Understand Form 1099-K

Toast distributes printed Form 1099-K documents via mail to eligible merchants every January. If you'd like a Form 1099-K for a prior year, please contact customer care through chat. Include the year, specific locations, and delivery method (mail or email) you prefer. You might confirm the business address or email address you'd like this shipped to as well. For email, the standard expected timeline is 3+ business days once your request has been processed by our team.

In this article:

• Why do you need 1099-K form?
• Before you begin
• Quick fix
• If You Need Your Current-Year Form 1099-K
• If You Need a Prior-Year Form 1099-K
• If You Did Not Receive Your Form 1099-K
• If Your Form 1099-K Has an Error
• If Your Sales Summary Totals Do Not Match
• If You Stopped Using Toast
• If You Have Multiple Locations or Entities
• Before You Contact Customer Care
• Frequently Asked Questions

Why do you need 1099-K form?

Form 1099-K reports the credit-card payments Toast processed for your business. It is issued to the business that processed payments through Toast.

If you are looking for a contractor tax form (Form 1099-NEC or 1099-MISC) because you were paid as an independent contractor through Toast Payroll, see Toast Payroll: Manage 1099 Contractors instead. The two forms are different and are issued by different parts of Toast.

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Before you begin

Applies to: Toast POS, Toast Payments, Toast Delivery Services®

Permissions needed:

• Account access for the business that processed payments through Toast (typically the owner or an authorized contact on file)
• Need Account admin access. Please see article: Permissions Reference Guide for more information.

What you'll accomplish: Locate, receive, or correct your Form 1099-K from Toast.

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Quick Fix

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If You Need Your Current-Year Form 1099-K

Toast mails Form 1099-K to qualifying merchants each January for the prior calendar year. The form is not available to download in Toast Web. Watch the business mailing address on file with Toast for a paper copy. Mailed forms do not have a standard delivery timeline.

If you have not received your form by mid-February, contact Toast Customer Care through chat to confirm your address and request a copy — see Contact Customer Support.

Expected outcome: You receive your Form 1099-K by mail at your business address, or Toast Customer Care provides a resend.

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If You Need a Prior-Year Form 1099-K

Prior-year Form 1099-Ks are not posted in Toast Web. Toast Customer Care can resend them.

To request a prior-year Form 1099-K:

1. Contact Toast Customer Care through chat — see Contact Customer Support.
2. Provide the year you need, the specific business locations, and the delivery method you prefer (mail or email).
3. Confirm the business address or email address where you want the form delivered.

Emailed forms can take three or more business days to reach your inbox after the request is processed. Mailed forms do not have a standard delivery timeline.

Expected outcome: Toast sends your prior-year Form 1099-K to the address or email you provided.

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If You Did Not Receive Your Form 1099-K

Before you contact Customer Care, check your email Spam or Junk folder if you requested email delivery.

If you still do not see your form:

1. Contact Toast Customer Care through chat — see Contact Customer Support.
2. Provide your Merchant ID (EIN) and the year you need.
3. Confirm your preferred delivery method (mail or email) and the destination address.

Emailed forms can take three or more business days to reach your inbox after the request is processed. Mailed forms do not have a standard delivery timeline.

Expected outcome: Toast Customer Care resends your Form 1099-K or confirms the original delivery status.

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If Your Form 1099-K Has an Error

Toast can correct and reissue your Form 1099-K. Errors that require a corrected form include:

• Incorrect business name
• Incorrect EIN
• Financial calculation discrepancy

To request a correction:

1. Contact Toast Customer Care through chat — see Contact Customer Support.
2. Provide the error details and the tax year of the form.
3. Confirm where the corrected form should be sent.

Expected outcome: Toast issues a corrected Form 1099-K and sends it to you.

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If Your Sales Summary Totals Do Not Match

Sales Summary totals and Form 1099-K totals will not match exactly. The difference comes from timing:

• Sales Summary shows sales on the day they were taken.
• Form 1099-K reflects deposits, which usually occur one to three days after a sale.
• A few days of sales near the start and end of the year fall in one report but not the other.

To compare your totals:

1. Add up every Form 1099-K you received for the year — Toast may issue more than one form per business.
2. Compare the sum to the matching deposit window in your Sales Summary, not the sale-date window.

Note: Payments processed through third-party platforms such as Uber Eats or Grubhub are not on your Toast Form 1099-K. Those platforms issue their own 1099-Ks separately.

Expected outcome: Your Form 1099-K total matches the deposit-window total from your Sales Summary, within the normal one-to-three-day deposit timing.

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If You Stopped Using Toast

If you stopped using Toast during a calendar year, Toast still mails Form 1099-K the following January for the period you processed payments. The form is mailed to the business address on file when service ended. It is not available online after account deactivation.

If the address on file is no longer current, contact Toast Customer Care through chat to update it and request a resend — see Contact Customer Support.

Expected outcome: You receive your Form 1099-K by mail at your business address on file, or Toast Customer Care resends it to a current address.

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If You Have Multiple Locations or Entities

Toast issues a separate Form 1099-K for each business entity that processed payments. If you have multiple LLCs or company codes, expect more than one form.

To request all of your Form 1099-Ks:

1. Contact Toast Customer Care through chat — see Contact Customer Support.
2. Provide every business entity name, EIN, and location you need a form for.
3. Confirm a single delivery method and destination for all forms, or specify per-entity preferences.

Expected outcome: Toast Customer Care sends one Form 1099-K per business entity.

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Before You Contact Customer Care

For some scenarios — prior-year requests, resends, corrections, and multi-entity requests — Toast Customer Care is the only path. To save time when you reach out:

• Have your Merchant ID (EIN) ready
• Know the tax year you need
• List every business location or entity involved
• Confirm the delivery method (mail or email) and the address or email you want used
• Check your email Spam or Junk folder before requesting a resend

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Frequently Asked Questions

What is Form 1099-K?

Form 1099-K is an IRS information return that reports the gross dollar amount of payment-card transactions Toast processed for your business during the calendar year. "Gross" means the total of all transactions before any adjustments for refunds, fees, discounts, or chargebacks. For more on how the IRS uses Form 1099-K, see the Understanding your Form 1099-K (external link).

Also asked as:

• • "What is a 1099-K?"
  • "What is the 1099 form Toast sends?"
  • "What does my 1099-K cover?"

Does Toast send me a Form 1099-K?

Yes, Toast sends Form 1099-K to qualifying merchants who processed payment-card transactions through Toast. Toast mails the form each January for the prior calendar year. If you process payments through Toast and meet IRS reporting thresholds, you will receive one.

Also asked as:

• • "Do I get a 1099-K from Toast?"
  • "Will Toast send me a tax form?"
  • "Does Toast issue 1099-Ks?"

Can I download Form 1099-K from Toast Web?

No, you cannot download Form 1099-K from Toast Web. The form is mailed to the business address on file each January. If you need a digital copy, contact Toast Customer Care to request an emailed version.

Also asked as:

• • "Where can I download my 1099-K?"
  • "Is the 1099-K available online?"
  • "How do I get a digital copy of my 1099-K?"

When will I receive my Form 1099-K?

You will receive your Form 1099-K in January for the prior calendar year. Mailed forms do not have a standard delivery timeline. Emailed copies — when requested through Toast Customer Care — take three or more business days to reach your inbox after the request is processed.

Also asked as:

• • "When does Toast mail 1099-Ks?"
  • "When should I get my 1099-K?"
  • "Has my 1099-K been sent yet?"

Are payments from Uber Eats or Grubhub on my Form 1099-K?

No, payments processed through third-party platforms such as Uber Eats or Grubhub are not on your Toast Form 1099-K. Those platforms report their own 1099-Ks separately. Toast's Form 1099-K covers payments processed through Toast POS, including Toast Delivery Services®.

Also asked as:

• • "Does my 1099-K include Uber Eats?"
  • "Are Grubhub payments on my Toast 1099?"
  • "What payments are on my 1099-K?"

Should I use my Form 1099-K to file my taxes?

You can use Form 1099-K as a reference when reporting income on your tax return. The IRS recommends considering the amounts on Form 1099-K along with all other amounts received when calculating your gross receipts. For specific tax filing advice, consult a tax advisor or CPA — Toast cannot advise on how to file.

Also asked as:

• • "Do I need my 1099-K to file taxes?"
  • "How do I use my 1099-K?"
  • "What do I do with my 1099-K?"

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Related Articles

• Toast Payroll: Manage 1099 Contractors
• Toast Delivery Services® Overview
• Contact Customer Support

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This content is for informational purposes and is not intended as legal, tax, HR, or any other professional advice. Please contact an attorney or other professional for specific advice.