Last updated: Apr 10, 2026, 4:27 PM
| Please note that some customers or locations may not yet have access to Instant Deposit. If you are new to Toast, or have newly opened locations, you may not have access right away when you first begin accepting card payments through Toast. |
No. Instant Deposit may be used only with a compatible debit card that your restaurant owns or has the right to use, to receive your available amount.
Available funds for instant deposit are the sum of closed Visa, Mastercard and Discover card transactions since your last capture or instant deposit transaction. Transactions made with American Express are not available for instant deposit for Amex Direct merchants. Amex OptBlue merchants have access to these sales. The amount available also reflects deductions for card processing fees and any other applicable withholdings, and may also reflect a deduction to protect against risk. See Why is the available amount in instant deposit lower than expected? for more detail.
If your Instant Deposit available amount is lower than expected, or you have $0 available to withdraw, it is likely because you do not have eligible card sales since your last settlement capture time or because your sales were recently captured. Every time you manually capture batches throughout the day, or you hit your automated capture time and your card transactions are captured, the amount shown in Instant Deposit will go to $0. Captured batches will be deposited through the normal settlement payout process.
To maximize your available sales, be sure to request an Instant Deposit before your automated capture time and do not use the manual capture option on the device if you plan on requesting an Instant Deposit. Additional reasons could be due to transaction limits (see How much money can I instant deposit in a day?) or if a substantial portion of your sales is comprised of American Express card sales if you are an Amex Direct merchant.
Real-Time Settlement (RTS) refers to the ability to deposit funds instantly into your settlement bank account using real-time payment rails like RTP and FedNow. This method allows deposits to land in your account within seconds, 24/7—even on weekends and holidays. However, only accounts that are real-time-enabled and addressable by these payment systems are eligible. Not all banks currently support RTS, but this may change over time as adoption of RTP and FedNow grows. If your account is not yet supported, you can still opt to receive instant deposits via a debit card.
Some bank accounts may be marked as "Not Supported" for instant deposit due to limitations with how your bank processes real-time transactions.
If your bank account is temporarily marked as “Unavailable”, it’s likely due to a security hold. This typically happens when:
This temporary restriction is a fraud prevention measure—it helps protect you in the event of unauthorized changes, such as account takeover (ATO) attacks. What to do:
The available instant deposit amount can differ depending on whether you choose to send funds to a debit card or a bank account. This is due to security controls and risk policies designed to keep your funds and your business secure. Bank account deposits are generally more flexible and may offer higher availability.
The inability to add or change a debit card is likely due to your user permission level. There are two user access levels for Instant Deposit:
If you're the owner but cannot access the Instant Deposit page or change the debit card, contact Customer Care for help.
If you don’t recognize an instant deposit transaction or change of card, contact Toast Customer Support immediately. Start a chat in Toast Web by clicking the blue button on the bottom right corner of any page or by selecting the Support icon at the bottom of the screen in the Toast Now App. Don’t have the app yet? Download it today on Apple App Store or in the Google Play Store.
Card payments on offline devices are not available for Instant Deposit. Steps such as verifying your Internet connection, checking device network status, or ensuring the app transitions correctly from offline to online mode can help resolve issues faster. Once your devices are back online, your amount available for Instant Deposit should reflect any closed, uncaptured card sales accepted while you were in offline/background mode.
The error message that you’re seeing may be caused by a limit on the maximum number of Instant Deposit transactions that you can initiate in a 24-hour period. We suggest that you try again later or tomorrow. If you are still experiencing issues, please contact Customer Care.