Last updated: Dec 17, 2025, 5:30 PM
Declined payments occur when you attempt to process the guest's credit card and the card is denied by the processor. This can happen due to insufficient funds, debit blocks placed on the card, suspected fraud, or even a worn-out chip or magstripe on the card.
| Toast card readers are PCI compliant, meaning no cardholder information is stored beyond the credit card time and the last four digits of the card. Toast is unable to re-process denied transactions. |
What can you do if a guest's card is declined? This can be an uncomfortable situation for both you and the guest. Toast recommends: