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4 Best VPNs for PayPal - Most Secure & 100% Working in 2022

PayPal's Guarantee protects you against unscrupulous sellers, but it does nothing to keep you safe from hackers who want to steal your data and your money. What you need is a way to encrypt your info so that it's always safe, even when you're using unsecured connections like public WiFi.

A high-quality VPN can offer you this security, plus keep your account from being blocked when you travel outside your home country. There are several that can help, but my favorite is ExpressVPN because it’s fast, secure, and easy to use.

Overwhelmed with all options available? Don’t worry. I’ve tested dozens of VPNs so you don’t have to, and I’ve come up with the best VPNs to use with PayPal. Learn a little more about how a VPN helps by continuing below, or head straight to my list to find a service that ensures secure connections every time you log into your account.

Short on time? Here are the best VPNs for Paypal

  1. ExpressVPN - Super fast and secure with great global coverage
  2. CyberGhost - Very user-friendly and a broad selection of servers
  3. Private Internet Access - Reliable VPN, packed full of advanced security features
  4. PrivateVPN - One of the most inexpensive VPNs but still has plenty of security

Access PayPal With ExpressVPN!

Why You Need a VPN for PayPal

PayPal works hard to ensure its accounts and transactions are secure, but you can’t rely on that alone.

If you access a PayPal account on an unsecure device or in a public location without using a VPN, your information is vulnerable to cyber criminals. This could allow a hacker to see your PayPal login information, allowing them to sign in and steal money from your account.

A VPN encrypts your information, making it completely unreadable so that it’s safe from potential scammers.

If you travel abroad a lot, an added benefit of using a VPN is that you can log into the service from a server in your home country. As PayPal often blocks accounts when they log in from unfamiliar, faraway locations or even PayPal-restricted countries, this can save you a lot of hassle.

These blocks are meant to be a security measure to protect you from fraud, but it can be extremely frustrating when you’re away from home, need money, and can’t access your account for days or even weeks.

Quick Guide - How to Access PayPal with a VPN

  1. Choose a VPN with servers in your area. I recommend ExpressVPN for its global coverage, speed, and security.
  2. Install the VPN and connect to a server in your country.
  3. Sign in to PayPal to access your account.

The Best VPNs for PayPal in 2022

I tested all the VPNs on this list for speed, connectivity, ease of use, and security. We also regularly retest and update our findings so you can rest assured that any VPN we recommend will work for your specific needs.

Is PayPal safe and secure? Of course. But your internet connections may not always be; that’s why you need to protect yourself with a VPN.

Should you have difficulty accessing PayPal after connecting to one of these VPN’s servers, it’s probably just an issue with that particular server. Simply disconnect, and try another one to get through.

1. ExpressVPN

Fastest VPN for accessing PayPal

  • 3,000 servers in 94 locations
  • AES-256 encryption
  • No-logs policy
  • Automatic kill switch
  • TrustedServer technology
  • Split-tunneling
  • Use up to 5 devices simultaneously
  • 30-day money-back guarantee
  • 24/7 live chat
  • Works with: Netflix, ITV Hub, Hulu, Disney+, BBC iPlayer, and Amazon Prime Video
  • Compatible with: Windows, macOS, iOS, Android, Linux, Chrome, Firefox, and many routers
ExpressVPN Offer May 2022: For a limited time only, you can get an ExpressVPN subscription for up to 49% off! Don't miss out!

ExpressVPN is currently the fastest VPN. It’s also packed with security features and easy to use.

It has broad global coverage with over 3,000 servers in 94 locations, so you have plenty of options when choosing a server to connect to.

Every time you log into PayPal, your data is fully protected with military-grade encryption and an automatic kill switch. A strict no-logs policy ensures your info is never recorded.

ExpressVPN’s TrustedServer technology steps up the security by wiping its hard drives every time a server is rebooted. Its split-tunneling feature lets you access PayPal accounts through the VPN in one window, while you browse shopping sites and other parts of the internet in another.

With apps for every platform, you can access PayPal on almost any device. And with up to 5 simultaneous connections allowed per account, you can protect all those devices at the same time.

ExpressVPN offers a 30-day money-back guarantee so you can try it risk-free. If you’re not happy with the service, just request a refund.

Want to know more? Explore our ExpressVPN review to see the full results of our research and testing.

Access PayPal Securely With ExpressVPN!

2. CyberGhost

Best VPN for beginners

  • 7,909 servers in 91 countries
  • 256-bit military-grade encryption
  • Strict no-logs policy
  • Automatic kill switch
  • Use up to seven devices at once
  • 45-day money-back guarantee
  • Live chat or email support
  • Works with: BBC iPlayer, HBO GO, Netflix, and Spotify
  • Compatible with Windows, macOS, iOS, Android, Linux, Chrome, Firefox, and some routers
May 2022 Deal: CyberGhost is currently offering 82% off its most popular plan! Take advantage of this offer now and save more on your CyberGhost subscription.

CyberGhost keeps you safe with plenty of security features like military-grade encryption, a no-logs policy, and an automatic kill switch. When you access your PayPal account, hackers won’t have a chance to scam you.

It also has solid worldwide coverage with almost 7,909 servers in 91 countries and over 1,000 servers in the US alone, so you can safely access PayPal anywhere.

CyberGhost is super easy to use with an intuitive interface. If you do run into any issues, live chat or email support is just a click away.

CyberGhost provides support for up to 7 simultaneous connections. This means you can access PayPal on your phone or computer while other family members safely surf the internet or stream their favorite shows on their own devices.

Like what you hear but don’t want to get locked into a commitment? A generous 45-day money-back guarantee gives you plenty of time to try it out.

Want to know more? Explore our CyberGhost review to see the full results of our research and testing.

Access PayPal Securely With CyberGhost!

3. Private Internet Access

Reliable and secure VPN

  • 29,650 servers across 84 countries
  • Robust military-grade encryption
  • Automatic kill switch
  • Strict zero-logs policy
  • MACE malware blocker
  • 10 simultaneous device connections
  • 30-day money-back guarantee
  • Ticket support system
  • Works with: Netflix, YouTube, Sky Go, HBO GO, HBO Now
  • Compatible with: Linux, Android, macOS, iOS, Windows, Firefox, Chrome, routers
May 2022 Update: PIA doesn't usually have deals or discounts (it's already so affordable), but right now you can get a new subscription for a crazy 82% off!

Private Internet Access certainly lives up to its name with plenty of advanced security features to protect your PayPal transactions from cybercriminals.

Unbreakable military-grade encryption, with support for OpenVPN, guarantees that your PayPal (and all other online) activity stays far from prying eyes. While an automatic kill switch prevents any of your PayPal information from being visible on the unsecured web, should you suddenly lose your VPN connection.

Want more security? No problem, Private Internet Access also operates a strict no-logs policy and blocks malware and trackers with MACE.

You'll have no issues accessing your PayPal account from anywhere courtesy of Private Internet Access's global network of 29,650 servers in 84 countries.

Protect multiple devices at once with 10 simultaneous device connections. That's more than enough for the whole family to share in the VPN's protection and unblock their favorite streaming services at the same time.

If you run into a problem, you shouldn't be waiting for too long for a response from the ticket support system. Put the security of Private Internet Access to the test, risk-free with a 30-day money-back guarantee.

Want to know more? Explore our Private Internet Access review to see the full results of our research and testing.

Access PayPal Securely with Private Internet Access!

4. PrivateVPN

Best budget-friendly VPN

  • 200 servers in 63 countries
  • 256-bit encryption
  • No-logs policy
  • Automatic kill switch
  • Auto-reconnect feature
  • Use up to 10 devices at one time
  • 30-day money-back guarantee
  • Live chat and email support
  • Works with: ABC, Amazon Video, BBC iPlayer, and Hulu
  • Compatible with: Windows, macOS, iOS, Android, Linux, and some routers

PrivateVPN may have a smaller network of around 200 servers, but those servers are still located in over 63 countries around the world. This means you have an excellent shot at connecting to a server in your home country, no matter where you’re from.

A strict no-logs policy and military-grade encryption protect your data whether you’re logging into your PayPal account, browsing the web, or streaming video.

The company’s automatic kill switch immediately stops the transfer of your data should the VPN connection ever fail, preventing the leak of important info. Its auto-reconnect feature then immediately reconnects your device to PrivateVPN's servers so you can get back to what you were doing.

If you need help, PrivateVPN’s live support is around most of the day, and email support is always available. It also has an extensive knowledge base so you can look for the answers you need.

Have multiple devices on hand? With up to 10 simultaneous connections per account, PrivateVPN lets you access PayPal and the rest of the internet on your phones, tablets, computers, and more.

If you like trying out a service before signing up for a longer subscription, be sure to avail yourself of PrivateVPN’s 30-day money-back guarantee. You’ll enjoy all the service’s premium features risk-free.

Want to know more? Explore our PrivateVPN review to see the full results of our research and testing.

Access PayPal Securely With PrivateVPN!

How We Tested the Best VPNs for PayPal

When looking for the best PayPal VPNs, my biggest concern was security. All of the VPNs on this list had to have the highest security standards, plus additional features that would help keep you safe. Military-grade encryption was a must, as were features like no-logs policies and automatic kill switches.

After that, I considered ease of use and availability of support. The easier a VPN is to use, the less likely you’ll forgo it and potentially put your data at risk. And if you do run into a problem, you always need a way to get help.


Are VPNs trustworthy?

Some free VPNs may not be as trustworthy as you’d hope, but most premium VPNs — including all those on this list — are safe and secure to use when accessing PayPal, shopping online, streaming video, or anything else you need to do. You can check out our list of the fastest and safest VPNs to learn about other services you might consider.

Can I access PayPal safely on public WiFi with a VPN?

While public WiFi is convenient when you’re traveling, it’s rarely secure. Connecting to one of the VPNs listed above before you connect to public WiFi keeps you safe from hackers, trackers, man-in-the-middle attacks, and other cyber threats.

Does PayPal allow VPN usage?

Currently, there’s no mention of VPNs in PayPal’s user agreement. However, it’s important to note that PayPal may block VPN servers if it finds them. If you cannot access PayPal using your VPN, disconnect and connect to a different server to try again. Remember: It’s your right to be able to access our own money.

The Bottom Line

It doesn’t matter how secure PayPal is when it comes to its servers, accounts, and transactions — you may still be at risk if you aren’t securing your own device. For that reason, it’s a good idea to use a VPN when you access PayPal.

I spent hours carefully testing VPNs to discover which were the best to use with PayPal. I looked at security features, ease of use, and overall value, and I found several top performers. In the end, ExpressVPN is my top choice because of its wide server coverage and uncompromising security features.

Looking for more good VPNs? Check out our best VPNs for Chrome and best VPNs for gaming for more ideas. You can also browse our coupons page to find ways to save money on a VPN subscription.

To summarize, the best VPNs for Paypal in 2022 are...

Privacy Alert!

Your data is exposed to the websites you visit!

Your IP Address:

Your Location:

Your Internet Provider:

The information above can be used to track you, target you for ads, and monitor what you do online.

VPNs can help you hide this information from websites so that you are protected at all times. We recommend ExpressVPN — the #1 VPN out of over 350 providers we've tested. It has military-grade encryption and privacy features that will ensure your digital security, plus — it's currently offering 49% off.

Visit ExpressVPN

About the Author

Kate is a technology researcher and human rights columnist, animal lover, and all-round TV binge-watching enthusiast.

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