5 Best VPNs for PayPal in 2024: Send Money Safely

PayPal restricts the use of anonymizing proxies and can detect some VPNs. While a VPN is a great solution to keep your financial data safe, some VPNs could result in a PayPal-locked account.

My team and I tested 43 VPNs and found the best VPNs for PayPal that won't get you flagged and blocked. All the VPNs on my list have worldwide server networks, so you can connect to your home country when using PayPal. Plus, robust security and privacy features for safe and anonymous online transactions.

ExpressVPN is my top choice due to its obfuscation technology hiding your VPN traffic, allowing you to use your PayPal account in restricted countries. Feel free to try ExpressVPN out risk-free as it’s backed by a 30-day money-back guarantee, so you can get a full refund if you’re not 100% happy. Editor's Note: Transparency is one of our core values at vpnMentor, so you should know we are in the same ownership group as ExpressVPN. However, this does not affect our review process.

Try ExpressVPN for PayPal >>

Short on Time? Here Are the Best VPNs for PayPal in 2024

Editor's Note: We value our relationship with our readers, and we strive to earn your trust through transparency and integrity. We are in the same ownership group as some of the industry-leading products reviewed on this site: Intego, Cyberghost, ExpressVPN, and Private Internet Access. However, this does not affect our review process, as we adhere to a strict testing methodology.

Best VPNs for PayPal — Full Analysis (Updated 2024)

1. ExpressVPN — Hides VPN Traffic to Avoid Your PayPal Account Getting Locked

Editor’s Choice Editor’s Choice Try Risk-Free for 30 Days
Tested December 2024

Available on:

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www.expressvpn.com

ExpressVPN's obfuscation technology disguises its traffic as regular HTTPS, reducing the risk of PayPal detection and blocking. This also helps in accessing your PayPal account in restrictive countries like Turkey and Iran. Your data is protected with AES 256-bit encryption, a military-grade standard. I found no IPv6 or DNS leaks when testing ExpressVPN on dnsleaktest.com. So, your online identity and activity stay private.

None of your data gets stored on hard drives — it gets erased on every reboot, thanks to ExpressVPN's RAM-only servers (TrustedServer technology). Being headquartered in the British Virgin Islands adds another layer of privacy since it's outside the major surveillance alliances of 5/9/14 Eyes. On top of that, its no-logs policy has been independently audited, so I’m confident you can use PayPal anonymously.

I like that ExpressVPN includes short descriptions of the provided protocols within its app

ExpressVPN has servers worldwide, so you can connect to your home country and access PayPal when traveling. It also works with every other online payment system I tested, including Payoneer and Skrill. Plus, its proprietary Lightway protocol uses less code than other protocols, so it's fast even over long distances.

On the downside, its price is high, starting at $4.99/month. However, ExpressVPN offers frequent discounts and a 30-day money-back guarantee. I saved 61% and got 3 months free on the long-term subscription (which you can purchase using PayPal or crypto). You can also use ExpressVPN on up to 8 devices simultaneously.

Useful Features

• Kill switch. You can enable Network Lock under Options/General. If the VPN drops, the kill switch prevents accidental data exposure by cutting your internet connection.
• Perfect Forward Secrecy. ExpressVPN regularly changes encryption keys. This means it won't be decipherable even if a hacker intercepts your data today. This is a welcomed extra layer of security for financial services like PayPal.
• Secure protocols. To provide the best performance, ExpressVPN has removed the unsafe and outdated L2TP/IPsec, SSTP, and PPTP protocols. Now, it offers Lightway, IKEv2, and OpenVPN.
• Split tunneling. This is great if you like to multitask and you need your local connection for services like nearby restaurants or news sites while accessing PayPal with a VPN.
• 24/7 customer support. ExpressVPN provides around-the-clock assistance via email and live chat. It took me only 3 minutes to approve my refund request using live chat. The money was in my PayPal wallet that same week.

2. CyberGhost — Straightforward Apps to Protect Your PayPal Transactions With One Click

Available on:

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Try CyberGhost VPN >

www.cyberghostvpn.com

CyberGhost's intuitive interface lets you securely make payments on PayPal in minutes. I installed it on my Windows laptop, connected to a UK server, and requested a PayPal invoice in under 5 minutes. Its Smart Rules feature allows you to auto-connect to a designated server every time you access PayPal, making it easy to bypass geoblocks when traveling. I used its one-click connect button during my tests, which automatically chooses the fastest available server.

I recommend considering CyberGhost’s Dedicated IP add-on so you can avoid PayPal Captchas

The VPN maintains your privacy with a strict no-logs policy that's been proven in court. Like ExpressVPN, it's headquartered outside the data-sharing pact of the 5/9/14 Eyes Alliances (in Romania). By blocking malicious ads and scanning for malware, the CyberGhost Content Blocker feature is handy when accessing PayPal, so you aren't tricked by disguised phishing attempts.

With its vast global server network, you can access PayPal from anywhere. The VPN consistently works with various online services, including those notorious for blocking VPNs, like Netflix. It also stands out with its fast speeds. I had the best results (only a 6% speed drop) using the WireGuard protocol.

One small con is that CyberGhost's monthly plans are expensive, especially with the shorter refund period. However, its long-term options cost only $2.19/month and offer an extended money-back guarantee. So, you can use CyberGhost free with PayPal for 45 days. There are various payment methods, including PayPal and Bitcoin.

Useful Features

• 7 simultaneous connections. You can use the VPN to make anonymous PayPal transactions on any devices without logging in and out.
• Automatic WiFi protection. This feature is indispensable if you use public WiFi for PayPal transactions. It activates CyberGhost VPN when connected to unsecured WiFi, offering instant protection against prying eyes.
• AES 256-bit encryption. This is top-tier encryption, the same caliber used by global institutions. This makes your PayPal data unreadable, so your personal and financial information always stays confidential

3. Private Internet Access — Vast Server Network to Access Your PayPal Account From Anywhere

Available on:

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Try Private Internet Access >

www.privateinternetaccess.com

With its expansive server network, Private Internet Access (PIA) is great at finding a working server to unblock PayPal. Its servers are also optimized for 10Gbps transactions, plus its unlimited bandwidth commitment means there's no cap on your online activities. Like ExpressVPN, it also offers obfuscation (through Multi-Hop), which makes it more difficult for anyone to trace your activities back to you.

Most other VPNs I tested only let you pick which apps will bypass the VPN

During my PIA test, WireGuard gave the fastest speeds. However, I use OpenVPN with AES 256-bit encryption for optimal PayPal security, though AES 128-bit is available. It also features two kill switches: a standard one, which hides your IP if the VPN disconnects, and an advanced version that keeps your internet off until the VPN is connected.

On the downside, PIA is based in the US, a member of the 5 Eyes Alliance. This can be a concern because of the risk of government surveillance. However, PIA follows an audited no-logs policy, meaning it doesn’t store your sensitive information.

Price-wise, it offers one of the best long-term deals at only $2.19/month. With its 30-day money-back guarantee, you can try PIA without risk. If you’re unhappy, just cancel your subscription for a full refund. The process itself is pretty straightforward. I made my refund request through the customer support form and received confirmation within 24 hours. My money was back in my bank account 5 days later.

Useful Features

• Unlimited simultaneous connections. You can use PIA on as many devices as you want and only pay for one subscription.
• Automation. Once configured, it enables your VPN to connect automatically when you open your PayPal app, so you're always secure and private during transactions. I found this particularly useful because I don't have to remember to connect each time.
• Dedicated IPs. For a small extra fee, you can get a dedicated IP address that only you will use. This can help avoid any red flags from PayPal when it detects frequently changing IPs.

4. NordVPN — Fast Speeds for Smooth PayPal Transactions

Available on:

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Try NordVPN >

www.nordvpn.com

All NordVPN servers I tested were fast, regardless of server distance. Its NordLynx protocol is built around WireGuard, so it can deliver better speeds compared to other VPN protocols. I only had a 12% speed loss on a US server I tested from Europe. This is impressive, considering the distance. You won’t be slowed down while making purchases or transferring money using PayPal.

Although disabling your internet access is safer, I find this option very convenient

Your PayPal transactions are protected by AES 256-bit encryption and a kill switch. You also have OpenVPN protocol and DNS/IPv6/WebRTC protection to prevent PayPal leaks. Use its specialty obfuscated servers to conceal your VPN traffic, and use PayPal anonymously.

There's a slight concern: if pushed by government authorities, NordVPN might agree to share data. However, I found its Panama headquarters and audited no-logs policy reassuring. Plus, you can route your traffic through two servers (Double VPN) for extra privacy, but this results in considerable slow downs.

It supports 10 simultaneous connections and offers 24/7 live chat support. There's also a 7-day free Android trial, as well as a 30-day money-back guarantee on all subscriptions, so you can try NordVPN for PayPal without hesitation. Payment options include PayPal, Google Pay, and more.

Useful Features

• Meshnet. This feature lets you access the internet using your device’s own IP address as if you were operating a VPN server. This is particularly beneficial while traveling; you can access PayPal via your home computer's IP, minimizing the risk of account restrictions or bans.
• Dark Web Monitor. It continuously scans the dark web for potential leaks of your personal data. If your PayPal-associated email is found in a breach, NordVPN promptly alerts you so you can take necessary actions.

5. Surfshark — Unlimited Connections to Use PayPal Safely on All Your Devices

Available on:

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Try Surfshark >

www.surfshark.com

Surfshark provides unlimited simultaneous connections and user-friendly apps compatible with all major devices and operating systems. I tested Surfshark by connecting 9 devices at once, including several smartphones, a PC, a Windows laptop, and an iPad. I didn't notice any effect on performance, confirming its reliability for multiple-use cases.

This VPN provides 256-bit encryption to secure your connection when utilizing PayPal. Similar to other VPNs mentioned, it also includes WebRTC, DNS, and IPv6 leak protection, coupled with a kill switch, ensuring your data stays private during transactions.

You can access your PayPal when traveling with Surfshark's servers worldwide

Unfortunately, its headquarters are in the Netherlands which has strict data retention laws. However, Surfshark mitigates this risk with its audited no-logs policy, meaning it doesn’t store your sensitive data, so there's nothing to hand over. For those who prioritize privacy, the option to pay with cryptocurrency is another reassuring feature.

You can always reach out to its 24/7 support for assistance. With pocket-friendly pricing at $1.99/month and a 30-day money-back guarantee, there's no financial risk in trying Surfshark for PayPal.

Useful Features

• Split tunneling. It allows you to choose which apps or websites use the VPN connection and which don't. When accessing PayPal, you can ensure a secure VPN connection, while your other apps remain on the regular network.
• CleanWeb. This tool actively blocks ads, trackers, and malicious websites. When accessing PayPal, this means you're shielded from potentially harmful threats. Having used it myself, I can confirm it offers a cleaner, safer PayPal experience.

Quick Comparison Table: PayPal VPN Features

All VPNs from this list have robust security features to safely use PayPal and global server networks for reliable access to your account when traveling. To help you pick the right VPN for your needs, here’s a side-by-side comparison of some of the most important aspects you should consider.

Editor's Note: We value our relationship with our readers, and we strive to earn your trust through transparency and integrity. We are in the same ownership group as some of the industry-leading products reviewed on this site: Intego, Cyberghost, ExpressVPN, and Private Internet Access. However, this does not affect our review process, as we adhere to a strict testing methodology.

Tips on Choosing the Best VPN for PayPal

Not all VPNs are suitable for PayPal. Some may inadvertently expose your financial transactions to potential hackers, which defeats the purpose of using a VPN in the first place. Consequently, I took into account the following key features to identify the top VPNs for PayPal:

• Strong security features. Security is crucial when it comes to picking a VPN for PayPal. All the VPNs on this list offer military-grade encryption, DNS and IPv6 leak protection, and a kill switch. However, I didn’t just take the providers’ word for it. I tested each feature and confirmed that it works on each VPN.
• Excellent privacy. To ensure your PayPal transactions stay anonymous, look for a VPN with a strict no-logs policy.
• Multiple server locations. A good VPN should have servers in multiple countries to increase your chances of accessing your PayPal account when traveling.
• Fast speeds. A low-quality VPN can significantly slow down your connection, leading to inconveniences like failed transactions. To avoid this, I tested all the VPNs covered here and confirmed that they all offer good connection speeds.
• Trustworthy money-back guarantee. You don’t want to pay for a VPN just to find out it doesn’t work with PayPal. I recommend choosing a VPN that gives you a grace period, either through a money-back guarantee, so you can test its compatibility with PayPal risk-free.

Editor's Note: Transparency is one of our core values at vpnMentor, so you should know we are in the same ownership group as ExpressVPN. However, this does not affect our review process.

FAQs on the Best VPNs for PayPal

Is using a VPN with PayPal illegal?

Using a VPN with PayPal is legal in most countries. However, you need to read up on your local laws regarding VPN usage, to make sure you're not breaking any rules. Additionally, only a few VPNs work with PayPal, as the platform actively works to detect users trying to circumvent PayPal's geo-restrictions or mask illegal activities. To avoid account suspension, make sure to adhere to PayPal’s terms of service.

Can I buy a VPN with PayPal?

Yes, many VPN providers accept PayPal as a payment method. When choosing a VPN, you can check their payment options on their website or during the checkout process to confirm if PayPal is available. You can buy premium VPNs, like ExpressVPN, via PayPal and try it risk-free as they're supported by money-back guarantees.

Can I use a free VPN with PayPal?

While you can technically use a free VPN with PayPal, it’s not recommended. Free VPNs often lack the advanced security features necessary to protect financial transactions and might also log your activity. A premium VPN with a tried-and-tested money-back guarantee is safer as it provides robust protection against snoops and hackers.

Why is PayPal banned in some countries?

Mostly due to local regulations, economic sanctions, or high fraud rates. PayPal may sometimes choose not to operate in regions where the risk or regulatory challenge is too high. If you’re traveling to an unsupported region, like Turkey or Iran, choose a high-quality VPN with obfuscation that can help you access PayPal like back home.

Should I use a VPN for PayPal?

You don't have to use a VPN with PayPal, but it can keep you safe and anonymous online. This is especially true if you're accessing your account from public WiFi networks. A VPN encrypts your data, reducing the risk of cyberattacks or data breaches. Compare different VPN providers to find the one that suits your needs.

Why is my VPN not working with PayPal and how to fix it?

PayPal might block some VPNs to prevent fraud. If your VPN isn't working with PayPal, try switching to another server or clearing your cache and cookies. Alternatively, pick a different VPN provider that’s tested to work with PayPal. Always ensure that your chosen VPN has a good reputation for compatibility and reliability with financial platforms.

Can I sign up for PayPal if it's unavailable in my country?

No, you cannot officially sign up for a PayPal account if it's unavailable in your country. PayPal requires users to provide verifiable information from supported countries, such as bank accounts or credit cards. Attempting to sign up using false information or from an unsupported country can result in your account being limited, restricted, or closed.

Get the Best VPN for PayPal

After rigorous tests, only a few VPNs can reliably access PayPal when traveling and will keep your transactions private. The ideal solution is a VPN with servers worldwide and advanced security and privacy features. Such a VPN enables you to access PayPal securely when you're abroad, mitigating the risk of triggering PayPal's fraud detection systems.

ExpressVPN is my top pick for PayPal. It offers military-grade encryption and obfuscated servers to safely use PayPal from anywhere. With its 30-day money-back guarantee, you can try ExpressVPN for PayPal risk-free.

To summarize, these are the best VPNs for PayPal...

Editor's Note: We value our relationship with our readers, and we strive to earn your trust through transparency and integrity. We are in the same ownership group as some of the industry-leading products reviewed on this site: Intego, Cyberghost, ExpressVPN, and Private Internet Access. However, this does not affect our review process, as we adhere to a strict testing methodology.

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