Last updated: Dec 17, 2025, 11:02 AM
Toast Easy Pay is Toast’s flexible payment lease option. It allows you to pay for your upfront costs for Toast hardware and related costs (onboarding services, shipping/handling, and taxes) over three different term length options: 180 days, 360 days, and 540 days for new customers. You will be given a daily lease amount along with your Lease Agreement, which equals the total lease amount divided by the number of days in the term. Beginning at Go-Live, Toast withholds a fixed holdback percentage up to a maximum daily holdback payment amount from daily card transactions until you either fully pay the full amount of the lease or you reach the end of your term. On a daily basis, this may overpay or underpay the daily lease amount, though in many cases, this will balance out during the term. For important information about how this works, see the FAQ titled "How do I make payments with Toast Easy Pay?"
Toast Shop purchases, however, only have a 180-day term length, with a fixed daily holdback of 0.75% of card sales.
Toast requires a 15% security deposit that we treat as the purchase price, so there is no additional purchase cost. The security deposit is 15% of the final invoice total.
You cannot use Easy Pay to pay for Toast Payroll items.
Easy Pay not only minimizes initial costs for you by spreading upfront costs over time, but there is no interest, no credit check, and a 100% approval rate for U.S.-based Toast customers. This payment option is also offered directly through and by Toast, so there are no third-party partners involved.
Toast Easy Pay is structured as a lease, which is different from a loan. Instead of purchasing hardware upfront and paying over time, Easy Pay customers pay to use the Toast-owned equipment for the duration of the term and are then presented with the option to purchase the equipment as they near the end of their lease. There are other end-of-lease options presented in the Lease Agreement, but purchase is the most common one.
The only eligibility requirement is that you becomes a Toast customer. Easy Pay is also not currently available for customers outside of the United States (50 states + DC only).
No, Toast Easy Pay has no interest!
Toast Easy Pay daily payments are automated, so you don’t have to worry about keeping up with another bill. Although you'll have a daily lease payment that will be disclosed to you with your lease agreement (which will equal the total lease amount divided by number of days in the term), Toast has made making these payments easy for you by holding back a fixed percentage of your daily sales up to a maximum daily dollar amount and applying it to your daily lease payment. So, you can rest assured you won’t have more than a specified amount held back from your transactions each day.
Your maximum daily dollar amount will likely be higher than your daily lease payment, so on some days you may overpay the amount due; but, because you may not process every day and on slower days the fixed percentage of sales may equal less than your daily lease amount, sometimes you may underpay. Generally these payments will more or less even out over the course of the term; however, if you are falling behind, we do reserve the right to debit the difference between the total lease payments due to date and the amount actually paid through holdback via ACH periodically from your bank account on file with Toast. We will notify you before this occurs. If there is an outstanding balance remaining at the end of the term, Toast will ACH the balance.
Toast will stop collecting a percentage of daily sales if you’ve paid your total lease payments before the end of your term.
The term of your lease will be either 180, 360, or 540 days from the date that you go live on Toast and begin processing, but you may complete your lease payments before the end of the term if the amount of your daily transactions held back and applied toward your lease payments is consistently greater than your daily lease payment (which will equal the total lease amount divided by number of days in the term). If this occurs, Toast will stop daily withholding for the remainder of the term. We have calculated your maximum daily holdback amount based on your total lease amount, your term chosen, and the self-reported average number of days you operate. We also factor in an additional buffer of 30 days to account for events like holidays or weather-related closings. However, if your daily transactions are consistently low, you may be underpaying your daily lease payment. If you are falling behind, Toast may reconcile the difference between the sum of the daily lease payments owed to date and the amount received through daily holdback through a debit of your bank account on file with Toast. If you have not paid the full amount of the lease within the lease term, generally the balance will be ACH debited from your bank account at the end of the lease.
Near the end of the lease term, you'll receive communication from Toast that outlines how you can take ownership if you’d like to. You'll be asked to provide written notice to 30 days before the final day of the lease term that indicates your election to own your Toast Hardware. If you elect to own your Toast Hardware, your security deposit will be applied to the purchase price and ownership title will be transferred from Toast to your restaurant. No additional money will come out of your pocket. If you do not wish to purchase your hardware, your Lease Agreement will outline other end of lease options.
When you log in to Toast Web, select Financial products within the left-hand navigation rail. Your Toast Easy Pay report and the remaining amount of your Toast Easy Pay lease will be available from this page. Feel free to email us at if you have any questions.
If you're a Toast customer, you can email the team at .
Your total lease amount will equal the total price of your Toast hardware, onboarding and implementation services, shipping and handling, and taxes, minus an upfront security deposit of 15% of the total price.
Your lease term will start upon hardware shipment, and Toast will begin holding back payments at this time. Your security deposit is also due upon shipment.
For a Toast Shop order on Easy Pay, be sure to review your lease agreement for the applicable terms in this scenario.
Don’t worry — your lease payments do not begin until you go live, which should happen within 120 days from the date you sign your lease agreement. If you expect your go-live date will be greater than 120 days from the signing of your lease agreement please email the Toast Easy Pay Operations team ASAP at .
Toast won't start collecting Toast Easy Pay payments until after you start processing payments. Your 15% security deposit is due via ACH upon shipment of your Toast install order.
Yes! Once you have gone live with Toast, you can select Easy Pay when purchasing additional hardware and onboarding and implementation services through Toast Shop. This will generate a separate lease agreement for these additional items under different lease terms (i.e., this FAQ may not apply to additional purchases).
The Toast Easy Pay team will email you after you’ve gone live with Toast to confirm your lease term has begun. Near the end of the lease term, you'll receive communication from Toast that outlines how to take ownership of your Toast Hardware as well as other end-of-lease options. If you elect to purchase your hardware, you'll be asked to provide written notice to within 30 days before the final day of the lease term that indicates the election to own the Toast hardware. If you elect to own your Toast hardware, the security deposit paid at booking will be applied as the purchase price and ownership title will be transferred from Toast to you. You will not owe any additional money to purchase the hardware other than the amount that Toast is holding as the security deposit.
Your total lease amount will equal the total price of your Toast hardware, onboarding & implementation services, shipping and handling, and taxes, minus an upfront security deposit of 15% of the total price. For example, if the cost of your hardware is $1,000, then your security deposit will equal $150. The total amount of your lease will be $850, due over your lease term. Toast will collect the daily lease payment by holding back 0.75% of your sales processed through Toast. If you've paid off the total lease amount before the end of the lease term, Toast will stop collecting the daily lease payment. If at the end of the lease term the total lease amount has not been completely paid, Toast will ACH the unpaid amount from your bank account on file with Toast on the final day of your lease term.
After you initially sign up for Toast, any additional hardware and onboarding and implementation services can be purchased via Toast Shop. Easy Pay is available in Toast Shop with specific terms and will require a separate order with a separate lease agreement. The holdback will be additive to any current holdbacks you may have for these additional products and services.
Your lease term will start upon hardware shipment, and Toast will begin holding back payments at this time. Your security deposit is also due upon shipment.
The Toast Easy Pay team will email you after your order ships to confirm your day lease term has begun. Near the end of the lease term, you'll receive communication from Toast that outlines how to take ownership of your Toast hardware, as well as other end-of-lease options. If you elect to purchase your hardware, you'll be asked to provide written notice to within 30 days before the final day of the lease term that indicates the election to own the Toast Hardware. If you elect to own your Toast hardware, the security deposit paid at booking will be applied to the purchase price and ownership title will be transferred from Toast to you. You will not owe any additional money to purchase the hardware other than the amount that Toast is holding as the security deposit.