5 Best VPNs for PayPal in 2020 - Stay secure and pay from anywhere

VPNs provide privacy and security, and as such, are ideal for use with payment processors such as PayPal. Paying online is a procedure for which you can never have enough protection, so using a VPN when accessing PayPal is always a good idea.

Using a VPN for Paypal will also allow you to access it in locations where it is not available. When you connect to a VPN server, your IP address is switched for one owned by your VPN provider so you will look like you're in a country that doesn't block PayPal. 

In this article, we list the best VPNs for PayPal and give you some top tips on how to set your VPN up.

What are the best PayPal VPNs?

We list the best VPNs for Paypal below. Scroll below this list for an in-depth analysis of each of the VPN services listed below.

  1. ExpressVPN - The best VPN for PayPal. Provides outstanding security and is consistently the fastest service that we test.
  2. CyberGhost VPN - Great value for money and it has easy to use apps on all popular devices. Has a network of blazing-fast servers worldwide.
  3. Private Internet Access - The most private service on our list. It is a favorite among Reddit privacy circles and has proven it's no logs claim.
  4. Surfshark - The cheapest VPN for PayPal. It is packed with features, has obfuscated servers and it unblocks PayPal from anywhere.
  5. VyprVPN - A great all-rounder that has been audited by a third-party to prove it is secure. It has slick apps for popular devices.

Even though there are reports of subscribers being warned or even occasionally banned because of the practice, using a VPN for Paypal continues to be a popular, useful, and secure way to access PayPal services. All the services below include the following features:

List of the Best VPNs for PayPal

We take a closer look at our recommended Paypal VPN services. For more information about any of the services in the list, check out our detailed VPN reviews.

ExpressVPN is the best VPN for PayPal. It offers the best speeds and privacy protections for PayPal users and it can unblock everything.

  • Pricing

    From  $6.67 - $12.95
  • Available on

    • Windows
    • macOS
    • iOS
    • Android
    • Linux
  • Unblocks

    • Netflix
    • iPlayer
    • Hulu

ExpressVPN is one of the top services in the industry for PayPal, but it is a bit expensive. The company offers custom apps for Windows, Mac OS X, iOS, Android, and Kindle devices. It also offers a manual setup for Ubuntu, Debian, Fedora, and CentOS Linux. There is a version of the VPN that can be installed on Chrome, Firefox, and Safari browsers, however, keep in mind that the browser extension only protects the traffic to and from that browser, so it works well for web-based transactions, but won't help you with standalone apps such as a torrent client.


You can install ExpressVPN on Sabai, DD-WRT, Tomato, and Asus routers and on a range of set-top boxes. You can use the service on up to five simultaneous connections, but if you install ExpressVPN on your router, all the devices in your home will share a single VPN tunnel which counts as one connection. The ExpressVPN server network has a presence in 94 countries, making it an exceptional, although a more costly solution to providing the security and convenience you need for your PayPal transactions.

CyberGhost VPN has easy to apps on Android, iOS, Windows, and Mac. It offers excellent features, fast servers, and security for PayPal users at an affordable price.

  • Pricing

    From  $2.75 - $12.99
  • Available on

    • Windows
    • macOS
    • iOS
    • Android
    • Linux
  • Unblocks

    • Netflix
    • iPlayer
    • Hulu

CyberGhost VPN offers servers in 109 locations spread across 88 different countries, all at a comparatively competitive price. Other major strong points include a very simple and straightforward registration, payment, and installation process as well as an intuitive and incredibly user-friendly client.


CyberGhost offers a free VPN service as well, however, be aware that it is about five times slower than its cheapest paid subscription and not as feature-rich. For use with PayPal, the free version may be sufficient, but if you want to use your account for more than just financial transactions, you may need to purchase one of the more robust packages. CyberGhost is an excellent choice with a much more than adequate range of options for most users.

Private Internet Access is the most secure VPN for PayPal. It has a strong commitment to privacy and security, making it an excellent choice to secure PayPal transactions.

  • Pricing

    From  $2.69 - $11.95
  • Available on

    • Windows
    • macOS
    • iOS
    • Android
    • Linux
  • Unblocks

    • Netflix
    • iPlayer
    • Hulu

PIA is among the cheapest VPN services in this list, with servers located in 48 countries. The VPN client software is provided for Windows, Android, macOS, and iOS. Users can select from several encryption choices including, Point-to-Point Tunneling Protocol (PPTP), Layer 2 Tunneling Protocol (L2TP) as well as our preferred favorite, OpenVPN.


VPN clients can also be installed on Ubuntu devices, as well as on routers running the DD-WRT, Tomato, or pfSense operating systems. The network provides excellent speeds, which makes it a perfect choice for use with traffic-intensive services. All this along with a generous allowance of ten simultaneous connections provides a well-rounded service that will not only offer more than acceptable performance but will also provide you with security and peace of mind when connecting to PayPal and other payment services.

Surfshark is the cheapest VPN for PayPal. It has obfuscated servers which will keep you secure and private online, has blazing fast servers, and malware protection.

  • Pricing

    From  $1.94 - $11.95
  • Available on

    • Windows
    • macOS
    • iOS
    • Android
    • Linux
  • Unblocks

    • Netflix
    • iPlayer
    • Hulu

Surfshark is based in the British Virgin Islands, Surfshark is a no-logs VPN service with great technical security, a bunch of useful features, and superb 24/7 support. Surfshark is relatively new to the scene, but has already become one of the favorite VPN providers for PayPal users thanks to the incredibly user-friendly interface, excellent encryption protocols, additional security features, blazing-fast speeds, and friendly 24/7/365 live chat support.


On top of all that, you'll be able to connect an unlimited number of devices simultaneously. Best of all, with Surfshark, you get a superb and fully featured VPN service at an awesome price. If you want to add that extra layer of security to your PayPal transactions, you really can't go wrong with Surfshark. You can give it a try today, completely risk-free thanks to its 30-day money-back guarantee.  

VyprVPN is a great all-round VPN for PayPal. It owns it's server network which guarantees security and excellent speeds and it has been audited by a third-party to prove it is secure.

  • Pricing

    From  $2.50 - $12.95
  • Available on

    • Windows
    • macOS
    • iOS
    • Android
    • Linux
  • Unblocks

    • Netflix
    • iPlayer
    • Hulu

VyprVPN continues its exceptional record by making it onto this top five list as well. VyprVPN is one of the most highly renowned VPN services and for good reason. Security wise, VyprVPN uses exceptionally strong AES 256 encryption, is based in Switzerland in and keeps absolutely no traffic logs. With over 70 server locations and unlimited switching of servers, it is ideal for using PayPal. Several different protocols are offered including PPTP, L2TP/IPsec as well as Chameleon for premium members. However, for the purposes of PayPal, OpenVPN offers more than enough security and privacy.


For those looking to use a VPN to bypass geo-blocking for services including PayPal, VyprVPN does not disappoint. It works perfectly and the servers are fast. Although the second most expensive of the providers in the list, the three-day free trial should be more than enough to see that VyprVPN is worth the asking price.

How to use a VPN with PayPal

All the PayPal VPN services in our list have easy-to-use VPN apps for Android, iOS, Windows, and Mac. To use a VPN safely with PayPal, all you have to do is follow the steps below:

  1. Subscribe to one of the PayPal VPN services in the list above. They all have the features you need to access PayPal from anywhere.
  2. Download the VPNs app on to your device, you will easily be able to find the download on their website.
  3. Connect to a server. Sticking to servers within your own country will reduce the VPNs impact on speed, but you will have the choice from a global list if your home country blocks the service or isn't covered by the VPN.
  4. Clear your browser cache or use a private tab and navigate to the PayPal website and log in. 
  5. You will now be able to use PayPal as usual!

How does a PayPal VPN work?

A VPN delivers security and privacy regardless of whether you are connecting from home, via an unsecured WiFi network at a coffee shop, or from your office network. This is because all the data transmitted between your device and the VPN server are fully encrypted.

Even if it is intercepted en route (over an unsecured WiFi network, for example), your data won’t be decipherable because of the strong encryption algorithms used by the VPN. This means you can be sure that your private information is kept private.

VPNs also allow you to access sites without revealing your physical location. Many websites use geolocation detection to restrict access to content, but with a VPN you can pretend to be in a different country to bypass those blocks. These are the key features of VPNs that can be very advantageous when using PayPal’s payment service.

Why do I need a VPN for PayPal?

So why would you want or need to use a VPN to access PayPal? Well, there are several reasons that make it very useful. First of all, a VPN adds an additional, important layer of security to any financial transaction performed on the internet, including those made via PayPal.

When using unsecured networks such as an public Wi-Fi connection, using a VPN means that your traffic, your financial information, and all of your confidential data, remains confidential.

Yes, the PayPal website uses secure protocols for its transactions. If you want to find out more about how these secure protocols work, take a look at our article on HTTPS. However, security problems have arisen in the past with these protocols. Even though they may be perfectly sound, if security is a huge issue for you and you feel safer with the additional encryption provided by a VPN, then using a VPN is an ideal solution. For more info on this topic check out our SSL/TLS article.

Secondly, you may want to connect to PayPal without revealing your physical location. Perhaps you are using PayPal while traveling and you don’t want PayPal to know where you are. Additionally, PayPal’s strict security policies may lock you out of your account if they see transactions taking place from a location outside your home country.

Further, PayPal may be unavailable in your country and you may want to spoof your location in order to gain access to otherwise inaccessible PayPal services. Whatever the reason, hiding your location can be very useful when using PayPal.

What Makes a Good PayPal VPN?

When evaluating the VPN providers, we analyzed certain attributes and features to find the best Paypal VPNs. The features we looked for are as follows:

Can I sign up for PayPal if it is blocked in my country?

Yes, you can use VPNs to spoof their location to the US (or elsewhere) to start a local PayPal there. By linking virtual card services to your PayPal account, you will appear to be elsewhere. This allows you to make international purchases easily, using PayPal to buy an online subscription, software downloads, and other local purchases -  and with the advantage of PayPal's buyer protection. 

Am I allowed to Use PayPal with a VPN?

As of the date of writing, no mention of VPNs has been found in PayPal’s current user agreement. However, according to some people, PayPal prohibits the use of VPNs to access their services. Browsing online forums indicates that some users have received warnings - and others have had their accounts suspended - after using a VPN. However, many people use PayPal over a VPN without a hitch.

When you use a VPN, remember that PayPal may have methods for spotting VPN use. If multiple PayPal subscribers use the same VPN provider to access the service a VPN IP address could become blocked by Paypal. If that happens, try another server to check if that one works.

It seems unlikely that you will suddenly be cut off from PayPal without first receiving a proverbial a warning.  And it seems highly unlikely that you will get in trouble for using a legitimate PayPal account from back home when you are on vacation. 

People who have experienced problems are much more likely to be using a Paypal account from a country they do not live in.

Can I use a free VPN for PayPal?

Free VPNs are generally frowned upon because they collect their users' data to turn it into a revenue stream. Free VPNs have even been found to be lying about the kind of encryption they provide, and they are known to suffer from critical leaks, and even to contain spyware or adware. Due to the risks involved with free VPNs, we urge you to be extremely careful when picking one. 

The good news is that there are some free VPNs on the market that you can use. Some premium VPNs provide a simple free plan to let people test their service, and there is no reason why you can't use those to access a PayPal account securely online. However, please bear in mind that a trustworthy free VPN for PayPal will have certain limitations:

  • Fewer server locations
  • Slower connection speeds
  • Monthly download limits

How to pay for a VPN with PayPal

Many VPN providers accept PayPal as a method of payment. In fact, all the providers listed in this article accept PayPal - which makes them easy and fast to subscribe to. Paying with PayPal is advantageous because it has an excellent dispute resolution center, which makes it easier to cancel payments and to seek a refund if you believe you deserve one. Most providers also allow you to renew your subscription via PayPal. So if you are already a subscriber, you can probably setup a recurring payment without any issues.

Is it safe to pay for a VPN using PayPal?

Now that we have clarified that it is possible to pay for a VPN using PayPal, you may be wondering whether it is safe to do so. The answer is that yes, for most people the act of paying for a VPN with PayPal (or indeed a debit or credit card) is not going to create a concerning paper trail. Paying for a VPN using something tied to your name (and potentially your IP address) will create evidence that you purchased a VPN. However, it will not create any way to actually ascertain what you did with your VPN while connected. 

Of course, depending on your personal threat model, you may prefer not to leave any paper trail at all. Some people like to sign up for their VPN using a fake name and a burner email. Those people will likely prefer to pay for the VPN using vouchers, or a cryptocurrency payment. This is an option, because some VPNs do accept these kinds of payment methods.

However, for the vast majority of people, paying for a VPN with PayPal is not going to cause any real privacy concerns.

How to Test your PayPal VPN for Leaks

Before actually using your VPN to initiate PayPal transactions, it’s always a good thing to test your VPN for leaks. VPN providers may claim to protect your anonymity and data, but there are ways to test their claims. We’ve already tested the VPNs on our list, but don’t just take our word for it. Test them yourself.

There are a multitude of VPN testing sites that will tell you what you look like on the Internet from their perspective. These will include information such as your IP address, your physical location, and your DNS and WebRTC information. You can find detailed information on how to test your VPN for leaks at our Complete Guide to IP Leaks.

ProPrivacy for Paypal Conclusion

VPNs are very useful and versatile tools for anonymity and security on the internet at large. If you are concerned about your PayPal transactions being compromised, or about the location-based restrictions that exist on PayPal subscriptions, then VPNs are the definitive solution.

With a little care and knowledge about the potential drawbacks due to the financial services provider frowning upon VPN usage for accessing their services, you can go a long way to improving your PayPal experience and maintain your privacy.

The VPNs in this article have been chosen based on the strengths they possess, specifically for use with PayPal services. But the choice of which of the above five VPN services is best for you really comes down to you.

All the proposed services provide either a free trial or a low-cost initial usage plan (with a money-back guarantee), allowing you to experience them firsthand and to test their level of anonymity with the tools provided. We hope these recommendations have been informative and will lead you to the best choice for your Paypal VPN.

  1. ExpressVPN - The best VPN for PayPal. Provides outstanding security and is consistently the fastest service that we test.
  2. CyberGhost VPN - Great value for money and it has easy to use apps on all popular devices. Has a network of blazing-fast servers worldwide.
  3. Private Internet Access - The most private service on our list. It is a favorite among Reddit privacy circles and has proven it's no logs claim.
  4. Surfshark - The cheapest VPN for PayPal. It is packed with features, has obfuscated servers and it unblocks PayPal from anywhere.
  5. VyprVPN - A great all-rounder that has been audited by a third-party to prove it is secure. It has slick apps for popular devices.

Written by: Ray Walsh

Digital privacy expert with 5 years experience testing and reviewing VPNs. He's been quoted in The Express, The Times, The Washington Post, The Register, CNET & many more. 

7 Comments

Dave
on June 26, 2019
Reply
Known of these truly accepts paypal payments without a credit card attached to the account.This is simply another way an ISP or government agency can track the user. ITS A LIE...
JC
on August 30, 2018
Reply
as of today (8.30.2018) they will not allow NORDVPN. paypal have locked my account down, provided the worst "customer service" imaginable, and have request everything short of naked photos to verify my ID and let me back into my account. apparently changing multiple pieces of contact info and using NORDVPN caused this. they said "turn off your vpn, or use another payment processor" its been a nightmare with these clowns so far. we all need to demand online retailers accept other online payment processors instead of paypal.
doctor owl
on July 1, 2018
Reply
I'm not sure why, but your table shows nothing! It has the headings: Provider, Price, Score. But nothing shows up... Additionally they aren't mentioned in the article by name either. I was very much hoping to figure out whether Nord VPN or Tunnelbear were on this list as they're my preferred VPNs...
https://cdn.proprivacy.com/storage/images/proprivacy/02/member-dougjpg-avatar-image-default-1png-avatar-image-default-minpng-avatar_image-small.png
Douglas Crawford replied to doctor owl
on July 2, 2018
Reply
Hi doctor owl, Hmm. The table looks ok to me. I'll pass this message onto our tech department just in case its an issue at our end. NordVPN is at no. 3 on this table.
Istvan
on September 11, 2017
Reply
I have been using express vpn for many years. Few years ago when I tried to log in to my PayPal account using vpn it was flagged and limited. Is it allowed now in 2017?
https://cdn.proprivacy.com/storage/images/proprivacy/02/member-dougjpg-avatar-image-default-1png-avatar-image-default-minpng-avatar_image-small.png
Douglas Crawford replied to Istvan
on September 12, 2017
Reply
Hi Istvan, This can occasionally happen when using a VPN thanks to the actions of another user using the same shared IP address. In general, however, I use a VPN all the time (including logging into PayPal), and have never experienced any issues. So there is a very small risk that you may be flagged again, but is it very unlikely.
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