5 Best VPNs for PayPal in 2020

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. VPNs for PayPal can also be useful for other reasons as well, such as accessing the service from various locations all over the world.

VPN for Paypal

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

As is the case with all applications, however, all PayPal VPNs are not made equally. We’ve reviewed over 150 different VPN providers over the past five years and analyzed them especially for use with PayPal, and these are the 5 best VPNs for Paypal that we have uncovered:

If you’re looking for a quick answer, take a look at the table below to compare what our experts rated as the best VPNs for PayPal. 

  1. ExpressVPN - The fastest VPN we test, unblocks everything, with amazing service all round
  2. NordVPN - Large brand with very good value, and a budget price
  3. CyberGhost VPN - Longtime top ranked VPN, with great price and speeds
  4. VPNArea
  5. PrivateVPN - One of the cheapest VPNs out there, but still a good service

Want more detail? Our in-depth list below has you covered. Check out the ins and outs of the best VPNs for PayPal:

List of the Best VPNs for PayPal

What is a VPN for PayPal?

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

Even if it is intercepted en route, over an unsecured Wi-Fi network for example, because of the use of strong encryption algorithms, the data won’t be decipherable. This means 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, 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 a number of reasons that make it very useful. Firstly, a VPN adds an additional layer of security to any transaction performed on the Internet.

When using unsecured networks such as an open 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 the subject: HTTP Explained. However, suffice to say that 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 SSL/TLS, check out our article on the subject: https explained

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. Two fundamental characteristics we searched for are strong encryption (to uphold your privacy and security) and server locations.

When it comes to privacy, arguably the most important features of a VPN are the logging policy and the jurisdiction in which the VPN is based. These will determine if logs of your online activities are maintained or not, and if they are, who can see them and under what circumstances can they be made available.

Additional characteristics that were examined, which apply to all VPNs regardless of the application, include cost, speed, the quality of their customer support, as well as available payment methods.

Am I allowed to Use PayPal with a VPN?

According to some, PayPal prohibits the use of VPNs to access their services. Indeed a simple browse of several forums does indicate that some users have received warnings and others have had their accounts suspended because of PayPal’s VPN policy. However, many people do use PayPal over a VPN without a hitch.

As of the date of writing, however, no mention of VPNs has been found in PayPal’s current user agreement. It really comes down to personal experience.

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 it works.

What seems certain, is that you will never be suddenly cut off from their service if you have first not received a proverbial slap on the wrist in the form of a cautionary email.

In addition, it seems unlikely that you will get in trouble for using a legitimate PayPal account from back home when you are overseas. People that have had problems are much more likely to be using a Paypal account from a country they do not live in.

Paying for a VPN Using PayPal

Many VPN providers accept PayPal as a method of payment. Indeed, all of those listed in this article accept PayPal as it is an important payment option for any online service. The advantage of this is obvious – PayPal is easy to use, saves time, has an excellent dispute resolution center, and makes it simple to send money to almost anyone.

Other top VPN providers accept PayPal as a payment method including ExpressVPN, NordVPN, VyprVPN, Buffered, and VPNArea, to name a few heavy hitters. So if you are already a subscriber to one of these, and the time has come to renew your subscription, you can even pay for the VPN service on PayPal via the VPN service itself. Talk about a loop.

How to Test your PayPal VPN for Leaks

Before actually using your VPN to perform 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 take our word for it, test them yourself.

There is a multitude of VPN testing sites that will be able to 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 as to 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 as far as anonymity and security on the Internet go. 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 of 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 first hand 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 fastest VPN we test, unblocks everything, with amazing service all round
  2. NordVPN - Large brand with very good value, and a budget price
  3. CyberGhost VPN - Longtime top ranked VPN, with great price and speeds
  4. VPNArea
  5. PrivateVPN - One of the cheapest VPNs out there, but still a good service

Title Image Credit: Billion Photos/Shutterstock.com

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. Ray is currently rated #7 VPN and #8 internet privacy authority by Agilience.com.


  1. Dave

    on June 26, 2019

    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...

  2. JC

    on August 30, 2018

    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.

  3. doctor owl

    on July 1, 2018

    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...

    1. Douglas Crawford replied to doctor owl

      on July 2, 2018

      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.

  4. Istvan

    on September 11, 2017

    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?

    1. Douglas Crawford replied to Istvan

      on September 12, 2017

      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.

Write Your Own Comment

Your comment has been sent to the queue. It will appear shortly.

Your comment has been sent to the queue. It will appear shortly.

Your comment has been sent to the queue. It will appear shortly.

  Your comment has been sent to the queue. It will appear shortly.

We recommend you check out one of these alternatives: