上次更新时间：2026年5月8日 06:46
In this FAQ guide, learn about Toast Easy Pay for UK restaurants: an interest-free loan for hardware costs.
| The content in this article is applicable to customers in the U.K. only. For customers in the U.S with questions on Easy Pay, please refer to this article |
Toast Easy Pay Loan is a financing option for new customers that allows you to spread the cost of Toast hardware over time. It allows you to pay for your upfront costs for Toast hardware and related costs (onboarding services, shipping/handling, taxes, VAT) over 180 days.
Toast Easy Pay not only minimises initial costs for you by spreading upfront costs over time, but there is no interest and no credit check for UK based Toast customers.
Beginning on your Repayment Commencement Date (which is the earlier of when you start processing card transactions or 90 days after your loan is disbursed), Adyen 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 loan or you reach the end of your term
Adyen is the lender for Toast Easy Pay Loan. Adyen is a global financial technology company and licensed bank headquartered in the Netherlands, providing payment processing, banking, and lending services to businesses worldwide.
For Toast Easy Pay Loan, Adyen provides the loan funds directly to eligible Toast customers and manages all credit decisions and loan servicing. Toast partners with Adyen to offer this financing option.
Adyen owns the legal loan agreement. Toast hosts the customer journey and ensures you can view and sign easily within your onboarding experience.
No, Toast Easy Pay is a loan to help spread the cost of Toast hardware only.
Toast Easy Pay Loan is available to Toast restaurant partners in the UK who process payments through Toast Payments. Approval is subject to Adyen’s eligibility and underwriting criteria. Please talk to your Toast Sales Representative for more information on the criteria.
Your Toast sales representative will discuss the Toast Easy Pay Loan option with you during onboarding. If you’re interested, you’ll provide information about your business during onboarding. Toast’s lending partner, Adyen, will then review the information you provided. If approved, you’ll be shown the loan agreement to review the terms ahead of signing.
If you haven’t discussed Toast Easy Pay Loan with your Sales representative, please reach out to them to see if financing may be available for your hardware purchase.
If you have already submitted your information for review and were not offered financing, it means Adyen, Toast’s lending partner, determined that your business does not meet their eligibility criteria at this time. Adyen makes all credit and eligibility decisions solely based on their underwriting review. That said, if you are not eligible for Toast Easy Pay Loan today, you could become eligible in the future. Our Sales representatives are here to find the best option for you, so please connect with them to discuss the best path forward!
Adyen's decision is based on a combination of factors, including your processing volume and current repayment capacity, besides other additional risk assessments. At this stage your business data might not meet the required thresholds.
Your Toast Easy Pay Loan offer may expire if your hardware is not shipped within 60 days of you signing the loan agreement. You can contact your Toast Sales Representative if you’d like to check whether a new offer can be reviewed.
While most partners are approved, Adyen may decline financing if certain eligibility criteria aren’t met. Toast will inform you of the decision and provide the next steps.
No. Applying for the Toast Easy Pay Loan will not affect your credit rating.
No. The Toast Easy Pay Loan does not require a personal guarantee or place a lien on your business assets.
Only the business owner or authorised representative of the restaurant can review and accept the Capital Terms of Service during onboarding. This ensures the person signing has legal authority to enter into financing agreements on behalf of the business.
Unfortunately, at this time you can’t route the contract to someone else. The contract can only be signed by those authorised to sign on behalf of your business.
Adyen provides proactive risk assessments based amongst others, on your estimated payment volume. The outcome of the assessment results in the offers displayed to you.
No, there is no interest charged on a Toast Easy Pay Loan.
No. There are no additional costs associated with signing up for a Toast Easy Pay loan.
You’ll see your final loan quote once your hardware invoice is generated. The amount shown before signing is an estimate, and your final offer will update automatically when your hardware order is shipped. You can see final loan terms in the Burndown Report by signing in to Toastweb and navigating to the Financial Products Page.
The initial financing amount shown is an estimate. Your final loan amount is based on the actual cost of your hardware order once it’s invoiced including shipping, taxes, and any changes to your hardware selection.
The agreement will clearly state the loan amount, daily repayment rate, repayment period, and your obligations.
Once signed, you will be able to see your Loan Agreement under the Financial Products section in Toast Web.
With Toast Easy Pay Loan, instead of paying for your hardware upfront, repayments are deducted automatically as a percentage of your daily card transactions processed through Toast Payments.
Toast Easy Pay daily payments are automated, so you don’t have to worry about keeping up with another bill. Toast has made making these payments easy for you by holding back a fixed percentage of your daily card transactions and applying it to your loan balance. So, you can rest assured you won’t have more than a specified amount held back from your transactions each day.
Example: If your agreed repayment rate is 10% and you process £2,000 in card sales in a day, £200 would be deducted from your payout and applied to your loan balance.
Your loan is repaid automatically through a fixed percentage of your daily card transactions. Each day, a portion of your sales is deducted from your payout and applied to your remaining balance. Repayments continue until your balance is fully paid. You can track your progress anytime in your Toast Easy Pay Loan dashboard in the Financial Products tab in Toast Web.
Your repayment rate is primarily determined by your total funding amount and monthly gross processing volume, alongside other risk factors and internal underwriting assessments made by Adyen
A fixed percentage of your daily card transactions (up to 10%) is withheld automatically before your payouts. The percentage and repayment duration are shown in your agreement and it will also be shown under repayment method on the burnout report page. You can also track your daily repayment deductions in the following places:
Your daily repayments will automatically begin once you start processing card transactions on Toast. You have a Grace Period that begins the day your loan is disbursed. This Grace Period ends either 90 days after Easypay loan disbursement or on the day you process your first transaction, whichever happens first
Repayments begin as soon as your business goes live and starts processing payments, or at the end of the 90-day grace period, whichever comes first.
By default, Adyen deducts a fixed percentage from each sale to repay the outstanding grant amount.
With scheduled repayments, Adyen reserves a fixed percentage of funds from the net captured volume immediately upon capture. The net captured volume is calculated as the funds captured minus the funds refunded or charged back. At the end of each sales day, we deduct the reserved funds from your balance as part of the repayment process.
This information will be available on your burndown report, found in the Financial Products tab in Toast Web. If you have any questions about it please contact Toast support.
The minimum monthly amount is the minimum total repayment you are required to make within a given month under your Toast Easy Pay Loan agreement.
While repayments are deducted daily from your daily card transactions, this minimum is assessed by Adyen on a monthly basis. Your daily deductions are structured to help you meet this monthly target.
If your total repayments for the month do not meet the required minimum monthly amount, the shortfall (known as a “Required Additional Repayment” under your loan agreement) is due and payable by you immediately. Adyen may use any rights available to it, including direct debit authorisations, to collect this amount. If you anticipate difficulty meeting your minimum monthly repayment, please contact Toast Support as soon as possible to discuss your options.
The standard repayment length of your Toast Easy Pay loan is 180 days.
The term of your loan is 180 days, starting from your Repayment Commencement Date. This date is triggered by your first card transaction or the end of your 90-day Grace Period - whichever comes first. You may complete your loan payments before the end of the 180 days, depending on your daily card transactions held back and applied toward your loan payments. If you’ve paid your total loan before the end of 180 days, Toast will stop collecting a percentage of your daily card transactions.
Unfortunately, not at this time. The repayment length cannot be longer than 180 days, but it might end up being less than 180 days if your daily card transactions and therefore your daily repayment rate are more than initially estimated.
Please contact Toast Support to have your daily repayment rate updated.
If you have questions regarding your pending balance or need assistance reconciling your deductions, you can contact our Customer Care team 24/7 via chat support in Toast Web or in Toast Support.
You can also reach Customer Care by phone:
For more information on how to contact support view How to Contact Customer Support or go to support.toasttab.com.
We understand that sometimes unexpected events occur and we are here to assist. Please reach out to Toast support and submit the relevant documents as requested by the team. Adyen’s team will evaluate your situation on a case-by-case basis to determine if a temporary or permanent payment adjustment is possible.
Yes. If your needs change after you have been approved but before the funds have been issued, you have the flexibility to request a final disbursement amount that is lower than your total approved limit. Please reach out to your Toast Sales representative as soon as possible to adjust your order and financing total before the loan is finalised.
We understand that sometimes unexpected events occur. If you would like to request a modification to the terms of your loan, please reach out to Toast support and submit the relevant documents as requested by the team. Adyen will evaluate your information and will provide your new repayment options, if possible. Modifications will be reviewed on a case by cases basis and are not guaranteed.
Yes, you may repay your loan in full or in part at any time without penalty, in accordance with your agreement.
If you would like to make an early repayment, please contact Toast Support. Toast will coordinate with Adyen to provide you with available repayment options, which may include making a direct payment or adjusting your repayment rate.
In some cases, your loan may also be repaid earlier than expected if your daily repayments accumulate more quickly due to higher transaction volume.
Yes, you can pay off your loan early at any time and there’s no penalty for early, voluntary prepayment. If you would like to make a voluntary prepayment, please contact Toast Support for further details.
We can either increase your repayment percentage to 100% using all the available balance from your transactions or you can initiate a bank transfer to pay your remaining open balance. Please contact Toast Support using with your request.
Your loan will automatically close once the full amount is repaid. Ideally, this happens within 180 days. However, depending on your daily card transactions and repayment rate, you might end up paying the full amount ahead of the 180 days. If your repayments are slower, Adyen tracks your progress each month against a minimum repayment threshold. If your repayments fall below that threshold, Adyen will reach out to you to review your account and discuss the next step to avoid being over the 180 days. If you have any further questions, please contact your Toast Sales representative.
You can view repayment history and remaining balance in your Burndown report. To access this report, you can navigate to the Financial Products page through the left menu on Toastweb.
When you log in to Toast Web, select Financial products within the left-hand navigation menu. Your Toast Easy Pay report and the remaining amount of your Toast Easy Pay loan will be available on this page. Please contact Toast Support if you have any questions.
Yes. You can view your loan details anytime in Toast Web. Just log in, open the left menu, and select Financial Products to see your Burndown Report, which shows your total balance, repayments, and progress.
You can also track your daily repayment deductions in the following places:
If you need to update your bank account for money deductions, please contact Toast Support.
If you have questions regarding your pending balance or need assistance reconciling your deductions, you can contact our Customer Care team 24/7 via chat support in Toast Web or in Toast Support. recon
You can also reach Customer Care by phone:
For more information on how to contact support view How to Contact Customer Support or go to support.toasttab.com.
Please contact Toast Support to have your daily repayment rate updated.
If you have questions regarding your pending balance or need assistance reconciling your deductions, you can contact our Customer Care team 24/7 via chat support in Toast Web or in Toast Support.
You can also reach Customer Care by phone:
For more information on how to contact support view How to Contact Customer Support or go to support.toasttab.com.
If your order hasn’t shipped yet, you can cancel it by contacting your Toast Sales Representative or Onboarding Consultant. Unfortunately, if your order has already shipped it is not possible to cancel it.
Once your hardware ships and your loan is funded, your loan becomes active. While no payments are due during the Grace Period (i.e., the period starting on the day your loan is disbursed and ending on the earlier of 90 days after disbursement or the day you process your first transaction), you are still responsible for the loan according to your agreement.
Please be aware that hardware returns are not standard once a loan is active. If you cannot go live or need to return unopened equipment, please contact your Onboarding Consultant at Toast for further assistance.
If you do not begin transacting before the Grace Period ends, your loan may be considered in default. In this case, the full balance may become due, and Adyen may begin collection efforts. All returns and loan adjustments require approval and are not guaranteed.
If your hardware order has not yet shipped, you may be able to remove items from your original order. If the change is approved before shipment, your hardware invoice will be updated and your Toast Easy Pay Loan amount will adjust accordingly. Please contact your Toast Sales Representative or your Toast Onboarding Consultant as soon as possible so we can review your request before your order ships.
If your hardware order has already shipped, partial cancellations are generally not supported.
If your hardware order has not yet shipped, you may be able to add additional items as long as your total order remains within your approved financing amount. Please contact your Toast Sales Representative or your Toast Onboarding Consultant as soon as possible so we can review your request before your order ships.
If your order has already shipped and you would like to add more hardware, please contact your Toast Sales Representative.
Shipping and tax costs will appear on your final hardware invoice after you sign your loan agreement and your hardware order is finalised. Your loan amount will update automatically to include these costs once your hardware order is finalised.
Please note that when you signed up for the Easy Pay International Loan, you agreed to the following terms: “You do not intend to close or cease operating your business, in whole or in part, temporarily or permanently while participating in the Capital Services, and you are in no way contemplating, have not commenced, and do not anticipate, any insolvency or bankruptcy proceeding while participating in the Capital Services.” If you have any more questions, please contact Toast Support.
If you leave the Toast platform, you will no longer be processing card transactions through Toast Payments and Adyen will no longer be able to automatically deduct your daily repayments. Leaving the platform may constitute an Event of Default under the terms of your loan agreement, in which case the full outstanding balance of your Toast Easy Pay Loan may become immediately due and payable. Please contact Toast Support as soon as possible to discuss your options before making any changes to your payment processing arrangements.
Thanks for repaying your Toast Easy Pay Loan balance! At this time, the Toast Easy Pay Loan is offered to help new customers with hardware costs per location. Therefore, you won’t be receiving another Toast Easy Pay Loan offer after repaying your balance. If your restaurant is opening a new location and would like a Toast Easy Pay Loan offer for that new location, please contact your Toast Sales Representative.