Last updated: Nov 13, 2026, 11:55 AM
Set up Same-Day Deposit to get your card sales the same day you close out, instead of waiting for the standard ACH payout schedule.
Same-Day Deposit is a premium payout option that deposits your credit card sales the same day you close out, instead of waiting for the standard ACH schedule (one-to-two business days after each transaction, with no weekend or holiday payouts).
When Same-Day Deposit is on, Toast automatically starts your payout shortly after you close out your business day on your POS, so you get access to your funds faster and on a more predictable schedule. In the event you do not close out via the POS there is a sweep at the start of each day to pay out the previous day's sales.
A fee applies to Same-Day Deposit. You can review the fee on the Deposit options page when you select it.
Product: Toast Web (bank account and payout settings)
Who can set this up: An admin with permission to manage your bank account settings (the same access used for the Bank accounts page - permission 8.0 - 8.1).
Eligibility: Your settlement bank account must support real-time payments (RTP or FedNow).
Note: If your bank does not support real-time payments, the Same-day deposit option will not appear on the Deposit options page. Toast Checking Accounts are supported for real-time payouts.
Expected outcome: Same-Day Deposit is now your payout option. Starting with your next closeout, Toast initiates your payout the same day.
Same-Day Deposit follows your daily closeout:
Same-Day Deposit runs every day of the year, as long as you have applicable sales. Your closeout is what triggers the payout.
If you do not close out, a fallback payout runs the next morning: capture is triggered at 4:45 a.m. ET and the payout is made at 6:45 a.m. ET.
If a real-time payout is rejected by the bank, it automatically converts to a standard ACH payout and follows the standard ACH timeline.
You can switch between Same-Day Deposit and the standard ACH schedule yourself at any time.
To sign up for or switch to Same-Day Deposit, navigate to Toast account > Bank accounts > Deposit options and select Same-day deposit. If you are not eligible, the option will not appear.
Any account whose settlement bank supports real-time payments (RTP or FedNow) is eligible for Same-Day Deposit. If your bank does not support real-time payments, you will not see the option. Your account must also be in good standing. If your account is under a security review or has a hold, Same-Day Deposit may be temporarily unavailable until the review is resolved.
Same-Day Deposit is an automatic payout that is triggered by your closeout and arrives the same day. Instant Deposit is an on-demand payout you request yourself during the day. Standard ACH deposits your sales one-to-two business days after each transaction.
If you do not close out, a fallback payout runs the next morning. Capture is triggered at 4:45 a.m. ET and the payout is made at 6:45 a.m. ET.
Yes. A payout can be delayed by a technical issue, a bank outage, or a hold on your bank account. If a real-time payout is rejected by the bank, it converts to a standard ACH payout and follows the standard ACH timeline. This will be visible in your payout summary with the Type code designating what rail was used (ACH payouts are marked as type card payout).
Yes, a fee applies to Same-Day Deposit. You can review the fee on the Deposit options page when you select Same-day deposit.
Yes. You can still use Instant Deposit to access funds on demand while Same-Day Deposit is turned on.