The Champions League, confusingly, is not just for Champions. Depending on what game world you play in and which country, up to the top four teams in top-flight League competition may qualify for the Champions League.
The UEFA Cup is for teams who just missed out on real money-making (i.e. The Champions League) placing in their league.
According to which country you play in some Cup Winners will also qualify for the UEFA League, as will the six "winners" of the Toto Cup, known as the Inter-Toto Cup.
UEFA Cup matches do offer an opportunity to boost your finances, but not by as much as the bloated excesses of the Champions League.
The Toto Cup is for teams who just missed out on qualifying through the league for one of the better European tournaments.
Because of the number of teams that can compete in this, even having a low league position can mean you qualify.
The Toto Cup comes very early in the season and its peculiarities mean that six teams will be deemed its winners! Those six teams are granted entry to the UEFA Cup and thereby more opportunities to dine at UEFA's trough.
Toto Cup matches do offer an opportunity to boost your finances, but not by as much as the bloated excesses of the Champions League.