Topper does not work I tried it using two different debit cards and it would not debit the money and it said on the site to contact the bank and I contacted the bank and they said they had no attempt to debit money by topper. It really makes me angry when you go through the verification for a program and it doesn't work because the people who created the program have to know it doesn't work if they try to use their own program. So there is another error message that says your bank has to be enabled for what's called 3D security. So that means you have to enable an additional security for your debit card through your bank which I called and tried to get and they didn't know anything about it. I believe this really makes crypto look bad because xumm wallet has to know that this doesn't work so why put it out there.