What Is a "Toast" Charge on My Bank Statement?

A Toast charge means you paid at a restaurant or food business that uses Toast as its payment and ordering system. The word 'Toast' may appear with or without a business name.

Plain-English explanation

Toast is a restaurant management platform used by hundreds of thousands of restaurants. Your statement may show just 'Toast' if your bank truncates the descriptor. The charge is for a meal, drink, or food order at a restaurant using Toast's payment terminal or online ordering system.

Most common reasons this appears

• Dine-in meal at a restaurant using Toast POS
• Takeout order placed through Toast online ordering
• Bar, café, or food truck using Toast's mobile payment system

How to verify this charge

• Check your email for a receipt from the restaurant.
• Match the amount to a recent meal including tip.
• Contact the restaurant directly with the date and amount.

When to be concerned

• No dining receipt matches the amount or date.
• Charge is much larger than a typical meal.
• You see Toast charges on dates you didn't go out.

Part of: Payment processors & POS →