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The Adjustments table shows any adjustments made to interchange and network fees.

Row Computation and Description

Interchange Fee Adjustment

Interchange fee adjustments only appear for Toast customers that use daily billing. For daily billing customers, Toast estimates the interchange fees at the end of each day. At the end of each month, Toast calculates the difference between the estimated interchange fees and the actual interchange fees and displays this value as the interchange fee adjustment for that month. For example, during the month of October, your estimated interchange fees for VISA transactions totaled $200 while actual fees were $205. When viewing the Cost Breakdown report for the month of October, you see $5 in the Interchange Fee Adjustment row of the Adjustments table for VISA.

Monthly customers will never see an interchange fee adjustment because Toast doesn't bill a monthly customer until the end of the month, at which point the actual interchange fees are available from the networks.

Network Fee Adjustment

At the end of each month, Toast bills your restaurant for credit card processing fees, based on information provided by the banks, issuers, and credit card networks. Occasionally, fee adjustments are sent to Toast after the end of a month. These adjustments appear in the following month's Cost Breakdown report in the Adjustments section for each credit card type. For example, Toast receives a network fee adjustment from VISA for the month of September. This fee adjustment appears in the Cost Breakdown report for the month of October, in the Network Fee Adjustment row of the Adjustments table.