Charge Explainer
§ 01 · DESCRIPTOR

What is TST* JOES PIZZA on your bank statement?

Here's what this charge most likely is, grounded in our prefix dictionary and what the descriptor itself contains.

Medium

This appears to be a charge from a pizza restaurant called Joe's Pizza, processed through the Toast point-of-sale system.

Most likely: Joe's Pizza
a pizza restaurant
Processed by: Toast
Toast is a point-of-sale and payments platform widely used by restaurants and bars. When you see TST* on a statement, Toast processed the payment on behalf of the restaurant — the restaurant itself is the merchant.
Category
Dining & Restaurants

Doesn't look right? Things you could check:

  • Check for a receiptToast typically sends an email or SMS receipt at the time of purchase, which would confirm the restaurant's full name and location.
  • Search locally"Joe's Pizza" is a common restaurant name — searching for it in your area may help identify which specific location this charge came from.
  • Review recent diningThink back to any recent pizza or restaurant visits around the date of this charge to see if it matches a meal you remember.
WHAT THE DESCRIPTOR TELLS US

Toast is a point-of-sale system used by restaurants and bars. The name after TST* is the restaurant where the charge was made, not Toast itself. After the TST* prefix the descriptor reads “JOES PIZZA” — that leftover text is the most likely seller.

Check a different charge

Paste your own variant of this descriptor — the result appears right here.

We never see your account. Nothing is saved.
RELATED DESCRIPTORS
  • TST* DELANCEY STREET CAFE

    This appears to be a charge from a café or restaurant called Delancey Street Cafe, processed through the Toast point-of-sale system.

  • TST* LOCAL KITCHEN AND BAR

    This appears to be a charge from a restaurant or bar called Local Kitchen and Bar, processed through Toast, a common point-of-sale system used by food and beverage establishments.

  • TST* SHAKE SHACK

    This appears to be a charge at a Shake Shack restaurant, processed through Toast, a common restaurant point-of-sale system.

  • TST* SWEETGREEN

    This charge appears to be from Sweetgreen, a salad and grain bowl restaurant chain, processed through Toast, their point-of-sale system.

The TST* prefix has its own page: What does TST* mean on a statement?