Last updated: Jun 11, 2026, 11:06 AM
Learn how to find credit card processing fees and statements.
Toast Web reports display your credit card processing fees and provide you with your monthly processing statement. Use this article to find the right report for your question — daily fee totals, the monthly processing statement, per-day or per-location breakdowns, or to reconcile fees against your bank deposit.
You can find your credit card processing fees on several reports in Toast Web. Log in to Toast Web and navigate to Reports > Payments, then choose the report that matches the level of detail you need:
For the full catalog of reports under Reports > Payments and when to use each one, see Payments Reports Overview.
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You can find your monthly processing statement (sometimes called your merchant statement, credit card statement, or CC statement) in Toast Web. Log in to Toast Web and navigate to Reports > Payments > Processing statements. Each statement covers one monthly billing cycle and shows processing fees, fee adjustments and other debits and credits incurred during that cycle. Statements can be downloaded or exported for your records.
Your first processing statement arrives during the first week of the month after your first credit card payment. For example, if your first card payment is processed in March, your first statement is available in early April.
For a line-by-line definition of every column on the Processing Statements report — including Payments, Refunds, Fees, Fee Adjustments, Net, Previous Credit Card Balance, and Monthly Adjustments — see Understand the Processing Statements Report.
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"Other Withholdings" in the "Other" column on the Settled Deposits Daily Breakdown report contain items that are not standard processing fees or refunds. These items can include:
On the Settled Deposits Daily Breakdown, select the magnifying glass icon next to a deposit row to see the transaction-level breakdown of every check included in the batch. If you see 'other withholdings', navigate to the Payout Overview Report (Reports > Payments > Payout Overview) for the same time period to view a detailed breakdown of the other withholdings.
For the full definition of every Processing Statements line item, see Understand the Processing Statements Report.
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Yes — different reports break processing fees down at different levels of granularity. Choose the one that matches what you need:
Note: Processing fees per check or per shift are not reported as a stand-alone column. To estimate per-check or per-shift fees, use the Payments report check totals together with your fee rate from your processing statement.
For the complete catalog of payments reports, see Payments Reports Overview.
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If your bank deposit is smaller than your credit card sales for the same day, processing fees are usually part of the explanation — but timing, refunds, taxes, batching, and other withholdings can all change the deposit amount. The first step is to compare Net Deposits on the Settled Deposits Daily Breakdown report to the deposit on your bank statement.
For a step-by-step walkthrough covering every common cause — fees, timing (batches captured after 9:30 p.m. ET deposit one to two business days later), Marketplace Facilitator Tax, refunds, withholdings, multi-day batching, and small rounding adjustments — see Bank Statements and Sales Summary Report Do Not Match.
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Your credit card fees may not appear in your Reporting Integration immediately because the fee for each card payment is estimated at the time of capture and is not finalized until the settlement is received from the credit card processor. This usually happens one to two days after the transaction, depending on when your cards batch for the day or night, and whether the payment was processed on a weekday or weekend.
This delay means the credit card fees will not show on Reporting Integrations until the finalized fee is determined and updated on the check.
Note: For a deeper breakdown of fee adjustments at month-end (the difference between the daily estimate and the final monthly true-up), see Understand the Processing Statements Report.
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Yes — Toast charges a processing fee on both debit and credit card transactions, but the rate depends on how the card was processed (PIN debit, signature debit, or credit) and your processing rate type.
For the full answer including how PIN debit, signature debit, and credit routing affect the fee, see Am I charged a processing fee for both debit and credit?.
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You can request a change to your credit card processing fee cadence (for example, from daily deductions to monthly deductions, or from monthly back to daily) if your account meets the eligibility criteria — including a minimum tenure on Toast, a normalized monthly credit card volume threshold, and good transactional standing (low chargebacks, no bounced ACH payments, no outstanding balance).
For the full eligibility criteria and how to request the change through Customer Care, see Can I change my credit card processing fee cadence?.
Note: Once a cadence change is requested and approved, the change typically takes effect in the next billing period.
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If you have used the reports above and still cannot identify a specific fee, statement amount, or withholding, gather the following before reaching out so we can resolve your question faster: