Last updated: Apr 24, 2026, 3:17 PM
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 does not match your Toast Sales Summary total credit card sales amount under the Payments Summary, the most common reasons are timing delays, deducted fees, or taxes. In Toast Web, navigate to Reports > Payments > Settled deposits daily breakdown, filter by your date range and location, and compare the Net Deposits column to your bank statement. If deposits appear grouped across multiple dates or your report column names differ, see the FAQ section below. If you still cannot reconcile the amounts, gather your error details and contact Customer Care.
Product: Toast Web
User type: Managers with access to Reports section
Prerequisites:
In Toast Web, select 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.
Note: You will want to select the sales date, as the starting date and 1-2 days after the sales date for the end date- as deposits are made 1-2 days after the sales date based on your batch/capture time.
Expected outcome: The report now shows only deposits for your selected date range and location.
Locate the Net Deposits column in the report. This is the amount Toast actually deposited to your bank account. Compare this amount to your bank statement for the same settlement date.
Expected outcome: The Net Deposits amount matches your bank statement deposit amount. If the amounts do not match, see Why your statements might not match below.
To verify sales amounts separately from deposits in Toast Web, navigate to Reports > Sales summary. Filter by Sales Date (not Settlement Date). Compare the Total Credit Card Amount in Sales Summary to the Total Payments column in the Settled Deposits Daily Breakdown report.
Expected outcome: The totals match, confirming your sales data is consistent.
Your bank statement may not match your Toast sales summary for these reasons:
Toast deposits are settled based on your merchant processor's schedule. A sale made on Monday may not deposit until Wednesday or later. The Settled Deposits Daily Breakdown report shows both Sales Date and Settled Date columns so you can see when the sale occurred versus when it was actually deposited.
If deposits appear delayed: Check the Settled Date column. If a sale's settled date is several days after its sales date, your sale is in the correct place — it just has not been deposited yet.
Toast fees for payment processing, software, or equipment are deducted from your deposit amount. These appear in the Fees column of the Settled Deposits Daily Breakdown report.
If you see a lower deposit amount: Subtract the Fees column value from Total Payments to calculate the actual Net Deposits amount. This should match your bank statement.
Sales taxes, surcharges, and tips collected during transactions are included in your Total Payments but may not all be deposited to your bank account on the same schedule. Marketplace Facilitator Tax, for example, may be remitted separately.
If you see "Marketplace Facilitator Tax" in the Other column: This amount was collected on your behalf and remitted to tax authorities — it does not appear in your bank deposit.
Select the Show/Hide Columns button (the gear icon) at the top of the report, then choose the Total Refunds option. This will show any refunds deducted from your deposit for that date.
Toast may hold a percentage of deposits for risk management. These appear in the Other column as "Toast Capital Loan Advances" or similar holds.
If you see amounts in the Other column: Select the magnifying glass icon next to that deposit to see individual transaction details. This shows exactly what is included in the hold.
If your merchant processor groups your transactions, a sale from Monday through Wednesday may appear as one deposit spanning those three days in the Settled Deposits Daily Breakdown report, even though Toast sales summary shows them on separate dates.
If your deposit amount seems combined from multiple dates: 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.
The Other column in Settled Deposits Daily Breakdown includes:
If you see amounts in this column that do not match your expectations, select the magnifying glass icon to see the transaction-level breakdown.
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) |
If you need to see additional data not shown by default, select the Show/hide columns button (looks like a gear icon) at the top of the report. This lets you add or remove columns from the view.
To see the individual transactions included in a deposit, select the magnifying glass icon next to that deposit row. This opens a breakdown of every payment, refund, and fee in that deposit.
Question variants: Why is my deposit split across several dates? How do I see deposits grouped together? Why does my one sale appear as multiple deposits?
If your payment processor groups your transactions across multiple days, your deposit may not match your sales summary by date. The Settled Deposits Daily Breakdown report uses your processor's settlement schedule, not Toast's sales dates.
Use the magnifying glass icon to expand deposits and see individual transaction details. This helps you manually match deposits to your sales.
Question variants: How do I see individual transactions in a deposit? How do I expand a deposit row?
Select the magnifying glass icon next to any deposit row. This shows a detailed list of every payment, refund, and fee included in that deposit.
Question variants: What is in the Other column? Why do I see amounts in Other? What deductions appear in Other?
The Other column includes adjustments to your deposit such as Marketplace Facilitator Tax, Toast Delivery Services charges, Toast Capital loan activity, Instant Deposit fees, and EasyPay lease payments. Select the magnifying glass icon next to a deposit to see exactly what is included.
Question variants: When will my deposit appear in my bank account? Why is my deposit delayed? What is the payout timeline?
In Toast Web, navigate to Reports > Payments > Reconciliation Report for a broader view of all payouts and their statuses. This report shows when payments are scheduled and when they were actually settled.
Question variants: What other reports should I check? Are there other reports about deposits? What is the difference between these reports?
If you cannot reconcile your bank statement after using the Settled Deposits Daily Breakdown report, gather this information before contacting Customer Care: