We are excited to announce Topper as the newest addition to our fiat-to-crypto on-ramp partners! Developed by trusted Web3 financial platform Uphold, Topper revolutionizes the payment process by accepting different currencies and offering superior approval rates, which in turn increases revenue potential.
This comprehensive guide will take you through every step of buying cryptocurrency with Topper. We discuss the essentials of successful verification and provide tips for solving common problems. ready to get started? To follow!
Step 1 – Set up your transaction
Start your crypto buying journey by visiting the Changelly Buy page (https://changelly.com/buy-crypto). Here you can select the cryptocurrency you want to buy and the fiat currency you want to use for payment.
Then enter the fiat amount you want to spend on the cryptocurrency and click the green ‘Buy Now’ button.
The next step is to choose your payment method. Depending on the fiat currency you selected, you will see different payment options available.
Topper only supports Visa, MasterCard, Apple Pay and Google Pay as payment methods. Please note that PayPal and other payment methods are not supported by Topper.
Below this section you will find information about our partners who can facilitate the purchase. For each partner, including Topper, we indicate how much cryptocurrency you receive for a certain fiat amount.
To continue with Topper, simply select it from the list of partners. Rate and commission calculations are displayed on the right side of your screen.
After selecting Topper, scroll down to enter your crypto wallet address in the field provided. This is the wallet you want to finance with your purchase. Please note that you may only use your personal wallet address. Please note that if money is sent to an incorrect or unauthorized address, no refunds will be issued.
Please check that all details are correct, check the box to agree to the terms of use and then confidently click the green Buy button to complete your purchase.
Step 2 – Get redirected to Topper
Once you continue, you will be redirected to the Topper purchase window which will show you how much cryptocurrency you will receive. Take a moment to look at the exchange rate just below these calculations.
View the commission details at the bottom of the page. Here you will find information about the total costs, which consist of network costs (calculated based on network usage) and transaction costs, including a 3.9% surcharge for payment processing.
If you agree to the terms, simply click Continue to continue.
Step 3 – Sign up for a Topper account
At this stage you will need to log into your existing Topper account or create a new account.
If you are a new user, start by entering your email address.
Then select your country where you live. Please note that users who live in the US must also provide their state.
Please read Topper’s terms of use and privacy policy carefully. Check the box to confirm your understanding and agreement, then click Continue safely.
The final step in the registration process involves email verification.
Check your email for a code sent by Topper and enter this code to verify your email address. This step is crucial for the security of your account and proceeding with your crypto purchase.
Step 4 – ID Verification
The next step is the ID verification step. This is more than just a procedural task; it is a legal obligation for crypto exchanges to combat money laundering and other illegal activities. By confirming the identity of our users, we can strengthen security and minimize the risk of fraudulent transactions.
Don’t worry, this quick and easy process will only take a small portion of your time and is essential to keeping our platform safe and reliable.
For this step, you will need to have a government-issued ID on hand. This could be your passport, driver’s license or identity card. The key here is to make sure the document you choose is valid and clearly identifies you.
Please note that you must be of legal age to purchase cryptocurrency from Topper and access our exchange platform.
When taking a photo, make sure all corners of the document are within the frame. The information in the document must be clearly legible; good lighting is very important for this step. Follow these guidelines to avoid delays in the verification process.
Tips for smooth verification
- Take a clear photo of your photo ID and make sure all details are legible.
- Your photo ID must be valid for at least three months.
- Position the document so that all corners are within the frame.
- If you encounter camera issues on desktop, switch to the mobile app.
- Refresh the page to restart if you make a mistake; do not continue with known errors.
- Live photos only; no scans or saved image files are allowed.
- Make sure the light source is in front of you for a clear selfie.
Keep in mind that avoiding common mistakes can significantly speed up the verification process.
Submit a photo of your ID for verification. Wait a few seconds and do not close the window as the verification is in progress.
You must then enter your home address. Please complete the required fields carefully and double-check the accuracy of the information. Once you have confirmed that all information is correct, click Submit to continue.
Step 5 – Provide your Crypto Wallet address and payment method details
Then carefully enter the address of your crypto wallet.
Cryptocurrency transactions are final and irreversible due to the decentralized nature of blockchain technology. Once a transaction is recorded on the blockchain, it becomes a permanent part of the ledger and immune to modification or cancellation. That’s why it’s a must to ensure the accuracy of your wallet address: any mistake could result in the permanent loss of funds to an incorrect or non-existent address.
For your next step, choose your payment method from the options that Topper supports: Apple Pay, Google Pay, Visa and MasterCard debit/credit cards. In this manual we demonstrate the process using a bank card as an example.
If you also use this method, enter your card number, expiry date and CVV. Topper accepts many major fiat currencies, such as USD, EUR and GBP. Click on ‘Add card and view order’.
At this stage a summary of your transaction will be displayed. Please check the amount, wallet address and payment method carefully. If everything looks good, click the Pay button at the bottom of the screen.
Then processing begins. Do not close this window while your order is being processed.
After processing, the money will be sent to your address. The order status will be updated to reflect this, as shown in the screenshot below.
For more information, please click on ‘View order details’. In addition, an email with the transaction details will be sent to you.
And that’s it! Now just wait for the cryptocurrency to be credited to your wallet.
Fiat-to-crypto transactions typically take longer to process than crypto-to-crypto transactions. Although it is usually completed within an hour, the time frame may vary depending on network traffic. Please allow one hour for processing time. You don’t have to worry about checking the transaction status during that time.
Frequently asked questions about using Topper
This section is intended to answer frequently asked questions about using Topper. If your question remains unanswered or you encounter an issue, please feel free to contact Topper’s support team here.
What are Topper’s purchase limits?
The minimum purchase amount on Topper is 10 USD/EUR/GBP. For transactions in other fiat currencies, the minimum limit is equal to these amounts at the current exchange rate.
Topper’s daily purchase limit is $2,500 and resets at midnight (12:00 AM). Please take this limit into account when making purchases. For more information about limits, contact Topper’s support team.
Should your transaction exceed this set limit, you will be prompted to increase your limit, which will require further verification. To do this, please contact Topper’s help center by submitting a ticket here.
Why did my transaction fail?
Transactions can fail for a variety of reasons, such as insufficient funds, incorrect card details, or network issues. Here are some common error messages and their meanings:
- Insufficient Funds: If you see the message “Unfortunately, we were unable to complete the transaction due to insufficient funds,” it means that your account does not have the necessary funds to cover the transaction. Please check the balance before trying again.
- Unsupported card or bank rejection: The message “The transaction was declined by your bank” indicates that the bank was rejected. This could be due to insufficient funds, suspicious activity, or account restrictions. If you see “Sorry, your card isn’t supported,” it means our payment processor won’t accept your card. Try using an alternative payment method.
- Expired card: An expired card triggers the message ‘This card has expired.’ Make sure your card is valid for transactions.
- Transaction declined: The generic decline message: ‘Your transaction has been declined. Please contact our support team for assistance’ indicates an issue that requires support. You can submit a ticket on Topper’s website for assistance. Click on the link at the beginning of this section.
It is important to note that if a transaction is declined, the money will not be debited from your account. Instead, they remain ‘frozen’ and are released according to your bank’s internal regulations.
- Request timeout or service is unavailable: If you encounter “Sorry, we couldn’t complete the transaction,” it could be due to a network slowdown or server overload. At times, Topper’s service may undergo maintenance or technical issues, causing transactions to fail. In such cases, please try to perform the transaction again later, or contact Topper’s support team for additional assistance.
Where is Topper available?
Topper offers services in more than 180 countries. If you don’t see Topper listed during the provider selection step, it means their services are not yet available in your country. For the latest updates and information, please visit Toppers website.
Uphold is regulated in the US by FinCen and state regulators, in the UK by the FCA and in Europe by The Bank of Lithuania.
Disclaimer: Please note that the content of this article is not financial or investment advice. The information contained in this article is solely the opinion of the author and should not be considered as trading or investment recommendations. We make no guarantees about the completeness, reliability and accuracy of this information. The cryptocurrency market suffers from high volatility and occasional random movements. Any investor, trader or regular crypto user should research multiple points of view and be familiar with all local regulations before making an investment.
