Last updated: May 12, 2026, 9:37 AM
Applies to: Toast Web users in the United States.
Permissions needed:
What you'll accomplish: Find out why a credit card deposit is missing or delayed, identify the most likely cause, and either resolve it yourself or gather the right information to contact Customer Care.
If your credit card deposit is missing or delayed, work through these high-level steps in order. Most cases resolve at Step 1 or Step 2.
For the canonical timing rules and the full federal banking holiday calendar, see Deposit Schedules Overview.
Match your symptom to the most likely cause and try the quick fix first. If the quick fix doesn't resolve it, move to the full decision tree below.
| Symptom | Most Common Cause | Quick Fix | Self-Service? |
|---|---|---|---|
| "My deposit didn't arrive yet" | Batched after 9:30 p.m. ET | Wait one extra business day; deposit follows the two-business-day schedule | Yes |
| "Where's my batch from yesterday?" | Batched on a Friday, Saturday, or Sunday | Expect deposit on Monday (or Tuesday if Monday is a federal holiday) | Yes |
| "I didn't get my batch" | Batch was never submitted | Check Settled Deposits Daily Breakdown; if not listed, submit a new batch from the POS | Yes |
| "My deposit is delayed past the expected date" | Banking processing delay or rejected deposit | Verify status in Settled Deposits Daily Breakdown; if marked Processed or Settled, wait one more business day | Partial — escalate after five business days |
| "A specific transaction didn't settle in the batch" | Transaction held for fraud review or capture failure | Contact Customer Care with the transaction date, amount, and check number | No |
| "Capturing is currently disabled" error when batching | Auto-capture in progress | No action needed — Toast will finalize the payments overnight. See Credit Card Payment Fails to Capture | Yes |
Start here if the Quick Fix didn't resolve your situation. Each step builds on the previous one.
The Settled Deposits Daily Breakdown report shows every batch that's been processed for deposit.
Expected outcome: You'll either see the batch with a status of Processed or Settled, or you won't see it at all.
If the batch is listed:
If the batch is not listed:
The exact time you batched determines when your deposit arrives.
If you batched before 9:30 p.m. ET:
If you batched after 9:30 p.m. ET (including the automatic 4 a.m. ET batch):
Note: Toast automatically captures one batch every day at 4 a.m. ET to settle any uncaptured payments from the previous business day. Auto-batch follows the after-9:30-p.m. schedule. For the full holiday calendar and complete deposit timing rules, see Deposit Schedules Overview.
If your expected deposit date has passed, continue to Step 4.
If the batch isn't in the Settled Deposits Daily Breakdown report, it wasn't submitted. Common causes:
To recover:
Expected outcome: A new batch appears in Settled Deposits Daily Breakdown within 15 minutes. Your next deposit will include today's card transactions.
Important: If your Toast POS was offline due to a Wi-Fi outage, do not manually re-capture payments after connectivity is restored. Toast automatically captures credit card authorizations once the system is back online, and triggering a manual capture can cause deposit discrepancies.
If you batched before 9:30 p.m. ET and the expected deposit date has passed, the deposit may be delayed by the banking system. Some deposits take up to five business days.
If the batch is reported as Processed or Settled:
If the batch is not reported, or the status differs:
Some situations cause unexpected delays or split deposits.
If you submitted multiple batches in one day:
If the expected deposit date falls on a federal holiday:
If the deposit day is a weekend:
If a single transaction didn't settle in the batch:
If you've worked through all five steps and the deposit is still missing, continue to Before You Contact Customer Care.
A pending batch means your batch has been submitted but is still working through the processing queue. Pending batches appear in the Deposit Totals Overview report in Toast Web. Most pending batches transition to Processed or Settled within one business day. If a batch remains pending for more than two business days, work through Step 4 of the decision tree above.
In most cases, no — Toast automatically captures credit card authorizations once your system is back online. Manually re-capturing after an outage can cause deposit discrepancies. If your batch still hasn't appeared after 24 hours of restored connectivity, see Manually Capture Payments/Batch Credit Cards for the manual recovery procedure.
Your payout (also called your deposit) didn't arrive because of one of three timing factors: when you batched, the day of the week, or a federal holiday. Use the Quick Fix table above to match your specific scenario. The terms "payout" and "deposit" both refer to the funds Toast sends to your bank account.
Your batch deposit time depends on your batch schedule, not the time of day you submit. The 9:30 p.m. ET cutoff determines whether your deposit arrives the next business day or two business days later. Toast cannot guarantee the exact hour your bank credits the deposit — contact your bank for bank-specific timing.
If you've worked through all five steps and your deposit is still missing, gather this information before contacting Customer Care. Having it ready significantly speeds up the investigation.
Then contact Customer Care with this information.