Instant Deposit Overview

Instant Deposit enables participating and eligible Toast customers to instantly deposit available amounts of their closed, uncaptured credit card sales directly to their bank account via a Fast Funds-enabled Visa or Mastercard bank debit card.
 

In this Article:

• Instant Deposit Overview
• General Rules
• Debit Card Deposits
• Direct-to-Bank Account Deposits
• Additional Resources

Instant Deposit Overview

Want to receive your card payouts daily, including holidays and weekends? Instant deposit gives you control over your restaurant’s cash flow by allowing you to access your funds typically within 30 minutes of making a request, for a 1.75% fee.

Businesses may experience Instant deposit in one of two ways:

• Deposit to Card: On-demand deposits to a manually linked debit card, typically within 30 minutes.
  • Maximum deposit to debit card per 24 hours: $10,000 (per location)
• Direct to Bank Account: On-demand deposits to your linked bank account.
  • Maximum deposit to default bank account per 24 hours: $10,000 (per location)
  • Payment generally arrives moments after you send it. Real-time settlements use the Clearing House network or the FedNow system to process and settle payments

Permissions required:
Instant deposit will only be available to users in the United States, with Account Admin > 8.7 Instant Deposit in Toast Web. To learn more about setting up these permissions, visit  and .

General Rules

• The minimum deposit amount is $25.
• You must deposit the full amount shown — partial deposits are not supported.
• The available balance reflects deductions for Toast Capital, Easy Pay, and other withholding products. It also excludes American Express transactions.
• Deposits are deducted from your next scheduled settlement payout.
• Additional limits may apply based on your bank or card issuer.

 Debit Card Deposits

• Up to $10,000 per day.
• Limit of 6 instant deposits per user per 24 hours.
  
• New cards start with a $750 daily limit, this limit increases with usage over time.
  
• Works only with U.S.-issued Visa or Mastercard debit cards.
  
• Funds typically arrive within 30 minutes, depending on card eligibility.
  
  

You can only have one debit card on file at a time. To update, go to Payments > Instant Deposit > Add/Edit Card.

Direct-to-Bank Account Deposits

• No additional admin permission required.
• No limits on the number of deposits per day.
• Up to $10,000 per day.
  
• Sent directly to your settlement bank account — no card required.
  • Only available to accounts that support real-time payment (RTP) or FedNow payment rails.
  • Users are unable to change the settlement bank account via Instant Deposit.
    
• Funds typically arrive within 30 minutes, depending on your bank's real-time payment support.

If eligible, this option will appear automatically. No additional setup is needed beyond a verified bank account.

Additional Resources