Put your KOHO card into machine to pay. Machine does not ask for a pin and just rejects the transaction.
You're standing in line trying to pay with half a dozen people waiting behind you. You know KOHO has your money (you reloaded it specifically for this), and you know it's working because you tapped to buy a coffee minutes earlier. But now you're trying a transaction too much for a tap... PIN is required... and it's not working.... and it's Saturday morning, and KOHO won't be around until Monday. 🤷♂️
All the while KOHO app keeps telling you:
Whoopsie! You've been fucked by KOHO! 🤷♂️
Do not trust KOHO with your money. They will not be there for you. Cancel your account and warn your friends.