Instant Deposit FAQ

Please note that some customers or locations may not yet have access to Instant Deposit. Customers new to Toast, or newly opened locations, may not have access right away when they first begin accepting card payments through Toast.

In this Article:

General FAQ
Amount FAQ
Deposit to Card Destination FAQ
Identity Verification FAQ
- I’ve submitted my identity verification, why can't I access Instant Deposit?
- I’m trying to upload my ID but it’s not working. What should I do?
Direct-to-Bank Account FAQ
Scheduler FAQ
Troubleshooting FAQ
Additional Resources

Instant Deposit General FAQ

What is Instant Deposit?

Instant deposit is a feature provided by Toast that enables you to access your closed card sales for the day (excluding American Express sales for Amex Direct Merchants) instantly, typically within 30 minutes of making an instant deposit transaction request, for a 1.75% fee. To learn more, see .

When can I use Instant Deposit?

Instant Deposit is available for use at any time, on any day of the year that you have closed, uncaptured sales at your location.

Please be aware that when capture occurs, the available amount resets to zero, and your card payments will go through the normal settlement payout process. In rare cases, Instant Deposit may not be available due to technical difficulties or unforeseen circumstances.

How long does it take funds to arrive?

Funds typically arrive within 30 minutes of initiating the transaction. In rare cases, they could be delayed by things like service interruptions of third parties outside of Toast's control. If you do not see your funds in your bank after 30 minutes, contact Toast Customer Care. You will receive an email once the transaction has been successfully sent.

Can I cancel an Instant Deposit transaction after it’s been initiated?

No, Instant Deposit transactions are final and may not be reversed, canceled, or otherwise adjusted in amount or in any other way.

Can I pay a vendor/supplier through Instant Deposit?

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.

Where can I see a summary of my Instant Deposits?

You can see a summary of your Instant Deposits in the Activity section of the Instant Deposits homepage. You can also find reporting on your Instant Deposit transactions on the Reconciliation report in Toast Web. See Instant Deposit Reporting Overview in Toast Central for more information.

Instant Deposit Amount FAQ

How are the available funds for Instant Deposit calculated?

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 for more detail.

Why is the available amount in Instant Deposit lower than expected?

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 ) or if a substantial portion of your sales is comprised of American Express card sales if you are an Amex Direct merchant.

How much money can I Instant Deposit in a day?

Instant Deposit has a $25 minimum, and each deposit must be for the full amount shown up to the limit for your location. If you make an instant deposit, this amount is deducted from your next payout.

If you're using a debit card for your instant deposit, you can send up to $10,000 per day, with a limit of four deposits per user per 24 hours. New users or newly added debit cards may start with a lower limit for deposits to a debit card (typically $2,500), which increases over time.

If you're depositing via bank account, you can send up to $10,000 per day. Limits are based on your account history and may start lower, increasing as you continue using the feature.

Note: Additional limits may apply based on your bank’s policies.

Instant Deposit to Card Destination Account FAQ

Why is my debit card not compatible with Instant Deposit?

To use Instant Deposit your debit card must be ‘Fast Funds’-enabled. Fast Funds-enabled means that the bank that issues your debit card makes Instant Deposit funds available in the recipient account within 30 minutes of authorization. 99.8%+ of U.S.-issued debit cards are Fast Funds-enabled. Please reach out to your issuer or try another card if your card is not Fast Funds enabled.

Can I use a credit card for Instant Deposit?

No, for card-based deposit, instant deposit may only be used with Visa or Mastercard debit cards issued by U.S. banks insured by the Federal Deposit Insurance Corporation at this time.

For direct-to-bank account deposits, your bank must support integration with either the RTP or FedNow real-time payment rails.

Why am I unable to add or change the debit card on file?

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:

- Instant Deposit Admin: This role is automatically assigned by Toast to the business owner on file. The admin can add or change the destination debit card and initiate a deposit.
- Financial Admin: Users with the "Account Admin > 8.7 Instant Deposit" permission can initiate Instant Deposit requests and view Instant Deposit transactions but cannot change the destination card. This permission can be assigned by any financial admin (see ).

If you're the owner but cannot access the Instant Deposit page or change the debit card, contact for help.

Instant Deposit Identity Verification FAQ

The below steps only apply when looking to add a card destination for Instant Deposit. Users with an eligible account for direct-to-bank account deposits do not require further verification, as this is completed through the change bank account flow.

I’ve submitted my identity verification, why can't I access Instant Deposit?

In most cases, Instant Deposit will be activated on your account within 3 business days after completing identity verification. Occasionally, ID verification must be manually reviewed and may take longer to be processed. Toast will contact you in a trusted manner if further identity verification questions arise.

See for more information.

I’m trying to upload my ID but it’s not working. What should I do?

The ID verification process requires a clear picture of your documents. If you are on a laptop and you receive error messages instructing you to try uploading again, it may be due to the quality of the image.

Your phone camera may be capable of producing a higher quality image than your laptop, enabling you to proceed with the upload. The ID verification process allows you to switch to your phone camera by clicking the ‘use another device option’ when prompted and using your phone to scan the QR code shown on your desktop.

Note: If you receive the "Could not verify your identity” message below, it may be due to multiple failed upload attempts or other verification issues. This message means that the unverified identity will be reviewed by the Toast team. The team will review your verification within two business days and may manually approve or reject it. There is no need to contact Customer Care.

See for more information.

Instant Deposit Direct-to-Bank Account FAQ

What is Real-Time Settlement?

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.

Why is my bank account not supported for instant deposit?

Some bank accounts may be marked as "Not Supported" for instant deposit due to limitations with how your bank processes real-time transactions.

Instant deposit uses real-time payment rails such as Real-Time Payments (RTP) and FedNow to send funds instantly to your bank account (within seconds, except where a payment is rejected or where necessary to review the payment for legal or compliance purposes). These systems not only require banks to be part of their networks, but also require your specific account to support real-time funds transfers.

Not all financial institutions currently support these real-time capabilities. As participation in RTP and FedNow expands, more accounts may become eligible in the future.

If your account is not eligible, you’ll still see the instant deposit interface, but the system will indicate that your account is “Not Supported” and you can still opt to receive instant deposits via a debit card.

Why is the available amount different when sending to my debit card vs. my bank account?

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.

How do I change my bank account for instant deposit?

If you're using bank account deposits, funds are sent to your settlement bank account on file—the same account where your daily Toast payouts are deposited.

See Update or add bank account in toast web () for more details.

You can still update your card on file for card destination deposits, as long as you have admin permissions and are ID-verified. This change does not affect your settlement account for daily Toast payouts.

How do I know where my instant deposit was sent?

You can easily see the destination of your instant deposit by checking the Activity Log on the Instant Deposit page.

- For card-destination deposits: The log will show the last 4 digits of the 16-digit debit card number the funds were sent to.
- For direct-to-account deposits: The log will display the last 4 digits of the bank account number used for the deposit.

If you see a deposit destination that you don’t recognize or have questions about, reach out to the Toast Care team for assistance.

Why is my bank account marked as “Unavailable” for instant deposit?

If your bank account is temporarily marked as “Unavailable”, it’s likely due to a security hold. This typically happens when:

You’ve recently changed your settlement account for daily Toast payouts;

There is a known issue with your bank that affects real-time transfers.

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:

- These blocks are usually lifted within a few days.
- You can continue to use card destination deposits during this time.
- If your account remains unavailable for more than a few days, please contact Toast Care for support.

Instant Deposit Scheduler FAQ

What timezone does my Instant Deposit schedule run on?

The Instant Deposit scheduler works off the local timezone of your location.

How much can I Instant Deposit via the scheduler?

The Instant Deposit scheduler initiates an Instant Deposit transaction for you at the set day and time(s) that you choose. As with ordinary (ad hoc) Instant Deposits, scheduled Instant Deposit transactions will be for the total available amount at the scheduled time, taking into account applicable limits.

See and .

To ensure the maximum offer is available to you, ensure you have closed all checks prior to the scheduled time and have not used manual capture on the PoS device. If there is less than $25 available, the scheduler will not run and a notification will be sent to all financial admins.

What happens if there is an issue when my Instant Deposit schedule runs?

If the scheduler does not run for any reason, a notification is sent to all financial admins to inform you of the reason the deposit could not be made. You then have the option to go to the Instant Deposit page on Toast Web and manually initiate an Instant Deposit provided the amount available is above the $25 minimum.

What time should I schedule my Instant Deposits to take place?

Deposits can be run at any time provided there is a sufficient available amount (at least $25) and taking into account applicable transaction limits. When setting up your schedule, consider your location's operating hours, sales patterns and batch times (usually overnight) to ensure a successful deposit.

Why are certain times disabled for scheduled payments?

To make sure your scheduled payments run smoothly, we’ve disabled certain time slots that may overlap with activity of our banking partners. During these windows, backend processes may interfere with the scheduler and cause failures.

If your preferred time is unavailable, you should choose the next closest time. This gives your payment schedule a better chance of running successfully without delays or errors and ensure you receive your deposit.

Instant Deposit Troubleshooting FAQ

Why am I seeing a message that instant deposit is not currently enabled at this location? My restaurant should be eligible.

Customers are not immediately enabled for instant deposit during onboarding. Please allow one week from when your Toast Web account is set up for instant deposit to be enabled on your account.

Some customers must contact Toast to receive access to instant deposit. If you believe you should have access to instant deposit but do not, please contact Customer Care to request enablement.

You may lose access to instant deposit if you have an active lien or levy on your account. Instant deposit will be disabled until the lien or levy is released.

What should I do if I see an unrecognized transaction or modification request?

If you don’t recognize a transaction or change of card, contact Toast Customer Support immediately. Start a chat in 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 or in the Google Play Store.

For more information on how to contact support view or go to support.toasttab.com.

Why did my Instant Deposit not work?

Instant Deposits can be declined if the card is or becomes unable to receive the funds for reasons including card expiration, a card being reported as lost or stolen, or change in card eligibility. Instant Deposit may be impacted by network outages or technical issues with Toast, its processing partners or a payments network. Additional causes of transaction declines include bank-side delays during holidays or weekends, pending batch processes, and insufficient permissions in the Toast account settings. Verifying these factors helps pinpoint the issue.

Where this occurs, you will receive a pop-up notification during the outage. We recommend you monitor the notifications and try again later. Deposits may also fail due to activity restrictions set by the bank that issues your debit card.

For more details, please speak with your bank about transaction limits on your account.

I’m in offline mode, and my closed sales aren’t showing in my available Instant Deposit amount. Why?

Card payments on offline devices are not available for Instant Deposit. If you are getting stuck in offline/background mode, see: . 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.

Why am I seeing this error message when trying to make an Instant Deposit transaction: “Instant deposit is not available at the moment. Try again later.”?

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 .