What is "TST*" on my bank statement?
TST* is usually a legitimate Toast restaurant charge for a meal, tip, or online order.
Merchant: Toast | Category: Restaurant
What Is This Charge?
TST * (followed by a restaurant name) is a charge processed through Toast, a restaurant-focused point-of-sale and payment processing system. Toast is widely used by restaurants, bars, cafes, bakeries, and other food service establishments across the United States. The charge represents a payment you made at a restaurant that uses Toast for their ordering and payment technology.
Why Does This Charge Appear on My Statement?
This charge appears after you dine at or order from a restaurant that uses Toast as their POS system. This includes in-person dining, takeout orders, and online orders placed through a restaurant's Toast-powered website. Toast handles the entire transaction from the table-side tablet or counter terminal to the payment processing. Tips, taxes, and any modifications are all included in the final charge amount.
Typical Charge Amounts
TST * charges typically range from $10 to $75 for most restaurant visits, reflecting a standard meal for one or two people. Quick-service or counter-service orders may be as low as $5-15, while full-service dining with drinks can easily exceed $100. The amount includes your food, beverages, tax, and tip. If the amount is slightly higher than you expected, the tip was likely added to the charge.
Common Variations
Toast charges follow the format TST*RESTAURANTNAME. You may see variations like TST *JOES PIZZA, TST*THE LOCAL BAR, or TST *SWEET BAKERY. Some statements display TOAST *RESTAURANTNAME or TOASTTAB.COM. For online orders placed through Toast's platform, you might see TOASTTAB.COM*RESTAURANTNAME.
Is This Charge Legitimate?
Think about restaurants you've recently visited or ordered from. The name after "TST *" should match a restaurant, cafe, bar, or food service business. Keep in mind that the registered business name might differ from the name on the awning—for example, a restaurant called "The Cozy Corner" might appear as TST *COZY CORNER LLC. Check your email for a digital receipt from Toast if you provided your email address at checkout.
How to Dispute or Cancel
Contact the restaurant directly to resolve billing issues like incorrect amounts or double charges. If you received a digital receipt from Toast, it will have the restaurant's contact information. For tips entered incorrectly, the restaurant can adjust the charge. If the restaurant is unresponsive, file a dispute with your bank or credit card issuer, noting the date and location of the transaction.
Frequently Asked Questions
What does TST * mean on my bank statement?
TST stands for Toast, a popular point-of-sale system used by restaurants. The asterisk separates Toast's identifier from the restaurant name. So TST *MARIOS TRATTORIA means you made a payment at Mario's Trattoria through their Toast payment terminal.
Why is the TST * charge higher than my bill at the restaurant?
The charge includes your tip if you added one on the receipt or the Toast tablet. When you sign a receipt or tap a tip amount on the screen, that gets added to the base amount. Tax is also included. The pending charge may initially show only the pre-tip amount and update a day or two later to include the tip.
I see a TST * charge but I haven't eaten at a restaurant recently.
Consider whether you ordered food online or through a restaurant's website—many restaurants use Toast for their online ordering systems. Also think about any catering orders, gift card purchases, or takeout you picked up. If you truly can't identify the charge, contact your bank.
Can I get a receipt for a TST * charge?
If you provided your email at checkout, Toast may have sent you a digital receipt. Search your email for 'Toast' or the restaurant name. You can also contact the restaurant directly and ask for a copy of your receipt—they can look it up in their Toast system using your card's last four digits and the transaction date.
Why was I charged by TST * for an order I canceled?
Some restaurants using Toast pre-authorize your card when you place an online order. If you canceled, the pre-authorization should drop off within 2-5 business days. If a full charge posted after cancellation, contact the restaurant for a refund through their Toast system.
Similar Charges
- TST*RESTAURANT NAME
- TST *JOES PIZZA
- TOAST *MERCHANT
- TOASTTAB.COM*RESTAURANT
- TST*THE LOCAL BAR