Toast Payroll: Get Help With Toast Pay Card - Employer Guide

	For Employers Get Started with Toast Pay Card Use the Toast Pay Card   For Employees The MyToast App: Account (start here) The MyToast App: Pay Use and Troubleshoot Toast Pay Card

In this Article:

• Troubleshoot Toast Pay Card
• More Questions About The Toast Pay Card and PayOut Program
• Leave the Toast Pay Card Program

Troubleshoot Toast Pay Card

How do I know which employees have signed up for the Toast Pay Card?

There is no specific report for employers to see which employees have signed up for Toast Pay Card and PayOut. There is only a report to see which employees have selected Toast Pay Card as their . In Toast Payroll, navigate to Reports > Standard. Run the Direct Deposit Report to see which employees have set the Toast Pay Card as their payment method using Toast Payroll.

When an employee has activated their Toast Pay Card, column F in this report (labeled Bank) will display "Toast Pay" and column L (labeled Account Type) will display "Paycard". Keep in mind this report will not show any individuals whose payment method is to receive paper checks.

I think my Toast Pay Card should have been delivered already. How long does it take to ship?

Once the Toast Pay Card has been  from the MyToast app, it typically takes 8-10 business days to arrive. From time to time, shipping delays may occur, but if you suspect the card is taking longer than it should, reach out to  for more details.

What if my employees can't log into MyToast?

Unless an employee has completed the which authorizes a single email address to log into all Toast products, employees must use the email address associated with their Toast Web account, not their Toast Payroll account, to log into the MyToast app. Learn how managers can find employee Toast Web email addresses in . Additional login troubleshooting details can be found in .

How do I customize PayOuts and adjust settings?

Employers have the option to customize settings for Toast PayOuts.  The default setting is to offer Toast PayOuts that are limited to a portion of wages and tips to help account for estimated taxes, withholdings, and deductions. Employers can limit access to Toast PayOuts for tips and/or wages or offer Toast PayOuts for tips that are not adjusted for estimated tax withholdings and deductions. To update your settings, log into Toast Payroll, navigate to Settings > Pay Card and follow the instructions on the page.

If my next payroll run indicates Prohibited or On Hold, what happens to my employee’s Toast PayOuts?

Employee PayOuts are disabled if the payroll is in one of the statuses mentioned above. In order to correct this, the primary contact for the account should follow the instructions in the email coinciding with the Prohibited or On Hold payroll.

What do I do if an employee reports that Toast PayOuts are not available?

Confirm that the Toast Pay Card is the chosen method of payment on the employee's page. If there is still an issue, refer to the Why don't I see the Toast PayOut offer I expected? question of .

What if I need to correct my employee's timesheets after their shift?

Timesheet adjustments are accounted for in subsequent Toast PayOut offers during the same period. Remember to inform your employees of any adjustments as it will affect their subsequent Toast PayOut offers. Examples of time correction scenarios could include employees who clock in/out early or late or forget to clock in for their shift.

For example, an employee works 5 hours, earns $20/hr, and takes out a Toast PayOut offer of $100 (for example purposes, assuming no taxes or withholdings). You later see that the employee clocked out late and was overpaid by an hour, so you edit their timesheet to 4 hours. The employee works 5 hours (at $20/hr) in their next shift and instead of receiving a Toast PayOut offer of $100, is only offered $80 to account for overpay from the previous Toast PayOut.

What happens if my employee's paycheck does not cover the amount of the Toast PayOut taken?

In the unlikely event that your employee's paycheck cannot cover the amount of the Toast PayOuts that they have taken, Toast will still collect the amount from you on payday to apply toward your Toast PayOut line of credit balance. You are then free to collect reimbursement from your employee, subject to applicable laws. Learn how to add a for purposes of reimbursement. It is important to keep time entries within Toast Web current and accurate. Also, verify that all applicable tips are approved and sent to payroll daily to maintain accurate Toast PayOut offers.

What if my employees need help with their Toast Pay Cards or PayOuts?

If your employees have questions about their pay, Toast PayOuts, or logging into the MyToast app and you are unable to answer the question using these resources, we encourage you to contact Toast Payroll's Care team on their behalf. Reach out to us at .

For questions about an employee's Toast Pay Card or related support (e.g., they want to know the card balance, hear transaction history, mark the card as lost/stolen, the card was damaged, etc.), employees can log into the MyToast app or call 866-218-6688.

 More Questions About The Toast Pay Card and PayOut Program

Who issues Toast Pay Cards?

Toast Pay Cards are issued by Sutton Bank, Member FDIC, under license by Mastercard®. Toast Pay Cards are accepted anywhere Mastercard is accepted in the U.S.

How are Toast PayOuts funded?

Toast PayOuts for both tips and wages are funded by a 0% line of credit extended to you by Toast, Inc. (check your credit agreement to confirm your lender). For details about your line of credit, click or see your credit agreement.

Toast PayOuts for tips reflect tips owed (i.e., the tips that would have normally been paid via payroll on payday). The employer is still responsible for disbursing cash tips to the employee under the restaurant's tip policy.

Tips can be paid on the Toast Pay Card as though employees were receiving them in case on the day earned. Wages will be paid through a wage advance that you provide to your employees and will be recouped on payday through wage deduction. Each time an employee requests a Toast PayOut for wages in the MyToast app, Toast will collect a Wage Deduction Authorization from that employee on your behalf.

Do employees need a smartphone to use this product?

Yes. Access to the Toast Pay Card and PayOut product requires the MyToast app, which is available on the latest versions of iOS and Android. Users will not be able to access this product without a smartphone.

Furthermore, The MyToast app can only be used on iPhone and Android devices which meet the OS requirements: As of 4/17/25, must have iOS 16.0 or later installed and must have Android 11 or later installed. Select the links to learn how to check your smartphone's OS version.

What fees will I be charged?

There is currently no cost to you, the employer, to offer Toast Pay Card and PayOut. Toast Pay Card is also free for your employees; however, third-party ATM operators may charge a fee unless the cardholder uses an ATM within the MoneyPass® Network, and third-party financial institutions may charge a fee for over-the-counter withdrawals unless the institution is a Mastercard member bank.

Can employees split their paycheck between Toast Pay Card and another payment method?

We currently don't offer the capability for an employee to split their paycheck between their Toast Pay Card and direct deposit or paper check. All wages and non-cash tips will be paid via the employee's selected method of receiving payroll funds.

How can employees transfer money from the Toast Pay Card?

• • Employees can use their Toast Pay Card anywhere Mastercard is accepted.
  • Employees can transfer funds for free directly to external bank accounts two (2) times per calendar month. It is not possible to exceed that limit, even for a fee. This process takes approximately 2-3 business days upon transaction initiation.
  • They may also withdraw cash from over 37,000 ATMs within the MoneyPass® Network at no cost. is a map of the MoneyPass ATM network, which can also be found on the MyToast app. For more details on limits, refer to the Are there limits to how much cash I can withdraw from an ATM transaction? question in the .
  • Employees can also access over-the-counter withdrawals at a bank but may be charged a fee at banks that are not Mastercard member banks.

Do Toast Pay Cards have digital wallet functionality?

Toast Pay Card supports digital wallet functionality such as Apple Pay and Google Pay. This may be done by adding the Toast Pay Card to your device's digital wallet. Venmo and Cash App are now supported.
 

What benefits come with a Toast Pay Card?

The card includes a range of benefits, including Mastercard ID Theft Protection, Extended Warranty, Price Protection, and Mastercard Airport Concierge™. See the for a full list of card benefits with details about how to redeem and use them.
 

Can Toast Pay Cards be used internationally?

No, not at this time.
 

How can I tell if an employee has taken a Toast PayOut?

Toast PayOuts that have been accepted by employees will appear on each employee's respective timesheet. An individual with the appropriate security access can navigate to an employee's profile and select Pay History > Timesheets (employees with the defaulted Employee security role cannot see their own timesheets). There, select a hyperlinked pay period to view the Toast PayOut line items broken out by shift, which indicate acceptance of a Toast PayOut by the employee.

For illustration purposes
 

Will employees receive their entire tip amount in a Toast PayOut?

Employers can set whether Toast PayOuts for tips are adjusted for estimated tax withholdings and deductions. This can be done in Toast Payroll by navigating to Settings > Pay Card and following the instructions on the page. The default setting is to offer Toast PayOuts that are limited to a portion of both wages and tips to help account for estimated taxes, withholdings, and deductions. Toast Payroll cannot advise which selection should be made here; contact a CPA, attorney, or tax specialist for more information and speak with your employees about which settings are selected.
 

Are salaried employees eligible for Toast PayOuts?

No. Only non-salaried employees who track time on timesheets are eligible for Toast PayOuts.

Leave the Toast Pay Card Program

If my employee would like to cancel their individual Toast Pay Card, who do they contact?

The employee should contact 866-218-6688 and request their card be canceled/deactivated. If they do not update their in Toast Payroll, it will default to a paper check.

What if I want to stop offering the Toast Pay Card and PayOut program to my employees?

You can update access to Toast PayOuts through Settings > Pay Card. Toggle the topmost switch to Off.

If you would like to stop offering access to the Toast Pay Card and PayOut programs altogether, send a request to . Once we turn off the product for your restaurant, your employees will stop receiving Toast PayOut offers if you had offered them previously, and new employees will not be able to sign up for new Pay Cards. Ask your employees to change their selected from Toast Pay Card to check or direct deposit as soon as you've sent us a request to stop offering access to the program. Your employees will continue to receive their pay on their Toast Pay Cards on payday until they update their payment method. Here is a short message you can send to your employees to help them make the switch:

Team - we are no longer offering the Toast Pay Card and PayOut program effective [immediately]. As a result, you will no longer be able to receive Toast PayOut offers. You will continue to receive your pay on your Toast Pay Card if you had one and had selected it as your payment preference until you change your by logging into payroll.toasttab.com [please change your payment method by xx/xx/xxxx].

What if I'm required to stop offering Toast Pay Cards and PayOuts to my employees?

There may be instances where Toast may terminate the agreement(s) you executed at the time of your program onboarding. See your agreement(s) for details. For example, in the event you fail to fully fund a payroll cycle for Toast Pay Card or Toast PayOuts, and fail to cure this default, then the line of credit associated with the Toast PayOut program may be suspended or terminated. In this case, you must inform your employees so they are aware that either Toast PayOuts or the Toast Pay Card and PayOut program will no longer be available to them, and their wages might be otherwise impacted. For example, if the Pay Card and Toast PayOut program is formally terminated, employees will need to switch their back to direct deposit or paper check.