What Is the TST* Charge on My Bank Statement?
Paste the exact charge descriptor from your bank or credit card statement. We'll identify the merchant, explain the charge in plain English, and tell you what to do if you don't recognize it.
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What Is the TST* Charge on My Bank Statement?
TST* is the payment prefix for Toast, a point-of-sale system used by tens of thousands of restaurants across the United States. If you see TST* on your bank or credit card statement, the charge is from a restaurant that uses Toast to process payments. The name of the restaurant appears after TST* on your statement.
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How to Identify the Restaurant Behind a TST* Charge
The restaurant name follows TST* on your statement. For example, TST* HARBOR GRILL is a charge from a restaurant called Harbor Grill. TST* MAIN STREET PIZZA is a charge from Main Street Pizza. Think back to any restaurants you visited around the date of the charge — the name on your statement should match.
Why Do Restaurants Use Toast?
Toast is one of the leading restaurant point-of-sale platforms in the United States, used by everything from independent neighborhood restaurants to regional chains. It processes payments, manages orders, and handles online ordering. Because Toast is so widely adopted, TST* is one of the most commonly seen payment prefixes on bank statements for anyone who dines out regularly.
What to Do If You Don’t Recognize a TST* Charge
- Look at the restaurant name after TST* on your statement and think back to any dining out around that date.
- Check your email for a digital receipt from Toast — they send receipts automatically if you provided an email at the register.
- If you used a delivery service like DoorDash or Uber Eats, those charges appear separately under the delivery service name — not TST*.
- Contact the restaurant directly if the amount seems incorrect.
- If you cannot identify the restaurant and do not recognize the charge, contact your card issuer and dispute it.
Frequently Asked Questions
Is TST* a legitimate charge?
Yes. TST* is the official payment prefix for Toast POS. It is a normal restaurant charge.
Does TST* appear for online orders too?
Yes. If a restaurant uses Toast for online ordering, the charge will also appear as TST* on your statement.
Why is the TST* charge different from what I expected to pay?
The final charge may differ from your verbal total if a tip was added after the fact, if you authorized a tip on a paper slip, or if there was a service charge applied to the bill. Check the restaurant’s digital receipt for a full breakdown.
Can I get an itemized receipt for a TST* charge?
Yes. Toast sends digital receipts if you provided an email. You can also contact the restaurant directly and ask for a copy of your itemized receipt.
Use our free Merchant Charge Decoder to identify any other unfamiliar charges on your statement.
DecoderAtlas provides general information only. Always verify unrecognized charges directly with your bank or card issuer. Not financial or legal advice. — Full disclaimer