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Instant access
to tips and wages1

Now introducing Toast Pay Card and PayOut –
a free and new way to pay your staff.2

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See how you can help
attract great talent

Already a 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, 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. 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, 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. 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, 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. 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 shift

Take control of your finances, and say goodbye to waiting between pay periods with instant access to a portion of your tips and wages.1

How it works:

  • Tips and wages available for Toast PayOut will appear in-app after your shift.
  • 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 shift.
  • 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 shift.
  • 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

There’s no cost to you, and Toast PayOuts are funded by a 0% line of credit provided to you by Toast, and limited to a portion of wages and tips to help account for estimated taxes, withholdings, and deductions.1

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.

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 - DC - DE - FL - GA - IA - ID - IL - IN - KS - KY - MA - MD - ME - MI - MO - MT - NJ - NM - OH - OK - OR - PA - RI - TX - UT - 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.


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 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 pay

Secure a spot on the waitlist2

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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Toast Pay Card and PayOut is expected to be available in early 2022. Details and timelines are subject to change.

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.

  1. Toast PayOuts are limited to a portion of wages and tips to help account for estimated taxes, withholdings, and deductions, and are funded by a 0% line of credit made available to employers by Toast, Inc. Terms and conditions apply. 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. Toast Pay Card and PayOut is not available in all jurisdictions and is available to Toast Payroll customers only. See here for more details.

  2. 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. MoneyPass is a registered trademark of Fiserv, Inc.

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