Toast Pay Card and Payout

We’re working hard to offer the product in all states. Today, Toast Pay Card and PayOut is available in all states except:

CA, HI, KS, MS, NH, NV, NY, NC, ND, SD, TN, UT, VT. 

If you are in a state that is not currently eligible, keep an eye on this page for updates.

If you have restaurants in multiple states, they all must be in states that are currently eligible.

States may have laws related to offering pay cards as a form of payroll disbursement and earned wage advances. Employers should become familiar with any laws applicable to them so they can comply.

Yes, at this time your restaurant must be using Toast Payroll & Team Management.

Toast Pay Card is issued by Sutton Bank, Member FDIC, pursuant to license by Mastercard. Toast Pay Card is accepted everywhere Mastercard is accepted in the United States.

As a restaurant operator, there is no change to your payroll process with Toast Pay Card and PayOut.

Toast PayOuts are funded by a 0% line of credit provided to you by Toast, Inc. Each pay cycle, funds from the line of credit will go toward paying out tips and wages accessed early via Toast PayOut. On payday, amounts funded by the line of credit will be collected at the same time that payroll funds are collected through Toast Payroll.

Click here to learn more about the line of credit.

Toast PayOuts are accessible instantly after an employee finishes their shift if you choose to make them available, subject to limitations. If a restaurant tip pools using Toast Tips Manager, Toast PayOuts of tips are available after the tip pool is approved and sent to Toast Payroll, typically the next calendar day.

Yes, all your non-salaried employees ages 18 or older would qualify for Toast Pay Card and (if you offer it) PayOut. We do not offer employers the option to control each employee’s individual access or eligibility for the program. Employees who qualify for the program may choose, but are not required, to use Toast Pay Card as a payment option.

At this time employees will not be able to split their paycheck between Toast Pay Card and another bank account. They can transfer funds 2x per month for free from their Toast Pay Card account to external bank accounts.⁴

Employees will continue to have access to the MyToast app, but Toast PayOut will be disabled. Employees can access their funds by spending on the Toast Pay Card, withdrawing from ATMs, or making over-the-counter withdrawals until their funds are depleted. Please see Employee FAQ for additional ways to access funds on the Toast Pay Card.

If you tip pool: employees can receive non-cash tips on demand once you or your manager approves the pool through Toast Tips Manager if you are using both Toast Payroll and Team Management and Toast Tips Manager products.

If you do not tip pool: ensure tips are being synced to Toast Payroll and Team Management. We will offer employees a portion of any tips that are under a non-cash earnings code.

Confirm here if you have limited employee access to Toast PayOuts for tips on the Pay Card setting page on Toast Payroll.

We’ll send you materials to share with your employees. You can find a helpful toolkit here.

Your employees can find step-by-step onboarding information here.

A prepaid Mastercard debit card that can give you access to a portion of tips and wages without a bank account. It is an alternative to paper checks or direct deposit.

A feature of the Toast Pay Card that may be made available by your employer that gives you instant access to a portion of your earned tips and wages on your Toast Pay Card.¹, ² Speak with your employer about the availability of Toast PayOuts specific to your restaurant.

There is no cost to you to use Toast PayOut. Toast Pay Card does not have any associated ATM withdrawal or other fees; 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.

If you are a non-salaried employee of a restaurant that offers Toast Pay Card and PayOut, and you are 18 or older, then you qualify for the product. You won’t have to provide personal information like your social security number to apply for the Toast Pay Card and there is no credit check. Talk to your employer or GM to see if they offer the program.

Speak with your employer about the availability of Toast PayOuts specific to your restaurant. By default, Toast PayOut is limited to a portion of wages and tips to help account for estimated taxes, withholdings, and deductions.

Any portion of your paycheck that has not been withdrawn with Toast PayOut will be deposited to your Toast Pay Card on payday.

Anywhere Mastercard is accepted in the United States.

Signing up for Toast Pay Card and Toast PayOut doesn’t require a bank account.

You can provide your Toast Pay Card’s routing and account number to third parties (e.g., your cell phone provider) to pay bills

At this time you will not be able to split your paycheck between Toast Pay Card and another bank account. If you need to transfer money into a bank account, we recommend that you take advantage of the two free fund transfers per month, found in your MyToast app.⁴

Yes! You can transfer funds for free directly to a bank account two times per calendar month. It is not possible to exceed that limit, even for a fee.⁴

The Toast Pay Card includes a range of benefits including free ATM access,3 Mastercard® ID Theft Protection, Extended Warranty, Price Protection, and Mastercard Airport Concierge™. See the Guide to Benefits in the MyToast app for a full list of card benefits with details about how to redeem and use. To receive the benefits, register your card here.

You can cancel any time by calling the support phone number listed in the app or on your card. You’ll want to update your pay preference in Toast Payroll.

Toast Pay Card users can contact 866-218-6688 for customer support.