When you pay in-store using PayPal with Google Pay, the account will automatically top up if there’s not enough money in your PayPal balance. It’ll instantly pull a fixed amount of $10.00 CAD increments from your linked bank account or debit card.

If the top-up amount is more than the amount of your purchase, the unused amount will remain in your PayPal account balance. You may spend it elsewhere or withdraw it.

If you turn off automatic top-up, future in-store transactions with Google Pay will fail when there’s not enough PayPal balance to cover the purchase. We’ll allow partial approval for the balance available.

Here’s how to turn off automatic top-up from the PayPal website:

1. On your Dashboard, click the More Options icon next to “PayPal balance.”
2. Select Automatic top up.
3. Click Turn off automatic top up.

Here’s how to turn off automatic top-up from the PayPal app:

1. Tap the Settings icon.
2. Tap Google Pay.
3. Tap Automatic top up and slide the toggle to “off.”