Run Your Restaurant Efficiently
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Under 10 Employees? Shop Starter Kit
Now introducing Toast Pay Card and PayOut –
a free and new way to pay your staff.
See how you can help
attract great talent
Already a Toast Payroll customer? Add Toast Pay Card and PayOut.
Lines of credit may now be provided by either WebBank or Toast, Inc. as set forth in the employer's Credit Agreement.
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, MS, NH, NV, NY, NC, ND, SD, TN, UT, VT.
If you are in a state that is not currently eligible, you can sign up for the product today and we’ll alert you when your state becomes eligible in the coming months.
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 that they can comply.
There's no additional cost to you and your staff, and no third-party fees when used at over 37,000 ATMs within the MoneyPass® Network.3 The Toast PayOut feature has no impact on your payroll process. Toast PayOuts are funded by a 0% line of credit provided to Toast restaurants by Toast, Inc. or WebBank, as set forth in your Credit Agreement.
Yes, at this time your restaurant must be using Toast Payroll & Team Management.
Toast Pay Cards are issued by Sutton Bank, Member FDIC, pursuant to license by Mastercard, and are accepted everywhere Mastercard is accepted.
As a restaurant operator, there is no change to your weekly payroll process with Toast Pay Card and PayOut.
Toast PayOuts are funded by a 0% line of credit provided to you by Toast, Inc or WebBank, as set forth in your Credit Agreement. 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.
Toast PayOuts are accessible instantly after an employee finishes their shift. 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. When we give your team access to Toast PayOuts, we do it for everyone who elects to receive funds on the Toast Pay Card.
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 other bank accounts.5
Employees can use and access their funds by spending on the Toast Pay Card or withdrawing from ATMs until the funds are depleted. They will continue to have access to the MyToast app, however Toast PayOuts will be disabled. Employees can also obtain the remaining funds by requesting to receive them via paper check. It can take up to 30 days for an employee to receive their paper check of the remaining balance.
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 non-cash earnings.
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, which includes an activation video on how to log in and order the card.
A prepaid Mastercard debit card that gives you access to wages without a bank account. It is an alternative to paper checks or direct deposit.
There is no cost to you to use Toast PayOuts. Toast Pay Cards do not have any associated ATM withdrawal or other fees and no third-party fees apply when used at over 37,000 ATMs within the MoneyPass® Network.*2
*MoneyPass is a registered trademark of Fiserv, Inc.
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.
Toast PayOuts are 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 pay day.
Anywhere Mastercard is accepted.
Signing up for Toast Pay Card and Toast PayOut doesn’t require a bank account.
The card comes with a routing and account number so you can pay your bills online. You can also pay using the 16 digit number on the back of your card. We offer two free transfers per month so that you can move your money directly to a bank account.5
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.5
Yes! We’re excited to announce that you now have the ability to transfer funds for free directly to your bank accounts two times per calendar month. It is not possible to exceed that limit, even for a fee.5
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.
Just so you know, we’ll handle your info according to our privacy statement.
Toast Pay Cards are issued by Sutton Bank, Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Toast PayOuts are funded by a 0% line of credit issued to employers by Toast, Inc. or WebBank, as set forth in the employer’s Credit Agreement. Toast and WebBank reserve the right to change or discontinue this program at any time.
Access is typically available instantly after the employee's shift; however, if restaurants tip pool 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.
Toast PayOuts are limited to a portion of wages and tips to help account for estimated taxes, withholdings, and deductions. Tip PayOuts are not available at restaurants that tip pool without using Toast Tips Manager. Employees must receive wages via the Toast Pay Card in order to access Toast PayOuts. Tips will be paid to employees on the Toast Pay Card as though they were receiving them in cash. Wages will be advanced by employers during the pay period and deducted from their total wages paid to them on payday.
Toast Pay Cards do 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. MoneyPass is a registered trademark of Fiserv, Inc.
The Lender on the line of credit is Toast, Inc. or WebBank, as set forth in your Credit Agreement.
Fees charged by the receiving financial institution are uncommon but may apply. Employees will receive 2 free transfers per calendar month. It is not possible to exceed that limit, even for a fee. Employees cannot schedule transfers for future dates. There is a limit of $2,500 per transaction, $5,000 per day, and $5,500 per month. Limits are subject to change. Employees should see their Cardholder Agreement for details.
