Turn today’s card sales into instant cash flow
With instant deposit, today’s sales become today’s cash in seconds, so you can pay staff or bills without waiting for the next business day — even on weekends and holidays.
Add instant deposit
Already a Toast customer?
Cash when your business needs it
Deposits in seconds
With instant deposit, funds land in your account within seconds.1
Accessible year-round
Weekends or holidays? It makes no difference. Gain access to your funds every day of the year, not just when banks are open.
Deposit funds your way
Choose where your instant deposits land: your debit card, Toast Checking account, or another linked bank account, so cash is available where you need it.2
Never miss a payment
Use instant deposit to make sure cash is in your account before payroll, rent, or other must-pay bills hit.
Set-it-and-forget-it with scheduled deposits
Schedule instant deposits ahead of recurring payments like payroll or vendor bills, so cash is always at the ready.
Request instant deposits on the go
Instant deposit is accessible in the Toast Now mobile app, letting you send funds to your bank wherever you are.
A clear record for reconciliation
Track every instant deposit on your homepage and reconciliation report for easier payout matching and cleaner books.
Built into your current workflow
Request deposits without leaving Toast
Initiate instant deposits right from your Toast dashboard or Toast Now mobile app instead of logging into a separate payout portal.
Fits into your nightly closing routines
Add instant deposit to your end-of-day routine, so closed-card sales can turn into same-day cash.
Works seamlessly with Toast Checking
Send instant deposit funds straight to Toast Checking to immediately apply them to Jars, payroll, and other key expenses from your operating account.
Move money fast from your phone
Use the Toast Now app to access instant deposit from your phone so you can move money fast, even when you’re not on-site.
Be ready for everyday and unexpected costs
Cover everyday bills and payroll: Get faster access to your card sales, so you can cover payroll, suppliers, and recurring expenses between standard deposit cycles.
Handle urgent repairs or big orders: Move funds in seconds when you need to replace equipment, stock up on inventory, or deal with the unexpected.
Get full control with no commitment: No subscription or long-term commitment — use instant deposit when it makes sense for your business.
Frequently asked questions
With instant deposit, your restaurant’s card transactions (excluding American Express Direct transactions) will be deposited to your restaurant’s eligible bank account typically within a few seconds (may take up to 30 minutes in rare cases). In rare cases, they could be delayed by things like service interruptions of third parties outside of Toast's control. If you do not see your funds in your bank after 30 minutes, contact Toast Customer Care. You will receive an email once the transaction has been successfully sent.
Ready to turn today’s salesinto cash?
With instant deposit, your restaurant’s card transactions (excluding American Express Direct transactions) will be deposited to your restaurant’s eligible bank account typically within a few seconds (may take up to 30 minutes in rare cases).
The maximum total amount you can instant deposit in a day is $10,000, with a maximum of 4 instant deposit transactions per user in a 24 hour period when depositing directly to a card. If you are new to instant deposit, or if you add a new debit card, the maximum daily transaction amount will initially be limited to $2,500, and will increase as you continue to use instant deposit up to the $10,000 maximum. You may not make an instant deposit request for less than the available amount presented to you at the time. Each instant deposit transaction must be for the full available amount only (subject to applicable limits). This amount will be deducted from your ordinary settlement payout. The minimum amount for an instant deposit transaction is $25. Additional limits may apply as set by the bank that issues your debit card, including limits on the number of instant deposits you can initiate on a given calendar day.
Toast Capital Loans are issued by WebBank. Loans are subject to credit approval and may not be available to borrowers in certain jurisdictions. WebBank reserves the right to change or discontinue this program without notice.
Based on Toast internal data from 1/1/24 to 10/31/24 among restaurants using Toast Payroll. Individual results will vary.
Only purchase transactions processed through the Mastercard network are eligible for cash back rewards. Ineligible transactions include transactions that are not processed through the Mastercard network, cash withdrawals, peer-to-peer debit transactions, refunds, or any transaction that is not consistent with lawful use of your Toast Checking Account. We reserve the right to modify or terminate this rewards program at any time.
Toast is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of the insured bank. Certain conditions apply to the pass-through insurance coverage.