What Is the TST* Charge on My Bank Statement?

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

1. Look at the restaurant name after TST* on your statement and think back to any dining out around that date.
2. Check your email for a digital receipt from Toast — they send receipts automatically if you provided an email at the register.
3. If you used a delivery service like DoorDash or Uber Eats, those charges appear separately under the delivery service name — not TST*.
4. Contact the restaurant directly if the amount seems incorrect.
5. 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.

What Is a TST* Charge?

TST* is the merchant charge descriptor used by Toast, a point-of-sale and payment processing platform built specifically for restaurants. If you see TST* on your bank or credit card statement, the restaurant name that follows it is where you dined — Toast is simply the payment system the restaurant uses to process card payments. TST* charges are extremely common because Toast is one of the most widely adopted restaurant payment platforms in the United States.

Thousands of independent restaurants, bars, cafés, and food service businesses across the country use Toast as their point-of-sale system. If you dine out regularly, TST* charges will appear on your statement often.

How to Identify the Restaurant Behind a TST* Charge

The restaurant name follows immediately after TST*. For example, TST* HARBOR GRILL is a charge from a restaurant called Harbor Grill processed through Toast. TST* MAIN ST PIZZA is a charge from a pizza restaurant on Main Street. In most cases the restaurant name is recognizable if you recall where you dined around the date of the charge.

Toast sends digital receipts by email or text for every transaction if you provided contact information at the time of payment. Check your inbox or messages for a Toast receipt matching the date and amount. You can also contact Toast support at toasttab.com if you need help identifying a specific transaction.

I Don’t Recognize a TST* Charge — What Should I Do?

Start by checking your recent dining history for any restaurant visits that match the amount and date of the charge. Tips are included in the final TST* charge amount, so the total may be slightly higher than the food and drink subtotal you remember. Check your email for a digital receipt from Toast.

If you still cannot identify the restaurant, contact Toast support at toasttab.com — they can identify the merchant behind any transaction. If the charge is confirmed as unauthorized, contact your card issuer to dispute it.

Frequently Asked Questions

Why does my restaurant charge show as TST* instead of the restaurant name?

TST* is Toast’s payment processor prefix. All restaurants using Toast as their point-of-sale system will appear with the TST* prefix on your statement followed by the restaurant name. This is identical to how Square charges appear as SQ* — the prefix identifies the payment processor, not the merchant.

Does the TST* charge include my tip?

Yes — the final TST* charge on your statement includes both your food and drink total and any tip you added at the time of payment. If you added a tip on the receipt after the initial card swipe, the final charge may appear slightly later than the original authorization hold.

Can I get a refund for a TST* charge?

Refunds for TST* charges must be processed by the restaurant directly. Contact the restaurant and request a refund — they can issue it through their Toast system and it will appear back on your card within 3–5 business days. If the charge is unauthorized, file a dispute with your card issuer.