What is "TOAST" on my bank statement?
TOAST is usually a legitimate restaurant charge processed through Toast, a point-of-sale and payments company.
Merchant: Toast | Category: Food Delivery
What Is This Charge?
A charge from Toast reflects a purchase at a restaurant, cafe, bar, or food truck that uses Toast as its point-of-sale and payments platform. Toast was founded in 2011, and it serves more than 100,000 restaurant locations across the United States and other markets. Toast is a restaurant technology company, not a restaurant chain, so the business name on your receipt is usually the actual merchant behind the counter. A Toast descriptor often appears when you pay in person, place a pickup order, leave a tip, or complete a card-not-present order through a restaurant’s Toast-powered system.
Why Does This Charge Appear on My Statement?
This charge appears because your card was authorized or captured by a restaurant using Toast at the time of purchase. A common trigger is a dine-in meal where the server closes the check after you sign or tap your card. Another common trigger is a pickup or delivery order placed through the restaurant’s own website or app, where Toast processes the payment behind the scenes. A third trigger is a tip adjustment, where the final amount is higher than the pre-tip authorization shown at checkout.
Typical Charge Amounts
Most Toast charges match normal restaurant spending, such as $8 to $18 for breakfast, $12 to $25 for lunch, and $20 to $60 for dinner for one person. Small authorizations can appear as $1.00, $5.00, or $10.00 when a restaurant verifies a card before the final charge posts. Tip-adjusted totals often rise by 15% to 25% after the original authorization. If you see a larger amount than expected, the difference is often a pre-tip hold, a split check, a delivery fee, or a second item added at pickup.
Common Variations
TOAST TOAST* TOAST POS TST TST-ORDER TOAST* [merchant name] TOAST* [store number] TST* [store number] TST-ORDER [merchant name] TOAST*1234 TST-ORDER1234
Is This Charge Legitimate?
A Toast charge is usually legitimate if you recently ate at a restaurant, ordered pickup, or paid a tip at a Toast-powered business. First, compare the date, amount, and location on your statement with your receipt, email confirmation, or text receipt. Second, search your inbox for the restaurant name, Toast receipt links, or order confirmations from the same day. Third, if the merchant name is unclear, ask the restaurant directly for the transaction record and the final signed receipt. Toast’s customer-facing help is available through https://www.toasttab.com and restaurant support is typically handled by the merchant, not by the card issuer.
How to Dispute or Cancel
1. Call the restaurant first and ask for the receipt, refund policy, and manager review, because Toast only processes the payment and does not set the restaurant’s refund rules. 2. If the charge is for a canceled order, ask whether the restaurant can void it or issue a refund to the same card. 3. If the merchant cannot resolve it, call the number on the back of your card and start a card dispute right away. 4. Keep screenshots, receipts, order numbers, and timestamps, because your bank may ask for proof that the charge was unauthorized or incorrect. If you need merchant help, start at https://www.toasttab.com/contact or the restaurant’s own website, and use your card issuer’s dispute line for parallel protection.
Frequently Asked Questions
Why does my Toast charge show as TST-ORDER?
TST-ORDER usually means the restaurant used Toast to process an online or pickup order. The descriptor often changes because the payment gateway posts a shortened merchant label instead of the full restaurant name. Check your email for an order confirmation, then match the amount, date, and pickup time to the receipt.
How do I cancel my Toast subscription?
You usually cannot cancel a Toast charge like a subscription because Toast is a payment processor, not the restaurant itself. If the charge came from a restaurant order, contact the restaurant directly and ask for a cancellation or refund. If you meant a Toast business account, the account owner must contact Toast support through https://www.toasttab.com or the Toast customer success team.
Why is my Toast charge a different amount than expected?
A Toast charge can differ from the amount you expected because restaurants often place a temporary authorization first and then post the final total later. The final amount can increase after tax, tip, delivery fees, or a menu item substitution is added. If the charge is still wrong, compare the receipt to the posted amount and ask the restaurant for the signed final check.
Can Toast charges include tips and service fees?
Yes, Toast charges can include tips, service fees, and delivery-related charges if the restaurant adds them at checkout. A pre-tip authorization may show one amount, and the posted charge may be 15% to 25% higher after the tip is captured. Review the itemized receipt to see whether the extra amount came from gratuity or a fee.
What should I do if I do not recognize a Toast charge?
First, search your recent dining, pickup, and delivery activity for the same date and amount. Second, check whether a family member used your card at a restaurant that accepts Toast. Third, call the restaurant name shown on the receipt or start a bank dispute if you cannot verify the purchase.
Similar Charges
- TOAST
- TOAST*
- TOAST POS
- TST
- TST-ORDER