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

1. Open the Toco app
2. Tap "Add" on the main screen
3. Enter the amount you want to purchase
4. Select your payment method
5. Review the transaction details
6. Confirm your purchase
7. Complete payment authentication

Method 2: Wallet Purchase

1. Go to your Wallet tab
2. Tap "Add" or the "+" button
3. Choose purchase amount
4. Select payment method
5. 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:

1. Go to Wallet > Transaction History
2. Filter by "Purchases" to see all buys
3. 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