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Under 10 Employees? Shop Starter Kit

Instant access
to tips and wages1,2

Now introducing Toast Pay Card and PayOut –
a free and new way to pay your staff.3

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See how you can help
attract great talent

Already a Toast Payroll customer? Add Toast Pay Card and PayOut.

Toast Debit Cards
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Financial flexibility for your staff

Employees can pay bills on time, and avoid late fees, overdraft fees, and high-interest payday loans.

Give your team access to:

  • Instant wages and tips,1 without the fees
  • Transaction history
  • Mastercard debit card
  • Over 37,000 MoneyPass® Network ATMs

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.

Already a Toast Pay Card and PayOut customer?


Help your team get started with educational and onboarding materials - click here!

Give your team access to:

  • Instant wages and tips,1 without the fees
  • Transaction history
  • Mastercard debit card
  • Over 37,000 MoneyPass® Network ATMs

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.

Already a Toast Pay Card and PayOut customer?


Help your team get started with educational and onboarding materials - click here!

Give your team access to:

  • Instant wages and tips,1 without the fees
  • Transaction history
  • Mastercard debit card
  • Over 37,000 MoneyPass® Network ATMs

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.

Already a Toast Pay Card and PayOut customer?


Help your team get started with educational and onboarding materials - click here!

Get paid after every shift1

Take control of your finances, and say goodbye to waiting between pay periods with instant access to a portion of your tips and wages.2

How it works:

  • Tips and wages available for Toast PayOut will appear in-app after your shift1
  • Select the amount of money you want. No cost to use.
  • Spend instantly

You can only access this product through your employer.


Does your employer already offer Toast Pay Card and Toast PayOut?


Download the MyToast app by clicking here

How it works:

  • Tips and wages available for Toast PayOut will appear in-app after your shift1
  • Select the amount of money you want. No cost to use.
  • Spend instantly

You can only access this product through your employer.


Does your employer already offer Toast Pay Card and Toast PayOut?


Download the MyToast app by clicking here

How it works:

  • Tips and wages available for Toast PayOut will appear in-app after your shift1
  • Select the amount of money you want. No cost to use.
  • Spend instantly

You can only access this product through your employer.


Does your employer already offer Toast Pay Card and Toast PayOut?


Download the MyToast app by clicking here

Employer FAQ

We’re working hard to offer the product in all states. Today, Toast Pay Cards and PayOuts are available in the following states:

AK - AL - AR - AZ - CO - CT - DC - DE - FL - GA - IA - ID - IL - IN - KS - KY - MA - MD - ME - MI - MN - MO - MT - NE - NJ - NM - OH - OK - OR - PA - RI - SC - TX - UT - VA - WA - WI - WV - WY.

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.* Toast PayOut has no impact on your payroll process and provides you with access to a 0% line of credit that you can use to fund Toast PayOuts.3

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.


Employee FAQ

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.

A feature of the Toast Pay Card that gives you instant access to a portion of your earned tips and wages.1,2 You can access Toast PayOuts in the MyToast app.

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 an 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.

Offer your staff the benefit
of instant pay2

If you're not in an eligible state, secure a spot on the waitlist and we'll reach out once the program is available in your state.

You must have Javascript enabled in order to submit forms on our website. If you'd like to contact Toast please call us at:

(857) 301-6002
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Just so you know, we’ll handle your info according to our privacy statement.

Toast Pay Card and PayOut may not be available in some jurisdictions.

Toast Pay Cards are issued by Sutton Bank, Member FDIC, pursuant to license by Mastercard. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard. Toast Pay Card and PayOut are available to Toast Payroll customers only. Toast PayOut is a service mark of Toast, Inc. All rights reserved. Terms and conditions apply. See cardholder agreement for details.

  1. 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.

  2. 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 their Toast Pay Card as though they were receiving them in cash. Wages will be advanced to employees during the pay period and deducted from their total wages paid to them on payday. Toast reserves the right to change or discontinue this program at any time.

  3. 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.

  4. Terms and conditions apply. See your Program Participation Agreement for details.

  5. 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. See your Cardholder Agreement for details.