Hello @SLZEUS, Thank you for your post and welcome to the Community Forum! I understand your concern about top-up. In general, topping up or adding money usually takes 3-5 business days for the transfer to complete. The amount will only be held only if you're sending the money through goods and services payment and not for adding funds to your PayPal account or refunding the buyer. If there is an issue with the transaction, the funds will be reversed back. For account-related information, I'd recommend reaching out to our Customer Support to research this a bit further. You can reach Customer Support by clicking Contact at the bottom of the PayPal website. I hope this helps. Ayesha
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