Skip to main content
Toast10-K: Supplier concentration

Toast's core business relies on third-party payment processors for payment settlement

What happened

The company's ability to process and settle payments for its customers is dependent on relationships with external payment processors. Any disruption to these partnerships could directly impact revenue, customer satisfaction, and operational continuity.

Source

SEC EDGARFeb 18, 2026

Annual report (Form 10-K)

Toast 10-K for FY2025

Filing excerpt

We rely on third-party payment processors to process and settle payments made by guests, payments made to customers, and payments made on behalf of customers, and if we cannot manage risks related to our relationships with our current or future third-party payment processors, our business, financial condition, and results of operations could be adversely affected.

sec.gov/Archives/edgar/data/1650164/000165016426000057/tost-20251231.htmRead the full source

Other signals in this filing (10)

Extracted by Autobound

From the Signal API record
Signal
10-K: Supplier concentration

What this signalsFilings often name leadership changes, deals and spending plans.

Period
FY2025
Fiscal year end
12/31
Filed
Feb 18, 2026

More 10-K signals at other companies

The full record

From the Signal API record

Details

CIK
1650164
Accession number
0001650164-26-000057
Filing year
2026
Why it matters
Risk management needed
Signal category
Market

Topics and mentions

Technologies

  • cloud-based

Vendors

  • Amazon Web Services

Extraction

Confidence
High
Relevance
70%
Sentiment
Negative
Detected
Feb 24, 2026
signal_type
sec-10k
signal_subtype
supplierConcentration

Use this data

Get every 10-K signal for Toast and the companies you sell to, in the tools you already use.

  1. Ask Claude about it

    Connect Autobound to Claude, Claude Code or Cursor with MCP. Then ask: “What changed at Toast this week?”

  2. Send it to your own tools

    The Signal API returns 10-K signals for any list of companies as JSON, for your CRM, warehouse or app.

  3. Try it free

    Sign up and spend your free credits on the companies you sell to.

    Start Free1,000 free credits

The API returns more than this page shows

This page shows a preview. The full sec-10k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
Show the full JSONThe record on this page and the API request

GET /v1/signals/8169f595-1f26-4eb2-8ea5-87f513dedd04 returns this record as JSON. POST /v1/companies/enrich returns every signal for toasttab.com.

{
  "signal_id": "8169f595-1f26-4eb2-8ea5-87f513dedd04",
  "signal_type": "sec-10k",
  "signal_subtype": "supplierConcentration",
  "detected_at": "2026-02-24T09:29:15.506+00:00",
  "company": {
    "name": "Toast",
    "domain": "toasttab.com"
  },
  "data": {
    "detail": "The company's ability to process and settle payments for its customers is dependent on relationships with external payment processors. Any disruption to these partnerships could directly impact revenue, customer satisfaction, and operational continuity.",
    "summary": "Toast's core business relies on third-party payment processors for payment settlement",
    "excerpts": "We rely on third-party payment processors to process and settle payments made by guests, payments made to customers, and payments made on behalf of customers, and if we cannot manage risks related to our relationships with our current or future third-party payment processors, our business, financial condition, and results of operations could be adversely affected.",
    "relevance": 0.7,
    "sentiment": "negative",
    "confidence": "high",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1650164/000165016426000057/tost-20251231.htm",
    "filing_date": "2026-02-18",
    "filing_year": 2026,
    "fiscal_year_end": "12/31",
    "sales_relevance": "Risk management needed",
    "signal_category": "market",
    "vendors_mentioned": [
      "Amazon Web Services"
    ],
    "technologies_mentioned": [
      "cloud-based"
    ]
  }
}

Long text fields are shortened on this page.

Looking up one signal by its id is free. Enrich costs 2 credits per signal returned; a call with no results is free.