Integrated payment processing designed for restaurants

When payments are processed separately from a POS, end-of-day reconciliation typically involves cross-referencing figures across two systems — a process that adds time and introduces the risk of discrepancies. With Toast Payments, transactions are tied to orders within the same platform, making end-of-day balancing faster and reducing the need for manual checks.

Payment processing fees can vary significantly between providers and are not always straightforward to compare. Toast works with restaurants to agree rates based on their specific setup, with clear breakdowns of transaction fees and markups provided upfront so there are no unexpected charges.

Payment processors handling card data are required to meet PCI DSS (Payment Card Industry Data Security Standard) compliance requirements, which set minimum standards for protecting cardholder information. Toast is a Level 1 PCI-compliant service provider — the highest level of compliance — and uses encryption from the point of payment to help keep guest data secure.

Fraud prevention in payment processing typically involves a combination of hardware standards and software monitoring. Toast hardware supports EMV chip and PIN and NFC contactless payments to reduce card-present fraud risk, and Toast's systems use machine learning to identify and block potentially suspicious transactions, helping to reduce the likelihood of chargebacks.

Modern restaurant payment processing needs to cover the range of ways UK guests prefer to pay, from chip and PIN to contactless and mobile wallets. Toast hardware supports EMV chip cards, NFC contactless payments, and mobile wallet options, so guests can pay in whichever way suits them.

Payment processing pricing is typically tailored to a restaurant's volume and setup. For customised information, please reach out to our experts for a demo and to answer your questions.