上次更新时间：2026年9月10日 15:00
Find out why a Toast deposit is smaller than your credit card sales, using the Payout Overview and Sales Summary reports.
Applies to: Toast Web
Permissions needed:
What you'll accomplish: Account for the difference between a day's credit card sales and the money Toast deposited, line by line.
Note: If the deposit has not arrived at all, see Get Help With Missing or Delayed Credit Card Deposits instead.
Your deposit is your card payments, minus processing fees, minus any withholdings. It is never the same number as your total sales.
| Symptom | Most Common Cause | Quick Fix |
| "My deposit is a few percent below my card sales" | Card processing fees | Compare to the Credit/Debit total in Sales Summary, not to Net Sales or Revenue. |
| "My deposit is much lower than usual" | A withholding, such as a Toast Capital repayment or an Instant Deposit | Open the payout row in Payout Overview and review the Withholdings section. |
| "My deposit doesn't match my Revenue number" | Revenue includes cash, gift cards, and other tenders | Compare card sales only. Toast does not deposit cash. |
| "My deposit is off by a few cents" | Rounding between reports | The Payout Overview total is what was deposited. No money is missing. |
| "Sales look higher than payments" | Orders that were never paid | Check Reports > Sales > Paid in total for unpaid orders. |
| "One day settled as two deposits" | More than one batch closed that day | Add the deposits together before comparing. |
Most mismatches come from comparing a deposit to the wrong sales figure.
Expected outcome: You have two numbers to work with: what your customers paid on cards, and what Toast deposited.
Note: Use the Credit/Debit total in Payments Summary. Do not use Net Sales or the Revenue figure. Those include cash, gift cards, and other tenders that Toast does not deposit, and they have amounts deducted that do not show up in payment reports.
Card processing fees come out before the money reaches your bank. This is the most common reason a deposit is smaller than card sales.
To see fees by card type, navigate to Reports > Payments > Daily card activity or Reports > Payments > Deposit totals overview. For a full statement of what you were charged, see Understand the Processing Statements Report.
Open the payout row in Payout Overview and review the Withholdings section. Withholdings are amounts taken out of a deposit for something other than card processing.
Note: In the Deposit totals overview report, these amounts are grouped together in an Other column rather than listed separately. Open the payout in Payout Overview to see them broken out.
An unpaid order counts toward your sales but produces no deposit, because no payment was ever taken.
Expected outcome: Your sales figure now reflects only orders that were actually paid.
A difference of a few cents between reports is rounding, not missing money. The total in Payout Overview is the amount that was sent to your bank. If a third-party accounting or inventory tool you connect to Toast shows a slightly different number, use the Payout Overview total as the source of truth for what you were paid.
Your deposit does not match your Sales Summary because Sales Summary reports what was rung in, and your deposit reports what was paid out. Cash, gift cards, unpaid orders, processing fees, and withholdings all sit between the two. Compare the deposit to the Credit/Debit total in Payments Summary.
Also asked as:
The Other column groups the fees and withholdings that were deducted from that deposit beyond standard card processing, such as Instant Deposit fees, Toast Capital repayments, and Easy Pay payments. To see them itemized, open the payout in Reports > Payments > Payout overview.
No, Toast does not deposit cash sales. Only card payments processed through Toast are deposited into your bank account. Cash stays in your restaurant.
Your deposit went down because an Instant Deposit is an advance on money that would otherwise arrive in your next scheduled deposit. The amount you took, plus the 1.75% fee, is deducted from that next deposit. See Instant Deposit FAQ.
A deposit can appear on an unexpected day when a batch closed after 9:30 p.m. ET, when more than one batch closed in a day, or when a chargeback you disputed and won was credited back to you. A won chargeback arrives as money in, which can make a deposit larger than expected.
Have this ready before contacting Toast Customer Care:
Then contact Toast Customer Care.