Transferring Eidiya money is made possible through a collaboration with PayBy, which operates mobile payment services in partnership with FAB. PayBy on ToTok allows users to quickly and conveniently send instant money transfers to their family and friends through ToTok chat.

ToTok Pay uses cutting-edge technology to provide a seamless user experience and security for every transaction. The new feature uses global tokenisation technology to securely encrypt and store user financial information, while an AI-based fraud management system has been developed to detect any unauthorized activity.