TST* charge on your card: what it is and how to identify it
TST* and a name is a restaurant that takes payments with Toast. Toast's list of the other codes on a bank statement, and what to do if you can't place one.
Checked November 8, 2026
How Toast charges show on a statement
| On your statement | What it is |
|---|---|
TST*Restaurant Name | A purchase from a restaurant that uses Toast |
TOAST, INC. / ST-TOAST | Software, hardware and Toast Shop fees |
DEP / DEPOSIT | Toast Shop deposits and sales deposits |
CITIZENS / NET SETTLEMENT / TOAST DEP [MONTH DD] [DEPOSIT ID] [MERCHANT NAME] | Card sales deposits, chargebacks, rekeys, refunds and payouts |
CCD | Card sales deposits, card fees, chargebacks, software fees and hardware fees |
CHB / TOAST/CBW MMM-DD | Chargebacks, including successful chargeback challenges |
TOAST PAYROLL (formerly STRATEGY EXECUTION) | Payroll deductions and payment activity |
Toast, INC VEN ACH CREDIT | ACH credit and debit transactions |
REF MM DD | Refunds |
TSC | Toast Cash stored value charges |
Find the Toast purchase: if it's TST* and a name
- Read the name after TST* on your statement: it is the restaurant that took the payment.
- Match the amount and the date to a meal, a pickup or a delivery order.
Find the Toast purchase: if you run a restaurant on Toast
- Find the code in the description or memo line of the bank statement, and look it up in Toast's list for the type of transaction.
- Open the matching report in Toast, such as Billing & Invoicing, Chargebacks Report or Processing Statements.
- Look for a transaction or invoice with the same amount and a date near the statement date. Search a window of five to seven days, since the posting date can differ.
Find the Toast purchase: if you still can't identify it
- Contact Toast Customer Care at (617) 682-0225.
- Give the charge code as shown, the date and amount, the name of the account or merchant, and screenshots of the statement charge and of the Toast report you searched.
Other things Toast says it can be
- Toast's page is written for restaurants, so most of its codes are for money moving on a restaurant's account, not what a diner pays.
When to go to your card company
If nothing in your Toast account, or the account of anyone who uses your card, matches the date and amount, or Toast won't fix a charge that's wrong, contact the bank or card company that issued the card. Credit and debit cards have different rights and deadlines: the guide to disputing a charge has both side by side.
Questions people ask
What is TST* on my credit card statement?
Toast's help page lists TST*Restaurant Name as a purchase from a Toast restaurant. The restaurant's name follows the asterisk.
Is TST* a fee Toast charges me?
Toast's list doesn't describe it that way. It shows TST*Restaurant Name as a purchase from a restaurant, and lists fees under other codes like TOAST, INC.
What do CHB, REF and DEP mean?
On Toast's list, CHB is a chargeback, REF is a refund, and DEP or DEPOSIT is a Toast Shop or sales deposit. These show on a restaurant's bank statement.
Who do I call about a Toast charge?
Toast's page gives Customer Care at (617) 682-0225. Have the code, the date and amount, and a screenshot of the charge ready.
What if I don't recognize the restaurant?
Ask anyone who uses your card, then contact your card company. The dispute guide has the deadlines.
Sources
1 source · read November 8, 2026
Every number on this page comes from support.toasttab.com. If a source has changed since, the source is right.
Wonderful gives general information. It isn't a financial or tax advisor.