Last updated: May 11, 2026, 11:39 AM
Compare bank statements with Toast’s Settled Deposits Daily Breakdown to spot delays, fees, taxes, or other discrepancies in what was deposited each day.
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.
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:
| Symptom | Most Common Cause | Quick Fix | Self-service? |
|---|---|---|---|
| Deposit arrived later than the sales date | Batches captured after 9:30 p.m. ET deposit two business days later | Check Settled Date vs Sales Date in the report—see If Your Deposit Is Delayed | Yes |
| Deposit smaller than total credit card sales | Toast processing fees were deducted from the deposit | Subtract the Fees column from Total Payments—see If Your Deposit Is Smaller Than Expected | Yes |
| Tax amount in Sales Summary does not match deposit | Marketplace Facilitator Tax was remitted on your behalf | Look for "Marketplace Facilitator Tax" in the Other column—see If Taxes or Tips Look Off | Yes |
| Deposit reduced by an amount you do not recognize | A refund, chargeback, or withholding (Toast Capital, Easy Pay) | Enable the Total Refunds column or expand the Other column—see If a Refund Reduced Your Deposit and If Funds Were Held or Withheld | Yes |
| One deposit lists multiple sales dates | Two batches captured on different sides of 9:30 p.m. ET | Use the magnifying glass icon to expand transactions—see If Multiple Sales Dates Are Grouped | Yes |
| You see an amount in Other you cannot identify | Could be Marketplace Facilitator Tax, Toast Delivery Services, Toast Capital, Instant Deposit, or Easy Pay | Select the magnifying glass icon next to the deposit—see If You See an Unexplained Amount in the "Other" Column | Yes |
| Deposit is short by less than a dollar | Rounding or fee adjustment between estimated and final card fees | This is typically expected—see Frequently Asked Questions | Yes |
| Deposit is missing entirely or arrived more than two business days late | Batch was not submitted, deposit rejected, or banking holiday delay | Mostly | |
| Bank statement shows an unfamiliar charge code (e.g., "CITIZENS NET SETTLEMENT," "TOAST DEP") | Processor-specific labels for Toast deposits and fees | Yes | |
| You cannot identify a specific transaction or account-level fee after using this report | Account-specific lookup needed | No—agent required |
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.
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.
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.
The Settled Deposits Daily Breakdown report shows one row per deposit with these columns:
| Column | What It Means |
|---|---|
| Location | Which location this deposit is from |
| Settled Date | When Toast deposited the money to your bank account |
| Sales Date | When the sales (transactions) actually occurred |
| Total Payments | Total credit card sales (before any deductions) |
| Total Refunds | Total refunds issued in this settlement period |
| Fees | Toast fees deducted from the deposit (not deposited to your bank) |
| Other | Additional items affecting the deposit (taxes, holds, loan repayments, etc.) |
| Net Deposits | The final amount deposited to your bank account (Total Payments − Fees − Other adjustments) |
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.
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: