Purchasing tocos is the first step to participating in the Toco ecosystem and earning engagement rewards. Here's how to make your first purchase.

Before You Buy

Ensure you have:
✅ Completed account verification (KYC)
✅ Set up wallet security (PIN/biometrics)
✅ Added a payment method
✅ Reviewed current terms and conditions

Payment Methods

Supported payment options:
Credit/Debit Cards (Visa, Mastercard)
Bank Transfer (SEPA, wire transfer)
Available payment methods may vary by region and are shown in the app.

How to Buy Tocos

Method 1: Quick Buy

Open the Toco app
Tap "Add" on the main screen
Enter the amount you want to purchase
Select your payment method
Review the transaction details
Confirm your purchase
Complete payment authentication

Method 2: Wallet Purchase

Go to your Wallet tab
Tap "Add" or the "+" button
Choose purchase amount
Select payment method
Complete the transaction

Purchase Process

Step 1: Amount Selection
Enter the amount in your local currency or tocos
View the current exchange rate
See any applicable fees

Step 2: Payment Review
Confirm purchase amount
Review fees and total cost
Check payment method details

Step 3: Transaction Completion
Authorise payment with your bank/card
Receive purchase confirmation
Tocos appear in your wallet (usually within minutes)

Fees and Rates

Current exchange rates are displayed before purchase
Processing fees vary by payment method
All fees are shown before you confirm
Check the app for current fee structure

Purchase Limits

Limits may apply based on:
Verification level
Payment method
Regional regulations
Account history
Your current limits are displayed in the app during purchase.

Transaction History

Track your purchases:
Go to Wallet > Transaction History
Filter by "Purchases" to see all buys
Tap any transaction for details

Troubleshooting Common Issues

Payment Declined:
Check card/account has sufficient funds
Verify payment details are correct
Contact your bank if needed
Try an alternative payment method
Transaction Pending:
Bank transfers may take 1-3 business days
Card payments usually process within minutes
Check your email for payment confirmations
Tocos Not Received:
Wait a few minutes for processing
Check transaction history
Refresh your wallet balance
Contact support if delayed beyond normal timeframes

Important Notes

Purchases contribute to your engagement activity
Buying tocos may earn you points toward tier progression
Exchange rates fluctuate and are updated regularly
Purchase terms and limits may change
Ready to start earning rewards? Make your first toco purchase and begin engaging with the platform to maximise your reward potential.

Updated on: 05/06/2025