美国联邦贸易委员会（FTC）与八个州对餐厅软件和支付公司Toast提起诉讼。指控包括隐藏费用、强制附加服务以及一个将客户困在其中的取消流程。Toast表示将在法庭上抗辩。
The US Federal Trade Commission and eight states have sued Toast, the restaurant software and payments company. They accuse it of hidden fees, unwanted add-ons and a cancellation process that traps customers. Toast said it will fight the case in court.
FTC于周四通过新闻稿宣布了这起诉讼，并公布了71页的诉状，提交至加州北部联邦法院。同一天，Toast发表了声明回应。目前尚无法院就这些指控作出裁决。
The FTC announced the lawsuit on Thursday in a press release. It also published the 71-page complaint, filed in federal court in Northern California. Toast replied in a statement the same day. No court has ruled on the claims.
“Toast未能兑现其多项承诺，反而施加了隐藏费用、未经授权的收费和订阅陷阱，榨取了那些仅为服务客户而辛苦经营的企业所赚取的利润。”FTC消费者保护局局长Christopher Mufarrige表示。
“Toast failed to honor a number of its promises and instead imposed hidden fees, unauthorized charges and subscription traps that drained the hard‑earned profits of businesses just trying to serve their customers,” said Christopher Mufarrige, director of the FTC’s Bureau of Consumer Protection.
原告州包括科罗拉多、佛罗里达、伊利诺伊、爱荷华、内布拉斯加、俄克拉荷马和犹他。加州则通过洛杉矶县检察官和旧金山城市检察官加入。FTC委员投票以2比0通过起诉决定。今年该机构还冻结了一个建立在壳公司上的订阅企业，并对亚马逊的广告拍卖提起诉讼。此外，它还正在调查Shein的应用设计。
The state plaintiffs are Colorado, Florida, Illinois, Iowa, Nebraska, Oklahoma and Utah. California joined through the Los Angeles County Counsel and the San Francisco City Attorney. The FTC commissioners voted 2-0 to file. This year the agency has also frozen a subscription enterprise built on shell companies and sued Amazon over its advertising auctions. It is also investigating Shein’s app design.
关于Toast的说法：Toast表示“强烈”不同意上述指控。它认为FTC在扩大《在线购物者信心恢复法》（ROSCA）的适用范围——这是一项关于在线订阅的法律。Toast称该法律不涵盖餐厅与其谈判签订的合同。
What Toast says Toast said it “strongly” disagrees with the allegations. It argues the FTC is stretching the Restore Online Shoppers’ Confidence Act (ROSCA), a law on online subscriptions. Toast says the law does not cover contracts that restaurants negotiate with it.
“没有任何法院裁定ROSCA适用于经谈判的商业合同，我们认为它在此并不适用，”Toast表示。
“No court has held that ROSCA applies to negotiated business-to-business agreements, and we don’t believe it applies here,” Toast said.
Toast表示，自2025年中期以来一直配合FTC的审查，包括在不诉诸诉讼的情况下寻求和解的努力。它表示FTC忽视了显示其客户如何谈判合同的信息。其客户服务、定价和支持不会发生变化，它还补充道。
Toast said it has cooperated with the FTC’s review since mid-2025, including efforts to settle without a lawsuit. It said the FTC ignored information showing how far its customers negotiate their contracts. Nothing changes for its customer service, pricing or support, it added.
根据联邦贸易委员会（FTC）的数据，餐厅注册的是自动续订订阅，平均每月费用约为 900 美元。Toast 宣传一种“即用即付”计划，提供硬件和软件，标价“0 美元”，通过更高的刷卡费来支付。投诉指称，Toast 的硬件实际上没有任何一项是 0 美元。
The ‘$0’ plan and the fees Restaurants sign up to auto-renewing subscriptions that cost around $900 a month on average, according to the FTC. Toast advertises a “Pay-as-you-Go” plan with hardware and software for “$0”, paid for through higher card fees. The complaint alleges that none of Toast’s hardware is in fact $0.
投诉称，客户必须在 120 天内开始处理支付。否则，他们必须退还硬件或支付其全额零售价。暂时关门的餐厅仍需每月支付 85 美元的支付处理费。提前取消的客户需支付一笔未披露的费用，即合同剩余每月 150 美元。
Customers must start processing payments within 120 days, the complaint says. Otherwise they must return the hardware or pay its full retail price. Restaurants that close temporarily still pay $85 a month for payment processing. Customers who cancel early pay an undisclosed fee of $150 for each month left on the contract.
FTC 称，Toast 曾向一名客户收取 5318.87 美元的提前终止费，该客户在四年后取消服务。Toast 拒绝退还这笔费用。
Toast charged one customer a $5,318.87 early termination fee when he cancelled after four years, the FTC said. Toast refused to refund it.
投诉还涉及食客。FTC 称，从 2021 年 9 月到 2023 年 7 月下旬，Toast 向金额超过 10 美元的在线订单加收 0.99 美元费用。投诉指称，食客和餐厅均未得到妥善告知，也未被征求同意。这笔钱归 Toast 所有，而非餐厅。
The complaint also covers diners. From September 2021 to late July 2023, Toast added a $0.99 fee to online orders above $10, the FTC said. Neither diners nor restaurants were properly told or asked for consent, it alleges. The money went to Toast, not the restaurant.
取消与支持 要取消服务，客户必须提前 30 天以书面形式通知其“无意续约”，FTC 称这一规则在注册时并未清晰披露。根据投诉，一些客户得不到回复，Toast 继续向他们收费。其他人则被转接到销售推销环节，以劝说他们留下。
Cancelling and support To cancel, customers must give 30 days’ written notice of their “intent not to renew”, a rule the FTC says is not clearly disclosed at sign-up. Some got no reply and Toast kept charging them, according to the complaint. Others were sent to sales pitches to stay.
拥有 Toast Capital 贷款的客户面临进一步成本。投诉称，如果他们取消或更换供应商，Toast 将其视为违约，并要求一次性偿还全部贷款余额。
Customers with a Toast Capital loan face a further cost. If they cancel or switch provider, Toast treats it as a default and asks for the full loan balance at once, the complaint says.
Toast 承诺在每个订阅套餐中提供“全年无休、7×24 小时支持”。FTC 称，客户难以联系到任何人。在一起案例中，一位餐厅老板在周六致电，被告知能提供帮助的团队周末不上班。根据投诉，至少有数万名消费者进行过投诉。
Toast promises “24/7/365 support” in every subscription package. The FTC says customers struggle to reach anyone. In one case, a restaurant owner called on a Saturday and was told the team that could help did not work weekends. At least tens of thousands of consumers have complained, according to the complaint.
原告诉请法院发布永久禁令、向客户退款，并根据州法律处以民事罚款。起诉书列举了根据《联邦贸易委员会法》、ROSCA（恢复在线购物者信心法案）以及各州消费者保护法提出的 21 项指控。
What the case asks for In the Toast FTC lawsuit, the plaintiffs ask the court for a permanent injunction, money for customers, and civil penalties under state laws. The complaint lists 21 counts under the FTC Act, ROSCA and state consumer protection laws.
根据起诉书，Toast 2025 年营收为 61.53 亿美元，其中约 82% 来自支付和贷款业务。起诉书称其客户门店数为 15.6 万家；Toast 方面的声明则称该数字接近 20 万家。
Toast had $6.153bn in revenue in 2025, about 82% of it from payments and loans, according to the complaint. It counts 156,000 locations as customers, the complaint says; Toast’s statement puts the figure at nearly 200,000.