Breaking Down Toast's Payment Processing Fees
We know every dollar is hard-earned in the restaurant industry. Now more than ever it is important for us to be transparent with you about where payment processing fees go when a customer pays for their order.

Payment Types
One important category that impacts payment processing fees is whether the transaction itself is a card-present or card-not-present transaction.
Card-present (CP) transactions
A card-present (“CP”) transaction occurs when payment details are captured in-person at the time of the sale via a successful swipe, dip, or tap.
Card-not-present (CNP) transactions
A card-not-present (“CNP”) transaction occurs when a cardholder and their card are not physically present at the time of sale and/or the card information needs to be “typed-into” a card reader. Common types of CNP transactions include orders placed online or via phone.
The processing costs for card-not-present transactions are higher than for card-present transactions due to the higher risk of fraud.
Understanding the processing fees
Toast’s Payment Processing Pricing Options
Our goal at Toast is to provide our customers with a clear and transparent payment processing rate ー no hidden fees, no bait and switch, no unexplained rate hikes; what you see in your quote is exactly what you'll get. We’ll work with you to build a custom rate specific to the characteristics of your restaurant.
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