Toast · Worldpay · FIS

Corridor

01
Toast signs the SMB
New restaurant, POS + Worldpay
02
Offer business checking
Inside Toast, on the last screen
03
FIS issues it
A real bank, not a stored balance
04
Walk into a branch
Local SMB banker — or Live Oak

Banks: 5
On a partner: 83%
Branch account: 91%
Live Oak: 9%
Digital states: 13

Partner corridor

Fifth Third, Regions, Citizens and East West — all Worldpay partners — plus KeyBank for the Pacific Northwest. East West does not win California; it wins the restaurant on the block in LA, the San Gabriel Valley, Houston and Flushing. About 91% of the country still gets a walk-in branch.

New Toast merchants

Issuing banks

Live OakOnline business bank · always on

Fifth Third · WRegions · WCitizens · WKeyBankEast West · WLive Oak digital

Diamonds are Toast restaurants. Color is who issues the account. Stipple is online-only.

Toast · new merchant

Hearth & Rye

Neighborhood tavern · Columbus, OH

They just turned on Toast for POS and Worldpay processing. On the last boarding screen, Toast offers a business checking account this independent operator can run from the same software — issued by a real bank with a branch they can walk into.

Account Toast would open

Fifth Third Business Checking

Worldpay partner · Fifth Third

Card deposits, payroll, and tips settle into this account inside Toast. Built for an independent operator, not a chain treasury team.
15 Fifth Third branches in Columbus — cash, notary, a banker for the line of credit.

Walk in

Columbus15 branches
Cincinnati40 branches
Dayton10 branches
Toledo8 branches
Cleveland6 branches
Fairfield4 branches

Demo only. Toast is an example Worldpay PayFac. The account is issued by the routed bank (or Live Oak), not by Toast, and can be swapped for a white-label FIS deposit product.