What this variant means
Toast Tab — the pay-at-table product line.
TST* means the charge came through Toast, the point-of-sale system used by tens of thousands of restaurants. The name after TST* is the restaurant itself.
Why it shows up like this
Toast runs the ordering and payment systems for restaurants, cafes, and bars, so its prefix rides along on every card it processes. Like Square's SQ *, the restaurant's name gets truncated to fit the descriptor field, and online orders through a restaurant's website often route through Toast too. Keeping close track of your monthly statements ensures complete financial security and prevents unexpected surprises from recurring charges.
Don’t recognize it? You might still
Toast point-of-sale devices are ubiquitous in food service, meaning a TST* charge almost certainly corresponds to a recent dining, takeout, or bar bill.
- The final charge can post days after you ate, and for a different amount than the pre-tip authorization.
- The restaurant's legal name may not match its storefront name — TST* HG HOLDINGS could be your neighborhood pizza place.
- Online pickup orders placed through a restaurant's own site frequently bill as TST*.
What to do, in order
Follow these recommendations to match the restaurant charge with your dining activity before disputing with your card issuer.
- Match the amount, not just the name Restaurant charges post with tip included, so look for a recent meal roughly 15–25% above a number you remember.
- Search your email for the restaurant Toast emails receipts when you order online or tap your card on their handhelds. Search for 'toasttab'.
- Call the restaurant before the bank Restaurants can look up a charge by card number and date, and will usually refund honest mistakes (double-charges, wrong tabs) on the spot.
Quick questions
Common questions regarding Toast POS restaurant descriptors, authorization holds, and gratuity adjustments.
What does TST mean on a bank statement?
On a bank statement, TST stands for Toast, a point-of-sale and payment processing platform widely used by restaurants, bars, bakeries, and cafes. The text following TST* indicates the specific dining establishment where the transaction took place.
Why is the amount different from what I signed?
The initial hold is the pre-tip total. When the restaurant closes out the tab, the final amount with tip replaces it — which is why the posted charge rarely matches the pending one.
I see two TST* charges for one meal. Am I being double-billed?
Usually one is the expiring authorization hold and one is the posted charge. If both post as final transactions with the same amount, that's a genuine double-charge — the restaurant can reverse it.
What other sites get wrong
Some AI-based decoder sites read TST* as a company name — one popular decoder labels it a newspaper subscription and even quotes made-up monthly prices. That's not what it is: TST* is a payment-rail token. Toast, Inc. is a point-of-sale company, not a publisher, and TST* always resolves to the restaurant listed after the asterisk.
When a lookup result tells you TST* means anything other than a restaurant or cafe payment, check the amount against recent meals before believing it — and prefer sources that name Toast itself.
Frequently asked questions
Is TOASTTAB the same as TST* RIVERSIDE DINER?
Yes — Toast Tab — the pay-at-table product line. It posts for the same merchant, so the steps above apply to it too.
The original descriptor
This line is a variant of TST* RIVERSIDE DINER — read the full entry for confirmation steps, support contacts, and everything else that applies here.
Part of a family
TST* RIVERSIDE DINER is one of the TST* charges and Wells Fargo statement codes lines — see the whole family decoded.
Independent reference — not affiliated with Toast, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Toast — support portal https://support.toasttab.com
- Toast — receipt portal https://www.toasttab.com
Reviewed Aug 4, 2026 · high · About UnknownCharges