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Top-up is a PayPal feature that allows you to transfer money from your bank account to your PayPal account. It's an additional way for you to pay for online purchases more securely using PayPal – even without a credit card. However, currently


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This is essentially an extension of the instant money transfer feature PayPal introduced in , which previously allowed users to immediately transfer money to a PayPal bundled visa or mastercard debit card. For PayPal, this new function


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>To make a payment with PayPal without having a credit card linked to your PayPal account, you must have the total amount of your purchase in your PayPal account balance. PayPal does not offer transfers directly from your bank account​


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I never have.

So I try to buy a game today. I do not have a credit card. I will not be able to buy any games during the summer sale now because it takes close to 6 days for my bank to do the manual slow ass bank transfer to a Paypal balance.

Why do I have to maintain a balance on Paypal now? Did Gaben lose millions of dollars from Russian scammers or something and force this stupidity? When I go to make a purchase through Steam using Paypal I get this message Your card will not be charged unless the transaction amount exceeds your balance. Why did this change? My paypal has 0 dollars in it it always does. You will need to move funds from your bank account into your PayPal account and use your PayPal balance as the method of payment. I see this in the help files PayPal does not offer transfers directly from your bank account without having a backup credit card tied to the account. Back in May and any time before then I was able to purchase games on Steam with my Paypal balance at 0 and the funds were automatically drawn from the attached bank account without any delay.