Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 12 companies across 1 category.
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Toast began as a restaurant POS system in 2011 and has evolved into the vertical operating system for restaurants — bundling hardware, software, payments, payroll, lending (Toast Capital), and insurance. It IPO'd in 2021 and now facilitates over $215B in gross payment volume across ~180,000 locations. Its embedded finance strategy layers Toast-branded financial products (Capital, Payroll, Pay Card, Insurance) on top of a self-operated payments facilitator business, with Adyen selected as the strategic global processing partner.
Other PSP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/toast/install" width="1" height="1" alt="" style="display:none">12 companies disclose Toast in their stack in the Embedded Finance Index 2026, including Dazzle Denver, Mattenga’s Pizzeria, Spoken Cafe, Mei Mei, Beach Hut Deli, Bangor Savings Bank, Paris Creperie & Cafe, O’Maddy’s Bar & Grille, Swah-Rey Desserterie, Casa Rio and 2 others.
Toast is an embedded-finance provider in PSP. It ranks #35 of 538 PSP providers by disclosed buyers.
Yes. Toast trades as NYSE:TOST, listed since 2021.
The most-disclosed PSP alternatives to Toast are Stripe (783 buyers), Adyen (278 buyers), PayPal (153 buyers), Checkout.com (113 buyers), Worldpay (89 buyers) and Mollie (64 buyers).
Toast was founded by Steve Fredette, Aman Narang and Jonathan Grimm and is founded in 2011, headquartered in Boston, Massachusetts, United States.
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