch is created.

If batch is created before 9:30 p.m. ET: Deposit is made the next business day.

If batch is created after 9:30 p.m. ET: Deposit is made two business days later.

For a breakdown of all daily batches settled and deposited, view the Settled Deposits Daily Breakdown report. This report shows each day's total payments, refunds, credit card processing fees collected, and net amount deposited.

Monthly Billing Statement and Settlement

Each Toast customer is billed monthly to settle their account. Financial contacts listed in Toast Web under Toast Account > Notifications & alerts > Communication Preferences > Financial will receive an email with a PDF of the monthly statement. This email signals that an ACH is scheduled to your bank account on file.

Expected timeline: ACH charges typically appear in your bank account within two to five business days after the email notification.

You can view and download monthly statements at any time by navigating to Reports > Payments > Processing statements in Toast Web.

Credit Card Fee Adjustments

If a credit card processing fee adjustment is needed (credit or debit), Toast will schedule an ACH. This adjustment includes the sum of all Toast AMEX processing and handling fees from that billing cycle. You will receive an email notification when the adjustment is reviewed and approved, and again when the credit is applied to your account or deposited.

Managing Deposits

If a deposit is not visible in your account as expected, follow these steps:

Verify the deposit appears in reports — In Toast Web, check the Settled Deposits Daily Breakdown or Deposit Totals Overview reports. Apply the correct date range and location filters. Toast tracks settled payments by settlement date, not transaction date.

Expected outcome: You will see a line item for each day's deposits with amounts and settlement dates.
Check batch completion times — Verify when your batches were completed. Batches created after 9:30 p.m. ET may be delayed by one business day.

Expected outcome: You understand whether your batch should have settled today or will settle tomorrow based on the completion time.
Account for bank processing time — While Toast initiates transactions quickly, your bank may have its own processing schedule. Funds typically appear once your bank processes the transaction.

Expected outcome: You know to contact your bank if funds do not appear within the expected timeline (two to five business days).
Account for weekends and holidays — Transactions processed over weekends or bank holidays may take additional time to settle. A transaction initiated on Friday may not settle until Tuesday.

Expected outcome: You understand why a recent deposit has not yet appeared in your account.

Hardware and Software Invoices

Finding Invoices in Toast Web

All software and module subscription fees appear in your invoices. Financial contacts will be notified monthly via email with a PDF invoice for charges. These emails signal that an ACH is scheduled to your bank account on file.

Expected timeline: ACH charges typically appear in your bank account within two to five business days after the email notification.

To find invoices in Toast Web, navigate to Toast Account > Billing > Billing & Invoicing.

Tracking Credit Card Activity and Deposits

The Daily Credit Card Activity report shows all transactions (credit or debit) that Toast has initiated within your selected date range. Access it at Reports > Payments > Daily card activity.

The Deposit Totals Overview report provides a summary of pending and settled deposits. Access it at Reports > Payments > Deposit Totals Overview. This report is useful for tracking credit resolutions and monitoring pending deposits.

Merchant Processing Options

Visa, Mastercard, and Discover

Toast customers using Toast merchant processing must also authorize access to at least one bank account for electronic settlement. The most common activity is daily credit card processing deposits from card sales, chargebacks from cardholder disputes, and other adjustments.

How charges appear: Charges from Toast Merchant Processing appear as "5/3 Bankcard SYS..." on your bank statement.

If you have questions: Contact Customer Care with the date, amount, and line item description of the charge.

American Express (Separate Processor)

American Express is an independent processing company with its own Merchant Processing Agreement and account if you accept AMEX cards.

Checking AMEX payment status: If an AMEX payment does not appear on your regular sales reports, check its status by navigating to Reports > Payments > Deposit totals overview > Pending Batches in Toast Web.

AMEX support: Toast Customer Care does not have visibility into AMEX activity. Contact AMEX Merchant Services directly at (800) 528-5200 for questions about AMEX charges.

OptBlue Consolidation Program

OptBlue is an American Express program that lets you process AMEX cards through Toast with consolidated statements and faster deposits. When using OptBlue, a customer's AMEX card appears on the same line item as all other credit card payments.

To enroll or check eligibility: Email toastpayments@toasttab.com. For more information, see Accepting American Express.

Before You Contact Customer Care

Before reaching out, gather the following information:

Charge details: Date, amount, and line item description from your bank statement
Report screenshots: Screenshots of the relevant deposit report showing date range and filters applied
Batch timing: When your last batch was created (before or after 9:30 p.m. ET)
Expected timeline: Confirm whether the deposit should have appeared yet based on its creation date and bank processing time
Steps already tried: Note which troubleshooting steps you have completed (verified reports, checked batch times, confirmed with bank, etc.)