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Get money faster with Toast Debit Cards

Toast is excited to introduce access to two debit card products to help you improve your cash flow and manage your payroll.

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Toast Pay Card and Toast Restaurant Card are expected to launch in late fall 2021. Details and timelines are subject to change.

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Toast Debit Cards
Toast Debit Cards
Toast Debit Cards

Financial Flexibility for Your
Business and Your Employees

Get instant1 access to your sales and pay your employees after every shift

Toast Pay Card is available within the MyToast app.

Gives restaurant staff access to:

  • Wages and Tip
  • Track Timesheets
  • Access Pay Early
  • Review Pay History
  • Improve Security
  • Predictable Wage Access
  • Free withdrawals at 37,000 ATMs
  • Use card anywhere Mastercard is accepted with contactless technology for faster checkouts

Instant access to your sales

Receive your daily deposit almost instantly (typically within an hour), 365 days a year. No more waiting for bank transfers. No sign up fees, monthly fees, or hidden fees.2

Rewards network built for restaurants

Take advantage of rewards that matter, including cash back and discounts from premium national and regional vendors.

Single partner for all your restaurant needs

Simplify life by managing your restaurant's data in an all-in-one platform, designed to be compatible with your Toast POS.

Simplify operations with paper check replacement

Reduce your overhead and eliminate paper checks. Streamline your existing payroll processes by providing employees with Toast Pay Cards.

Instant access to Tips and Wages for Employees3

Help your team prepare for the unexpected and improve their financial security. Grant employees access to a portion of their earned tips and pay after each shift with Toast PayOut3

No hidden fees and nationwide ATM network

No hidden fees for you or your employees. Access fee free cash withdrawals from 37,000 MoneyPass® ATMs nationwide4. Employees can easily locate a MoneyPass ATM within MyToast app.

1. Access to funds is typically no greater than one hour after instantly loaded to card.

2. ATM provider fees apply

Pay Card Disclosures:

3. Employees may use Toast PayOut to receive a portion of their earned wages and tips onto Toast Pay Cards typically within a few minutes after their shift. Toast PayOuts are funded by employers via a business line of credit offered by Toast. Terms and conditions apply. Early tip access is provided through Toast PayOut as though employees are receiving cash tips when earned. Early wage access is provided through a wage advance to employees that employers will recoup on payday through wage deduction. References to tips are only applicable if your restaurant uses Toast Tips Manager, or pays out raw tips without tip pooling. Toast PayOuts may not be available in all jurisdictions.

4. Surcharge free ATMs are located within the MoneyPass® network, Toast Pay Cards do not have any associated ATM withdrawal fees; however, third-party ATM operators may charge a fee unless cardholder uses a MoneyPass ATM.

Toast Debit Cards are issued by Sutton Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Toast Pay Card and Toast Restaurant Card are expected to launch in late fall 2021. Terms and conditions apply. Details and timelines are subject to change. "MyToast" and "Toast PayOut" are service marks of Toast, Inc.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

MyToast app will be available in the Apple Store and Google Play store when the Pay Card is generally available. Early access available to pilot participants through invitation.