Get Started With Instant Deposit

The Instant Deposit feature allows you to access same-day deposits of closed credit card sales (excluding American Express), transfer funds to eligible bank accounts or Fast Funds-enabled Visa/Mastercard debit cards, and typically receive funds within 30 minutes, 365 days a year. A 1.75% fee applies to each transaction.

In this Article:

• Choose an Instant Deposit Account
• Set Up a Card for Instant Deposit
• Eligibility Requirements
• Key Limits
• Troubleshoot Common Issues
• Initiate an Instant Deposit
• Scheduling Instant Deposits
• Additional Resources 

Choose an Instant Deposit Account

Businesses may choose to payout instant deposits to a card or directly to a bank account. For information on the differences between these options, see Instant Deposit Overview.

1. Log in to Toast Web with the appropriate permissions.
2. Navigate to Payments > Instant Deposit.
3. If you plan to payout directly to a bank account:
   1. The bank account you have configured for ordinary card payouts is listed under Linked Accounts. Select Deposit Now and follow the prompts. See the  section below, starting at step 3. 
      Note: Not all bank accounts are eligible. You may see a message that your bank account is ineligible. See
4. If you plan to payout to a card:
   1. Select Add One Now under Linked Accounts.
   2. If you need assistance, follow the steps in the  section below, starting at step 3.
   3. After setting up a card, select Deposit Now and follow the prompts. See the  section below, starting at step 3.

Set Up a Card for Instant Deposit

1. Log in to with the appropriate permissions.
2. Navigate to Payments > Instant Deposit.
3. Add your debit card by selecting Add one now in the Linked accounts section.
   
   
   
   
4. Follow the prompts to add your debit card. If you receive the error message “The card details you have entered are incorrect...” (see screenshot below), try the following three solutions:
   1. Confirm that the information you entered in each field is correct.
   2. The card may not be "Fast Funds-enabled." Contact your debit card issuer/ bank, or try another debit card. Most U.S.-issued debit cards are Fast Funds-enabled.
   3. The card may not be supported. Instant deposits can only be used with Visa or Mastercard debit cards issued by U.S. banks that are FDIC-insured.
      
      
      
      
5. Agree to the instant deposit Terms and Conditions if you are prompted.
6. Select Submit.
7. Complete identity verification and One-Time Password (OTP) setup if prompted.
   
   Note:  Identity verification is a one-time process a user will complete when prompted and/or when first setting up instant deposit, which is a necessary security step. After confirming your identity, you can access instant deposit. See  or  articles in Toast Central for more information.
   
   
8. Upon success, you'll see Card Added Successfully and your Available Amount screen.
9. The screen will show the amount currently available and eligible for instant deposit.

Eligibility Requirements

• Bank accounts must support real-time settlements; if ineligible, use a Fast Funds-enabled debit card.
• Only U.S. customers are supported.

New customers or locations may experience a 3–5 business day delay for system activation.

Key Limits of Instant Deposit

1. Maximum deposits:
   1. To debit card per 24 hours: $10,000 (per location) - May be lower initially and increase over time due to risk controls, up to the $10,000 maximum.
   2. To settlement account per 24 hours: $10,000 (per location)
2. Minimum transaction amount: $25
3. Fee: 1.75% deducted from available amount
4. Available amount dynamically updates based on uncaptured, closed card payments (excluding American Express transactions for American Express Direct merchants)

Troubleshoot Common Issues

Access Issues:

• Verify that your account has the "8.7 Instant Deposit" permission enabled.
• Clear your browser cookies, log out, and log back in using a desktop browser like Chrome.

General tip: Ensure you use eligible cards/accounts and meet transaction thresholds for successful deposits.

Initiate an Instant Deposit

1. In Toast Web, navigate to Payments > Instant Deposit.
2. Select Deposit Now.
3. Choose an account.
4. Select the Instantly Deposit button.
5. A confirmation screen will appear showing 
   1. Total available
   2. Fee (1.75%)
   3. Linked debit card
   4. Settlement bank account eligibility
6. Select the destination: Card destination or settlement bank account.
7. Agree to the instant deposit Terms and Conditions if you are prompted.
8. Confirm by selecting Instantly Deposit $xxx.xx.
9. Complete OTP verification if prompted.
10. Upon success, you'll see:
    1. A success screen
    2. Deposit in progress messaging
    3. Transaction listed as Pending under Activity
11. Funds typically arrive in the linked debit card or account within 30 minutes.

The instant deposit fee and transaction amount will be deducted from your next scheduled card settlement.

Scheduling Instant Deposits

Instant deposit scheduling lets you automate deposits so you don’t have to log in each day. Once enabled, Toast will initiate your instant deposit at your scheduled time, using the available amount at that moment. 

Toast checks your available instant deposit amount at the scheduled time. If the amount exceeds $25, the deposit is initiated, typically arriving at the destination within 30 minutes. Otherwise, no deposit occurs.

How Instant Deposit Schedules Work

1. Toast will check your available instant deposit amount at the scheduled time.
2. If the amount is $25 or more, a deposit will be initiated automatically.
3. The 1.75% fee is deducted from the deposit amount.
4. Funds typically arrive on your linked debit card or direct-to-bank account within 30 minutes.
5. If the available amount is below $25, no deposit will be initiated at that time.

How to Set Up, Edit, or Cancel an Instant Deposit Schedule

Set Up

1. Log in to  with the appropriate permissions.
2. Navigate to Payments > Instant Deposit.
3. On the instant deposit homepage, locate the section labeled Schedule a Deposit (or “Set Up a Deposit Schedule” if not yet configured).
   1. If this option isn’t available, it means you don’t have an eligible bank account or card set up. See the section above to
4. Select Set Up a Schedule.
5. Confirm the toggle at the top is set to Scheduling Enabled.
   1. This toggle can be used in the future to temporarily disable this schedule during holiday breaks, temporary closures, etc.
6. Set your preferred destination for scheduled deposits under Deposit to:
   1. This is based on your available instant deposit payout methods already created.
   2. Schedule deposits are subject to the same limits as manual deposits.
7. Choose your Preferred Time for the deposit:
   1. Time is set in your restaurant’s local time zone.
   2. Certain times overnight are unavailable as they may intersect with key processing times where your funds may not be available
8. Select Save to activate your schedule.
9. You’ll see a confirmation screen, and the instant deposit homepage will now show your active deposit schedule.

Edit or Cancel

1. Navigate to Payments > Instant Deposit.
2. Select Edit Schedule to adjust your deposit time.
3. To stop scheduled deposits entirely, select Cancel Schedule.

Changes take effect immediately. You can still make a manual instant deposit at any time.

Additional Resources