Bank statement charge
What is a TST* charge on my bank statement?
Who charged you
A restaurant, bar or cafe that takes payments with Toast
TST* means you paid a restaurant, bar or cafe that uses Toast, a checkout and payment system built for restaurants. The charge is usually a meal, drinks, takeout or a delivery order from the place named after TST*.
How it can show on a statement
TST*TST* [RESTAURANT NAME]TST* [RESTAURANT NAME] [CITY] [STATE]
Find out what it was
- 1
Read the words after TST* and compare them with restaurants, bars and cafes you visited or ordered from.
- 2
Open the transaction in your card app and check the merchant category, city and any logo or location it shows.
- 3
Search your email for an order confirmation or digital receipt with the same amount, especially for takeout.
- 4
Check whether the amount equals a bill plus a tip; a second, smaller line is often a pending hold that will drop off.
- 5
Compare the date with your calendar or photos, since restaurant charges can post a day or two after the meal.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to the business, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “TST*”?
Toast adds the TST* prefix in front of the restaurant's name, and banks cut the name short. Some restaurants register under their company name rather than the name on the menu, so the line can look unfamiliar.
TST does not stand for a transaction status or a test charge: Toast's own list of charge codes shows TST* followed by the restaurant name as a purchase from a Toast restaurant.
Why you might see this charge
- A sit-down meal or bar tab at a restaurant that uses Toast.
- A takeout or online order placed on the restaurant's own ordering page or app.
- A tip added after you signed, which changes the final amount from the one you first saw.
- A pending hold that sits next to the final charge for a few days before it drops off.
- A coffee shop, bakery or food hall stall that uses Toast.
- A restaurant whose legal name differs from the name over the door.
Is TST* legit?
Toast is a large, real restaurant software company and does not sell food itself. A TST* line is a charge from the named restaurant, so the real question is which restaurant it was.
If a text or email that uses the Toast name asks you to confirm a payment or claim a refund through a link, do not use the link: match the charge with your own receipts and card app instead.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| SUMUP | SumUp | SUMUP means you paid a small business that takes cards with a SumUp card reader or payment link. |
| BLUESNAP | BlueSnap | BLUESNAP or BLS* on a statement means an online business took your payment through BlueSnap, a payment company that is… |
| ANE* | Anedot | ANE* means Anedot, a donation platform and payment processor that churches, nonprofits, schools and political… |
| VTSUP.COM | Verotel | VTSUP.COM is the statement name of Verotel, an Amsterdam payment company that bills for thousands of websites, many of… |
| AMEX EPAYMENT ACH PMT | American Express | AMEX EPAYMENT ACH PMT is a payment to an American Express card account, taken from a bank account. |
| TRANSAK | Transak | TRANSAK is Transak, a crypto payments company that sells crypto through the Buy button in wallet apps such as MetaMask… |
| SP * | Shopify | SP * means you bought from a store that runs on Shopify and takes payments through Shopify Payments, online or in… |
| USA* | Cantaloupe (formerly USA Technologies) | USA* and CTLP* are the prefixes of Cantaloupe, formerly USA Technologies, whose card readers sit on vending machines… |
Questions about TST*
What does TST mean on a bank statement?
TST stands for Toast, the payment system many restaurants use. The words after TST* are the restaurant, bar or cafe you paid.
Why is there a second, smaller TST* charge?
It is usually a pending hold for the bill before the tip was added. It drops off within a few days, leaving the final charge with the tip.
Is a TST* charge a test charge?
No. Toast's own list of charge codes shows TST* plus the restaurant name as a real purchase from a restaurant that uses Toast.
What can I do about a TST* charge I did not agree to?
File a complaint on Complain.biz. We write it with you and send it to the business, so you do not have to chase it yourself.
Based on
- Understand Toast Charge Codes on Bank Statements (Toast Support)
- What does TST mean on a credit card? (Quora)