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Visa/Mastercard/Discover/American Express or Visa/Mastercard/Discover

The transactions in the Settled Totals table are further broken down in the tables that appear below it. The tables you see depend on whether you are an Amex OptBlue customer or an Amex Direct customer:

  • If you are an Amex OptBlue customer, you see a Visa/Mastercard/Discover/American Express table that provides more details on the transactions for all four credit card types.

  • If you are an Amex Direct customer, you see a Visa/Mastercard/Discover table that provides more details on Visa, Mastercard, and Discover transactions and a separate American Express table for the American Express transactions.

This section describes the Visa/Mastercard/Discover American Express or Visa/Mastercard/Discover table. See American Express for details on the American Express table.

Column Description

Location

The restaurant location.

Type

The type of credit card transaction. Options include:

  • V/MC/D

  • V/MC/D (Keyed)

  • Amex (OptBlue customers only)

  • Amex (Keyed) (OptBlue customers only)

Rate

The contracted rate for this type of transaction at the associated location.

For interchange plus rates, this is defined as Cost + x.xx% + $x.xx, where:

  • Cost includes interchange fees, network fees, and monthly fees

  • x.xx% is the percentage portion of Toast's processing fee (for example, 0.10%)

  • $x.xx is the dollar value portion of Toast's processing fee (for example, $0.10)

Note

Selecting an interchange plus rate's link redirects you to the Cost Breakdown report.

For flat rates, this is defined as x.xx% + $x.xx, where:

  • x.xx% is the percentage portion of Toast's processing fee (for example, 0.10%)

  • $x.xx is the dollar value portion of Toast's processing fee (for example, $0.10)

Payments

This column has two values:

  • The number of payments made for credit card transactions of this type at the associated location during the time period selected.

  • The dollar value of those payments.

Refunds

This column has two values:

  • The number of refunds given on credit card transactions of this type at the location during the time period selected.

  • The dollar value of those refunds.

Fees Collected

A breakdown, by credit card transaction type, of the Fees Collected displayed in the Settled Totals table.

Estimated Fees

Daily billed customers:

Daily billed customers do not see this column.

Monthly billed customers:

Monthly billed interchange plus customers see the Estimated Fees column when viewing a partial month but, because its contents apply to flat rate customers only, it does not contain any data. This column will be removed for interchange plus customers at a later date.

V/MC/D Net (Dep)

Amex Direct customers:

Deposits for this type of transaction (V/MC/D or V/MC/D (Keyed)) at the associated location during the selected time period. This column is only shown for monthly billed customers.

Note that the sum of the rows in the V/MC/D (Dep) column in the Visa/Mastercard/Discover table are greater than the value shown in the V/MC/D (Dep) column of the Settled Totals table because the V/MC/D (Dep) column in the Visa/Mastercard/Discover table does not include deductions for network or monthly fees while the column in the Settled Totals table does.

Amex OptBlue customers:

Amex OptBlue customers do not see the V/MC/D Net (Dep) column in this table. They see the Net Deposits column instead.

Net Deposits

Amex Direct customers:

Amex Direct customers do not see the Net Deposits column in this table. They see the V/MC/D Net (Dep) column instead.

Amex OptBlue customers:

Deposits for this type of transaction (V/MC/D, V/MC/D (Keyed), Amex, or Amex (Keyed)) at the associated location during the selected time period. This column is only shown for monthly billed customers.

Note that the sum of the rows in the Net Deposits column in the Visa/Mastercard/Discover/American Express table are greater than the value shown in the Net Deposits column of the Settled Totals table because the Net Deposits column in the Visa/Mastercard/Discover/American Express table does not include deductions for network or monthly fees while the column in the Settled Totals table does.