Supposedly, you're supposed to be able to go to the settings and click "//use PayPal account" and register your email. Everytime I try to add my email tho, it never goes through and sends me to the PayPal homepage. It could be because my account is past due and it needs to be active or the system really is buggy, but I haven't been able to do it. After you register it, your top up page shouldn't ask for a credit card. At least I believe that's what's supposed to happen.