Payments Reports Overview
Last updated: Jan 29, 2026, 3:06 PM
- Payments Reports Introduction
- Navigate to Payments Reports
- Payments Reports Breakdown
- Additional Resources
Payments Reports Introduction
Payments reports help you take a look directly at the activity going into and out of your bank account linked to Toast. Here are the Payments reports available in Toast:
| Available Reports | Description |
|---|---|
| Daily Card Activity Report | View card fees, settlements, and bank account transfer activity by day. |
| Deposit Totals Overview Report | View your totals of settled and pending batches of card deposits. |
| Payout Overview Report | View your payouts (deposits) for a selected location and timeframe — includes Deposit Totals Overview, Settled Deposits Daily Breakdown, and Daily Card Activity. |
| The report includes the check number, employee details, order source, dining area, the last four digits of the third-party gift card used, and additional information that can be filtered for comprehensive analysis. | |
| View your payout (deposit) information by date. | |
| View your settled batches of card deposits by location. | |
| Formerly known as the Card Statement report. | |
| Pulls up disputed card transactions and response deadlines. | |
| Shows Toast monthly fees, adjustments, and bank account transfer activity by day. This may include credit memos owed to you. | |
| Provides monthly invoices for Toast software and hardware, including any debits or credits. | |
| (IC+ only) View a summary of volume and transactions by card brand, as well as an interchange and network fee breakdown. |
Some reports will have an export option, allowing you to download the report as an Excel file or send an email export. Otherwise, if you wish to print one of the Payments reports, use the File > Print function on your web browser's toolbar.
If you encounter any error message when trying to view these reports, please follow the troubleshooting steps described in this Toast Central article:
Navigate to Payments Reports
In , navigate to Reports > Payments. In the Payments drop-down, you'll see all the available Payments reports.
The Toast Billing Activity report and Invoices report are available on separate tabs from the Settled Deposits Daily Breakdown main report. They can also be found by navigating to Toast account > Billing.
Payments Reports Breakdown
Daily Card Activity Report
The Daily Card Activity report (previously called Account Transactions) provides a report of all financial activity in a user's internal Toast bank account. This includes card deposits and fees as well as ACH payments into and out of your bank account. These ACH transactions could be one-time charges for hardware, software fees, or other types of adjustments.
Deposit Totals Overview Report
The Deposit Totals Overview report gives settled card totals for the date range, a view into the processing rates and fees for Visa, MasterCard, Discover, and American Express (AMEX), as well as any pending batches (this section generally shows the most recent batch captured that has not yet settled).
If you use OptBlue to process all of your card payments (that is, Toast handles American Express transactions in addition to Visa/MasterCard/ and Discover), the report provides a consolidated overview of these payments for the date range selected.
For Toast Capital users that have a Toast Capital financial product, use the Deposit Totals Overview report for visibility into what percentage of the deposit will go to Capital repayment.
For Interchange Plus (IC+) users, selecting the blue interchange rate displayed for a location will direct you to the Cost Breakdown report for more information.
Note: The Pending Batches section of this report is currently only available for customers based in the U.S.
Payout Overview Report
| Please note that the Payout Overview report is currently in limited release with select customers. If you don’t see this feature yet, stay tuned for a future update. |
The Payout Overview report includes and consolidates the individual Deposit Totals Overview, Settled Deposits Daily Breakdown, and Daily Card Activity reports. This consolidated report shows all deposits (payouts) a restaurant has had for a selected location and timeframe (up to the last 180 days). At the top of the report, below the date and location drop-downs, you’ll see a summary section which gives the total amount of card payments, refunds, fees, withholdings, and payout total for the selected date and location.
Underneath the summary is a table which shows a list of individual payouts within the selected report parameters, including payout date, sales period, number of transactions, total payments, refunds, fees, withholdings, and the payout amount (the amount deposited to the restaurant bank account). In this report, fees refer to card processing fees related to all transactions within the payout, and withholdings include any money withheld from the payout related to Toast products and services (including Toast Capital loans, Easy Pay, Instant Deposit, Toast Delivery Services, Fundraising, and any garnishments).
Selecting any of the lines on this table (such as the example shown below) will open the Payout Details report for the chosen payout, which will show additional data for that specific payout. For more information about Payout Details, check out the Payout Details Data Overview section of this Toast Central article, .
You can select the download icon (down arrow) in the top right corner of the page to export a CSV file of the data in the report.
Payments Report
The Payments report delivers essential financial and operational details, including check numbers, employee information, order sources, dining areas, chargebacks, and Toast gift card transactions. Using the Show/hide columns button, you can customize the Payments report to show you data such as payment type and last 4 card digits for credit, debit, and gift card payments.
Reconciliation Report
The Reconciliation report and the related Payout Details report are designed to give you detailed information about the money you receive from Toast via payouts (i.e. deposits to your bank account). The Reconciliation report will show line item summaries for every payout and for any instant deposit transactions.
To learn more, visit this Toast Central article: .
Settled Deposits Daily Breakdown Report
Perhaps the most useful billing report to use on a day-to-day basis, the Settled Deposits Daily Breakdown report (previously the Daily Breakdown) provides an itemized list of any card batches that were settled within the viewed range of the report.
If you use OptBlue, this report totals the payments, refunds, fees, and net deposits for all of the cards. If you are an American Express direct merchant, the report includes separate columns for Visa/Mastercard/Discover payments, refunds, fees, and net deposit amounts.
There are several columns that show by default when viewing the Settled Deposit Overview report as a direct merchant:
| Column | Details |
| Settled Date | The date on which the batch is finalized (and in some cases, deposited into the user's bank account) |
| Sales Date | The date that the sales occurred for the deposit (you can use this date to refer to the same day's Sales report to compare figures) |
| V/MC/D Payment | Total Sales for Visa, Mastercard, and Discover in the report range |
| V/MC/D Refunds | Total amount of Visa, Mastercard, and Discover refunds in the batch |
| V/MC/D Fees | Total processing fees for Visa, Mastercard, and Discover that were deducted from this batch before being deposited into the user's bank account. |
For Toast Capital users that have a Toast Capital financial product, use the Settled Deposits Daily Breakdown report for visibility into what percentage of the deposit will go to Capital repayment.
If you see expenses marked as "Other", this can include Marketplace Facilitator Taxes, Toast Delivery Service Fees, or any loans / Easy Pay agreements you may have with Toast.
Chargebacks Report
The Chargebacks report provides the status of all chargeback disputes and draft retrieval notifications within the selected time range. You can also view your latest chargebacks and their statuses from the Chargeback Challenger dashboard (Payments > Transactions & refunds > Chargeback challenger in Toast Web).
To learn more, check out this Toast Central article: .
Toast Billing Activity Report
The Toast Billing Activity report provides a day-by-day account of Toast-applied credit and debit memos. For example, if you're trying to understand a specific deposit from Toast to your bank account, you can check this report to understand recent transactions. You can access this report by navigating to Report > Payments > Toast billing activity, or by navigating to Toast account > Billing > Toast billing activity.
Invoices Report
The Invoices report provides a list of your monthly invoices for Toast software and hardware, including any debits or credits. This includes both recurring and one-time fees. You can access this report by selecting the Invoices tab from the top of the Settled Deposits Daily Breakdown report, or by navigating to Toast account > Billing > Invoices in Toast Web.
In order to view invoices for a specific location, you can filter the resulting data by date and location. To do this, use the report filter as shown in the screenshot below. Once your desired filter setting is set, select the Update button.
If you can't find an invoice that you are looking for on the Invoices report, double-check your report filters and select Update to refresh the results. If you're still missing an invoice that you expect to see, contact Customer Care for assistance.
Cost Breakdown Report
Note: The Cost Breakdown report only appears for Interchange Plus customers. This shows a summary and breakdown of card processing volume by card brand, as well as the interchange (IC+) and network fees.
For more information on the Cost Breakdown report, see . Please note that viewing this article will require logging into Toast Central using your Toast credentials.
Additional Resources for Reporting