The sale went through. The money makes a separate trip. Toast and Lightspeed logged deposit delays on November 5, and the one line I'd tape inside the drawer

What happened

Heads up: at 5:47am ET on November 5, 2026, Toast's status page opened an incident called Deposit Delay. Some restaurants had not received all or part of the card deposit for sales between 10pm ET on November 3 and 10pm ET on November 4. Through the morning Toast said funds would land by end of business, then that deposits should be released by 1:30pm. At 4:02pm ET it marked the incident resolved and told owners to watch their bank statement to confirm the deposit had arrived.

The same afternoon Lightspeed's status page flagged a possible delay for November 4 payouts for a subset of its L-Series and K-Series restaurants. The notice covered several currencies. For US dollar accounts, only urgent payouts were affected and regular payouts were not.

Neither event was large by the processors' own description. Toast rated its incident minor. Both landed on the same Thursday, which is the point: a deposit delay is not a rare event. It's an ordinary one that most owners only meet when it happens to them.

What it means for you

Say you did $3,000 in cards on Tuesday and Thursday's deposit is short. The numbers are made up, the gap is real. Nothing is lost. Four things happened at four different times, and one of them slipped.

The card was approved at the counter. That's the moment the customer sees. The batch closed that night, which is when the day's approvals are bundled and sent. The processor settled it the next business day. The bank posted it once the transfer landed, the same day or the next. Each step belongs to a different system, and each one can run late on its own. A short deposit almost always means one step is late, not that a sale disappeared.

The number worth knowing is how many business days your money normally takes. Toast's own help page is a good example of what that looks like. Batch before 9:30pm ET on a Monday through Thursday and the deposit arrives the next business day. Batch after 9:30pm, which includes the automatic 4am batch, and it takes two business days. Friday, Saturday and Sunday batches land on Monday, or Tuesday if Monday is a federal holiday, and a weekend batch after 9:30pm lands Tuesday. Your processor has its own version of that page. Few people read that page until the day they need it, which is why a late deposit feels like a crisis instead of a check.

This week has one more wrinkle. Wednesday, November 11 is Veterans Day. Banks don't settle on federal holidays, so Tuesday's batch lands a day later than usual, and a Monday batch that closed after 9:30pm slides from Wednesday to Thursday, with no incident on any status page.

If it were my counter

I'd write down my deposit schedule before I ever needed it.

One line, taped inside the drawer: when the batch closes, how many business days the money takes, what happens to Friday. Then a late deposit is a check against a rule, not a panic. If the rule says Thursday and it's Thursday morning, I'd wait for the afternoon. If it's Friday, I'd go looking.

When I go looking, I'd go in this order. The processor's status page first, because if it's their problem they've usually said so, with a time. The bank second, because a deposit marked settled on the processor side can still sit in the bank's queue for a day. The phone third, with the batch date and amount in front of me.

And I'd keep one day of card sales in the operating account as a cushion, because every processor has a day like November 5. The suppliers who get paid Thursday morning don't care whose system ran late.

Approved is not deposited. Any processor should tell you its schedule in plain words, in writing. Us included.