Hi @Iwhitman2055!
In this case it sounds like the term "top up" is sending money from PayPal to Android Pay which is considered a normal payment on our end, so there is no fee involved. It also could mean that you have your PayPal account set up to add money from your bank account automatically which is also free.
@nevadasmith is absolutely correct that the 1% fee is in regards to withdrawing a PayPal balance to a debit card only.
I hope this helps and thank you for joining the Community!
Michelle
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