The best VPNs for PayPal: Send and receive money safely

A VPN is one of the safest solutions if you’d like to securely access PayPal. Here’s what you need to know about PayPal restrictions and an up-to-date list of the best VPNs for PayPal.

It’s not uncommon for multiple third parties to be able to see what you’re up to while you’re online. This potentially includes your ISP, the government, hackers, and advertisers. If you’d prefer to keep your data safe while accessing services like PayPal, a VPN is one of the best methods to do so. 

A VPN encrypts all traffic sent to and from your device, switching your IP address with another that matches the server location you’ve selected. Consequently, you’ll be able to access various geo-restricted sites and services in the country you’ve chosen. 

For example, you can use a UK server to access PayPal, BBC iPlayer, or any number of online services from Britain. The same applies to other regions, such as the United States and Japan, as long as the VPN has a relevant server location. 

In this article, we will explore the best VPNs for PayPal and guide you through the process of setting one up.

Best VPNs for PayPal: 

1. NordVPN: The leading VPN for secure PayPal access. Diskless servers in 126+ countries, fast speeds, streaming access, unique features, custom protocol, and a risk-free 30-day money-back guarantee.
2. Surfshark: Our top budget VPN for PayPal. Coverage in 100+ countries, unlimited device connections, and offers easy access to payment services in various regions. 
3. ExpressVPN: Premium VPN with consistent access to PayPal and global services. User-friendly apps, custom Lightway protocol, and great for streaming geo-restricted services worldwide.  
4. IPVanish: Provider with speedy self-owned servers in 140+ locations. Works well with PayPal and multiple US streaming services. 
5. Proton VPN: Free VPN servers in three countries, impressive speeds, streaming access, and a watertight logging policy. Highly advanced, with port forwarding for torrenting.
6. CyberGhost VPN: Great for streaming, has beginner-friendly apps for all devices, a large network to choose from, and NoSpy

Summary Table

If you need a VPN for PayPal, there’s a long list of services that can get the job done. We've been able to narrow the field with our inclusion criteria. Here are some of the non-negotiable characteristics we looked for when picking out the best providers for PayPal:

• Servers in the region you’d like to connect to are an obvious prerequisite. PayPal isn’t supported in some countries, but the VPNs we’ve selected have lots of servers to pick from
• Speeds are always important, especially if you don’t have the quickest connection to begin with
• PayPal access, as well as allowing the user to bypass restrictions for further sites and services from abroad 
• Privacy and security, including everything from notable features to available protocols
• To qualify for one of the top three positions, the VPN must operate a 100% diskless server network 
• The VPN provider must have also had its infrastructure audited by a reputable third party to be placed in our top three

For more information about the specific criteria we used to select the best VPNs for PayPal, please refer to the testing methodology section later in this article.

Best VPNs for PayPal in 2025

Here’s a roundup with detailed information about each of the VPNs that have made it onto this list.

NordVPN is the best VPN for accessing PayPal. It offers an impressive combination of robust security, fast speeds, and ease of use. Our extensive testing revealed that NordVPN consistently provides access to PayPal, even while visiting countries where the service is restricted. This makes it an ideal choice for travelers or individuals residing in countries with PayPal restrictions.

Security and privacy

NordVPN is known for its robust privacy features. It offers a choice of protocols with reliable encryption, including AES 256-bit (via OpenVPN) and the efficient ChaCha20 algorithm (via NordLynx). These advanced encryption methods ensure your PayPal transactions remain private and secure. We tested the VPN for IP, DNS, and WebRTC leaks and found it to be completely reliable. This means you can use it to connect to PayPal safely on public WiFi. 

Another excellent selling point is the third-party audit that NordVPN has completed. Deloitte tested its apps, servers, and policies to identify any gaps in the service. The VPN came back with a full bill of health, meaning it works as expected to protect your data. This ensures that your PayPal activity is always kept confidential.

NordVPN operates a network of diskless servers, which means it can remotely erase a server if necessary. This is an advantage if the VPN is ever raided, allowing the VPN to simply shut down a server to remove all the information passing through it.

The VPN also offers obfuscated servers, which conceal VPN traffic and enable users to bypass network restrictions in countries like China and Iran, where PayPal is often unavailable. This makes NordVPN a reliable option for accessing PayPal in restricted regions like the British Indian Ocean Territory, Cameroon, Central African Republic, Cuba, Côte d'Ivoire, and others.

Additionally, NordVPN's Double VPN feature adds an extra layer of encryption, providing even greater protection when making sensitive online transactions. However, this feature may slow down your connection slightly, so it's best used only when extra privacy is needed.

Performance and speed

Speed is crucial when performing tasks such as streaming or video conferencing. It is also a bonus for those who like to torrent. The good news is that NordVPN did not disappoint in our tests. We tested the VPN using both a high-speed test server and a typical home broadband connection to give you an idea of how the VPN will perform for you at home. 

Our speed tests showed that NordVPN had an average maximum download speed of 197 Mbps. This is a fantastic result, which means the VPN is currently one of the fastest on the market. It also maintained reliable speeds across various locations, including Europe, the US, and Hong Kong.

For our "real-world" assessment, we tested NordVPN on a Virgin Media home broadband connection in the UK. Without the VPN, the download speed was recorded at 145 Mbps. When connected to various server locations, we got the following results:

• UK (London server): Download speed of 126.88 Mbps, reflecting a 12.5% decrease.
• US (New York server): Download speed of 114 Mbps, reflecting a 21.38% decrease.
• Hong Kong server: Download speed of 118.32 Mbps, reflecting an 18.4% decrease.

These results demonstrate that NordVPN performs exceptionally well on a standard laptop and broadband setup. The drop in speed was pretty minimal, and, in practice, we didn’t notice it when streaming. We were able to continue all our day-to-day activities without interruptions. 

Features

NordVPN's split tunneling feature can be particularly useful for PayPal users. It allows you to choose which apps use the VPN and which bypass it, ensuring that your PayPal transactions are always protected without affecting other online activities. For example, you can route your browser through the VPN for PayPal while keeping other apps on a regular connection.

We also tested the auto-connect feature, which activates the VPN whenever you join a public WiFi network. This feature helps ensure your financial data remains secure when accessing PayPal on the go.

The system-level kill switch worked reliably during our tests, cutting off internet access if the VPN connection dropped, which is crucial for maintaining security during PayPal transactions.

Global server network

NordVPN offers over 8,100 servers in 126+ countries, providing excellent global coverage. This extensive network makes it easy to access PayPal even in countries where the service is restricted or blocked.

The app's server map makes it simple to select a server, while the search function allows you to pick a location based on your needs. Whether you are traveling or trying to access PayPal while living in a country where it is restricted, NordVPN's global presence ensures consistent access.

Streaming

Most people nowadays want a VPN that can provide access to home streaming services on vacation (and potentially also foreign TV services while at home). The good news is that NordVPN excels in both these areas. 

We tested the VPN thoroughly and found its servers to be some of the best when it comes to streaming optimization. We used the US servers to watch Netflix, Hulu, HBO Max, and ESPN without issues. The UK servers work perfectly to watch BBC iPlayer, ITVX, Channel 4, and TNT Sports from abroad. 

This VPN also works with a wide selection of international services. Joyn in Germany worked without issue. The Japanese servers could provide access to TVer, Asahi, NHK, and Hulu Japan. Crave was available on the Canadian server, and ATRES while using the Spanish server. This makes the VPN an impressive all-rounder.

Ease of use

NordVPN is available on all major platforms, including Windows, macOS, Android, iOS, and Amazon Fire TV. The apps are intuitive, making it easy for both beginners and experienced users to get started quickly.

For devices that do not support VPN apps directly, such as smart TVs or gaming consoles, NordVPN can be configured on compatible routers. The setup process is straightforward, thanks to detailed guides on the website, or you can purchase a pre-configured router for convenience.

Additionally, NordVPN operates out of Panama, a privacy-friendly jurisdiction, which means it is not subject to intrusive data retention laws. This commitment to privacy is further supported by 24/7 live chat support and a 30-day money-back guarantee, allowing you to try the service risk-free.

Buy this VPN if you are looking for:

• Secure and reliable access to PayPal from anywhere in the world.
• User-friendly apps with advanced privacy tools.
• An independently audited no-logs policy.
• A VPN with extensive server coverage for consistent access to PayPal.
• A diskless server infrastructure for enhanced data privacy.

Don't buy this VPN if:

• You require a VPN with a port forwarding feature.

BEST VPN FOR PAYPAL: NordVPN is our top recommendation for accessing PayPal securely and reliably, thanks to its exceptional privacy features, ease of use, and fast performance. Plus, it comes with a 30-day money-back guarantee, making it a risk-free option for PayPal users.

Read our full review of NordVPN.

Surfshark is particularly good for anybody in need of a quality VPN at a cheap price point. The VPN comes packed with useful features and a full bill of health in terms of privacy. This makes it ideal for bypassing censorship and website blocks at work. Or for using PayPal in countries where it is unavailable, as well as on networks where you need extra security. It even works to access PayPal in restricted countries like Cuba and elsewhere.

Security and privacy

Surfshark is a highly reputable VPN known for its attention to detail. It has a robust privacy policy that has been independently audited, and it provides access to advanced encryption protocols, including AES-256 (via OpenVPN) and ChaCha20 (via WireGuard). This makes it a safe option for accessing PayPal on public WiFi or in countries where it is restricted.

Our tests confirmed that Surfshark suffers from no IP, DNS, or WebRTC leaks. This ensures that your information stays private during PayPal transactions or any other activity.

Surfshark’s servers operate using diskless infrastructure. This means that no data is ever stored on a hard disk. This allows Surfshark to wipe any of its servers remotely simply by pulling the plug. This enhances security in an emergency and provides Surfshark with a means to erase all data in the event of a server raid.

Another useful feature is Surfshark's rotating IP option, which automatically changes your IP address at set intervals. This feature makes it harder for websites to track individuals. Just bear in mind that for PayPal, you are better off using a consistent IP for stability throughout the session (this will stop you from setting off any security alerts with your PayPal account).

Surfshark also supports a MultiHop feature that routes your data through multiple servers. This adds an extra layer of protection for particularly sensitive tasks, such as accessing censored content in countries like the UAE or Saudi Arabia.  

We tested the system-level kill switch by crashing the VPN using the task manager. The VPN cut our internet right away, preventing any data from traveling outside of the VPN tunnel. This makes the VPN suitable for torrenting and ensures that sensitive PayPal data remains protected at all times.

Performance and speed

Surfshark performed impressively in our speed tests. It was more than fast enough for activities like HD streaming and secure browsing. We tested Surfshark using both dedicated test servers and a standard home broadband connection, and it consistently achieved high speeds in both tests.

Surfshark's performance remained steady across different regions, whether connecting to servers in the UK, the US, or Hong Kong. These results mean users can access PayPal without experiencing lag or interruptions, even in locations far from their original server.

In our server-based tests, we got an average global top speed of 188 Mbps. This is plenty of overhead for the average home user, and shows that the VPN is equipped with superb Tier-1 servers:

Next, we tested Surfshark on a standard home broadband connection in the UK. Without the VPN, our download speed was 145 Mbps. Here’s how Surfshark performed when connected to different servers:

• UK (London server): Download speed of 130.53 Mbps, representing a 9.98% decrease.
• US (New York server): Download speed of 129.63 Mbps, representing a 10.60% decrease.
• Hong Kong server: Download speed of 123.76 Mbps, representing a 14.65% decrease. 

These speeds are perfect for data-intensive tasks like streaming and torrenting, making Surfshark a standout VPN for home users who want fast speeds at the best possible cost. 

Features

Surfshark's split tunneling feature allows you to decide which apps use the VPN. This means you can use your regular internet for some tasks while using the VPN for others.

The VPN is available across all major platforms. You can install it on Windows, macOS, Linux, Android, iOS, and Amazon Fire TV. This makes it accessible on smartphones, tablets, laptops, and desktop machines. 

It also allows unlimited connections, which means you can easily share your account with friends and family. This is impressive considering the low cost of the two-year plan.

Surfshark also includes CleanWeb, a DNS-based filtering tool that blocks ads, trackers, and malicious websites. This not only boosts security while surfing the web but also saves bandwidth and improves your browsing speeds by lowering page load times.

Global server network

Surfshark has a broad server network, with over 3,200 servers across 100+ countries. This extensive coverage ensures users can access PayPal in countries where the service might be restricted.

Surfshark also offers static IP addresses at no extra cost, which is useful for consistent access to services like PayPal, streaming platforms, gambling accounts, gaming platforms like Steam, or freelance work services like Fiverr. 

Dedicated IPs are also available for a small extra fee. This is useful for people who want to host a server or access resources on their LAN remotely via the VPN. 

Streaming

Besides providing access to your PayPal account while traveling, Surfshark also excels at streaming. The VPN effortlessly accesses a range of streaming services, including Netflix, Hulu, and BBC iPlayer, without buffering issues. 

The unlimited device support allows you and your household to enjoy streaming on various devices – perfect if you're on vacation and want to watch different shows while relaxing in the hotel. 

Ease of use

Surfshark’s apps are nice to look at and a pleasure to use. The apps are similar across all devices, which makes them less confusing when you switch from one to the next. We found all the settings easy to find, which meant we could easily configure and use the VPN for anything we needed. 

The VPN also provides 24/7 live chat support, ensuring that users have assistance whenever needed. With a 30-day money-back guarantee, Surfshark provides a free way to try its features for yourself.

Buy this VPN if you are looking for:

• A cost-effective solution for secure PayPal access and reliable online privacy.
• Unlimited device support with a single subscription.
• Advanced privacy features such as IP rotation, static IPs, and diskless server infrastructure.
• A balance of affordability and comprehensive global server coverage.

Don't buy this VPN if:

• You prefer a service that doesn't advertise optional security add-ons within the app.

BEST LOW-COST PAYPAL VPN: Surfshark is reliable for accessing PayPal in Cuba, Haiti, and any other country where it is blocked. It offers solid performance, a user-friendly interface, and unlimited connections. This means you can share your account with friends and family. 30-day money-back guarantee to test it yourself.

Read our full review of Surfshark.

ExpressVPN is a veteran VPN service that has been around since 2009. During that period, it has proven itself to be a trustworthy and reliable VPN for gaining online privacy. The VPN has servers in over 105 countries, and it is a popular choice for accessing PayPal, social media, international streaming, or anything else you want to access abroad, at work, or in school. The only slight downside is that it is more expensive than our top two picks. 

Security and privacy

ExpressVPN is designed to give users complete online privacy. It offers several protocols, including OpenVPN with AES-256 encryption. The OpenVPN protocol also provides obfuscation by default, making it a fantastic option for users who want to connect in countries that implement VPN restrictions.

As with the VPNs recommended above for PayPal use, ExpressVPN uses diskless servers. These never write any data to a hard disk, adding an additional layer of security and privacy by ensuring that data is in a constant state of flux (overwriting itself as new data arrives in the RAM).

ExpressVPN has a kill switch in all of its apps, which is labeled as the Network Lock feature. It will cut your internet connection anytime the VPN connection drops out to stop you from leaking unprotected data to the local network or ISPs. 

This ensures that your PayPal transactions are always safe against hackers on public WiFi. It also makes the VPN safe for torrenting without exposing your IP address to other peers (which saves your network from being probed by hackers for vulnerabilities).

The no-logs policy has been independently audited, as have its apps and servers. It is also based in the British Virgin Islands (BVI), a location that is free of mandatory data retention directives or invasive surveillance agencies.

Our leak tests confirmed that ExpressVPN does not expose any IP, DNS, or WebRTC information, making it a reliable choice for secure PayPal access without the risk of privacy breaches.

Performance and speed

ExpressVPN comes with its proprietary Lightway protocol. This is purposely designed to give you reliable security and faster speeds. It is also worth noting that Express has made its custom protocol open source. This means the code can be independently verified, which adds a lot of transparency and trust.

In our speed tests, ExpressVPN consistently performed quickly. It was able to provide lightning-fast speeds across all the locations we tested. This makes it a fantastic all-round service whether you want to stream, make video calls, torrent, or access regional services. 

To carry out our tests, we used a dedicated 1 Gigabit connection to test its top speeds and a home connection to simulate regular home use (which gives you an idea of how it will perform for you). The VPN had top speeds of 176 Mbps, which is fantastic.

Testing on a standard home connection in the UK with an average baseline speed of 116 Mbps on the day of testing. You can see the results of our VPN server tests below:

• UK (London server): Download speed of 106.34 Mbps, representing an 8.33% decrease.
• US (New York server): Download speed of 96.84 Mbps, representing a 16.52% decrease.
• Hong Kong server: Download speed of 105.36 Mbps, representing a 9.17% decrease. 

These speeds are more than sufficient for doing all your favorite activities, including gaming, streaming, and torrenting. 

Features

ExpressVPN’s split tunneling feature enables you to select which apps bypass the VPN. This means you can enjoy your unprotected internet for some tasks while doing others (such as torrenting) through the VPN. This flexibility makes the VPN more useful on a day-to-day basis.

The Advanced Protection settings offer DNS-based filtering to block ads, trackers, and malicious sites. This makes it safer to surf the web and helps to save on mobile data by reducing the amount of data you need to download from web pages. 

ExpressVPN offers custom apps for all major platforms. You can install it on Windows, macOS, Android, iOS, and Amazon Fire TV. There is also an app for routers, which you can install directly onto compatible routers to protect every single device in your home.

Global server network

ExpressVPN gives all users access to a vast network of servers. You can connect to 3,000+ servers in dozens of cities in more than 105 countries. This makes it a solid service for bypassing streaming blocks or accessing home services on vacation. 

The network is extremely stable and reliable, and all servers offer the same robust level of security. This makes it a solid option for using financial services like PayPal securely while traveling or on public WiFi. 

Streaming

ExpressVPN excels in accessing dozens of streaming services from around the globe. This makes it a fantastic option for anybody wanting to extend the amount of content they can watch on Netflix, Kodi, or simply by visiting global TV streams like the UK’s BBC iPlayer or Australia’s Ten Play in your browser.

In our tests, ExpressVPN worked seamlessly with Netflix, Hulu, ITVX, ESPN, Peacock, and many other platforms.

Express also offers a specialized MediaStreamer Smart DNS feature, designed to allow you to access US services on devices that cannot be directly installed with a VPN. For example, you can use the DNS address provided to change the location of a smart TV, console, or set-top box, allowing you to stream US TV from abroad on those devices.

Ease of use

ExpressVPN has apps that are extremely easy to understand and use. The VPN is very basic in terms of its layout, which means you can find everything without needing to search through multiple layers of menus. 

The VPN also offers 24/7 live chat support, along with video guides for assistance, ensuring users can get help whenever needed. We tested the agents with multiple technical questions and found them to be knowledgeable and helpful.

For those looking to protect all their home devices, the ExpressVPN router app provides a convenient solution, making it easy to secure your entire network.

Buy this VPN if you are looking for:

• A VPN that’s easy to set up on your home router for network-wide protection.
• Simple, user-friendly apps for secure PayPal access from anywhere.
• Consistent speeds for smooth transactions and private browsing.
• Reliable access in regions where PayPal may be restricted.

Don't buy this VPN if:

• You’re looking for a budget-friendly VPN, as ExpressVPN is a premium service.
• You need advanced features like MultiHop servers or port forwarding.

BEST FOR SECURE PAYPAL ACCESS: ExpressVPN offers strong privacy features, consistent speeds, and a reliable connection, making it perfect for accessing PayPal from anywhere. With top-tier security and a 30-day money-back guarantee, it's an excellent choice for users prioritizing safety and ease of use.

Read our full review of ExpressVPN.

IPVanish is a US-based VPN that has a decent reputation for privacy and accessibility. The VPN offers fast speeds, a reasonably large server network, and comprehensive security features. This makes it a solid option for users looking to access PayPal safely in countries like Pakistan, Bangladesh, Myanmar, and Nigeria, where PayPal is not available.

Security and privacy

IPVanish uses the OpenVPN protocol with AES-256 encryption. This prevents local networks or eavesdroppers from intercepting your traffic. As a result, you can feel free to log in and use PayPal on public WiFi.

The VPN has plenty of advanced privacy tools, including DNS and IPv6 leak protection, a kill switch that blocks internet traffic if the VPN connection drops, and XOR obfuscation for OpenVPN. For users who prioritize speed, IPVanish also offers the WireGuard protocol with robust ChaCha20 encryption. This is perfect for streaming and other data-intensive activities.

A notable feature of IPVanish is its Scramble option, which obfuscates OpenVPN traffic, making your VPN usage look like standard web activity. This helps you get connected to networks or countries that use firewalls to block access to VPN connections. 

That said, please note that IPVanish Scramble does not support users in China. 

The ability to select the port when using OpenVPN is another useful feature that can help bypass VPN blocks. Finally, we tested IPVanish and found it to be completely free of IP, DNS, and WebRTC leaks. This means you can trust it to gain privacy when using PayPal or any other service.

Performance and speed

We tested IPVanish using test servers and home broadband connections. We were impressed by the level of performance we encountered. Overall, the VPN is a solid option for data-heavy tasks such as streaming, gaming, and accessing PayPal quickly and securely.

We tested its network using our dedicated server in Ohio with a 1 Gigabit connection. The VPN achieved an average speed of 268 Mbps. This ranks it among the fastest VPNs currently available on the market.

For a more practical perspective, we tested IPVanish on a home connection in the UK, which had a baseline average speed of 145 Mbps on the day of testing. Here are the results we achieved when testing various global server locations:

• UK (London server): Download speed of 133.50 Mbps, indicating a 7.93% decrease.
• US (New York server): Download speed of 114.64 Mbps, indicating a 20.94% decrease.
• Hong Kong server: Download speed of 112.61 Mbps, indicating a 22.34% decrease.

These speed results are fantastic and mean that the VPN can be used for regular daily internet activities without any noticeable drop in performance.

Features

IPVanish comes packed with useful features. VPN subscribers all get access to split tunneling, a kill switch that blocks any data from escaping the VPN tunnel, and DNS leak protection.

An auto-connect feature is available that ensures that your VPN connects automatically when you join public WiFi networks or other unknown and untrusted networks.

What we like about the IPVanish auto-connect is that it also works in combination with the kill switch. This means that if you leave your VPN on while torrenting, you won't sometimes return to find your VPN disconnected and your downloads incomplete. 

We also love that IPVanish comes with an unlimited device connection allowance. This allows you to connect as many devices as you need on a single subscription. Families or users with multiple devices will greatly benefit from this allowance.

If value is most important to you, the IPVanish Advanced plan is almost impossible to beat. Not only do you get unlimited VPN, but it also comes with a secure cloud-based browser and 1 TB of cloud storage, providing substantial value for money compared to other VPN services.

Global server network

IPVanish has more than 2,400 self-owned servers in over 140 locations worldwide. Although this is fewer than some competitors, the servers are strategically placed to ensure good coverage for accessing PayPal globally. 

The fact that the servers are self-owned by IPVanish's parent company is also important because it means that no third-party companies are involved in managing the network. This improves security and privacy for its users.

Streaming

Those wanting a decent all-rounder VPN will find that IPVanish ticks this crucial box, particularly for accessing US streaming platforms. 

The VPN has servers in 18+ US cities, which makes it a fantastic option for accessing regional state-level TV services or bypassing blackout games on services like MLB TV and NFL Game Pass.

In our tests, it worked to access Netflix US, BBC iPlayer, and Channel 4, with no noticeable drop in quality. It also works with Hulu, HBO Max, Prime Video, ESPN, and other US services.

However, please note that this VPN should be tested with other international streaming platforms using the 30-day money-back guarantee. Most US, UK, and European services should work fine, but streams in other places might not work.

Ease of use

IPVanish offers easy-to-use apps for all major platforms, including Windows, macOS, Android, iOS, and Amazon Fire TV. The interface provides useful connection information, such as server load and IP address details, helping users make informed choices. The Smart Location feature also suggests the best server based on load and proximity, which makes finding an optimal connection hassle-free.

The VPN also offers 24/7 live chat support for any assistance needed, ensuring users can always get help quickly. If a bot responds initially, users can ask to be connected to a human agent for more personalized support.

Buy this VPN if you are looking for:

• A fast VPN suitable for accessing PayPal securely from anywhere, including countries where PayPal is restricted.
• Unlimited device connections on a single subscription for family use.
• Strong security features like split tunneling, kill switch, and auto-reconnect.
• An advanced plan with extra features like a secure browser and 1 TB of cloud storage for great value.
• Reliable servers in over 18 US locations, ideal for bypassing blackout games and accessing region-specific services.

Don't buy this VPN if:

• You need a VPN that works reliably in highly restrictive countries like China.
• You require advanced features such as MultiHop servers or port forwarding.
• You prefer to pay for a VPN using cryptocurrency, as IPVanish does not offer this option.

BEST FOR US TV STREAMS: IPVanish is a flexible VPN with fast speeds and super reliability. It has robust security features, making it a solid choice for PayPal users. With its unlimited device connections, strong security features, and a value-packed advanced plan, it is perfect for families looking for high value. 

Read our full review of IPVanish.

Proton VPN is a highly advanced VPN known for its dedication to privacy. The team behind Proton Mail developed the VPN. This gives the VPN an excellent reputation. It is also based in Switzerland, a country that lacks mandatory data retention directives that apply to VPNs.

The provider has been validated multiple times using independent third-party audits. This means you can trust it to keep your PayPal activities safe on public WiFi or abroad. Best of all, this VPN has many advanced features, which suit those who want port forwarding and a broad range of customization options.

Security and privacy

Proton VPN is an excellent option for anybody looking for a highly robust VPN. The apps come packed with privacy features, including a choice of protocols, AES-256 encryption, DNS and IPv6 leak protection, a kill switch that prevents data leaks if the VPN connection drops, and MultiHop to route your data through multiple servers.

These features will keep your PayPal transactions secure, no matter where you want to log in and use your account for shopping or other purposes, such as receiving payments. 

For additional security, Proton VPN offers obfuscation that disguises VPN traffic. You can also opt for Tor over VPN, which lets you access the Dark Web without your ISP knowing. Proton VPN comes with its unique Secure Core servers, which are hosted in hardened locations like underground bunkers.

Proton VPN also includes NetShield, a feature that blocks ads, trackers, and malware to protect users further. This makes Proton VPN one of the most advanced and feature-packed VPNs on the market. Plus, the no-logs policy has been fully verified. 

We tested the VPN for leaks and found it to be free of any IP, DNS, or WebRTC leaks. This means the VPN is completely secure for bypassing censorship, and preventing anyone from tracking your activities, including PayPal use.

Performance and speed

In our server-based tests, Proton VPN achieved average max speeds of 303 Mbps (across the three locations tested). This places it in the top echelon of VPN services, ensuring it is a reliable option for torrenting, gaming, and streaming in 4K. 

To show you how the VPN is likely to work for you at home, we also conducted home broadband tests. I tested using a Virgin Media home broadband connection in the UK. My connection had a baseline speed of 109 Mbps on the day of testing. Here are the results:

• UK (London server): Download speed of 91.09 Mbps, representing a 16.43% drop.
• US (New York server): Download speed of 70.26 Mbps, representing a 35.54% drop.
• Hong Kong server: Download speed of 68.44 Mbps, representing a 37.21% drop.

These speeds are pretty decent, but it is fair to say it was not the fastest VPN that we tested. The VPN would still give you decent performance for streaming and torrenting. However, those wanting the fastest possible VPN may prefer to shop elsewhere.

The fact that Proton VPN advertises its “Accelerator” technology, which it says is designed to improve speeds using multiple processor cores. However, in our tests, the VPN was not as fast as some of our other recommendations, so this technology seems a little lackluster in practice.

That said, the VPN performed great when we were streaming in 4K on Netflix, which means it’s an extremely capable VPN.

Features

Proton VPN has apps that come packed with features. This makes it a highly advanced and versatile option for techy users wanting more control over their VPN.

The VPN includes split tunneling, allowing you to choose which apps use the VPN. It is also one of the few VPNs that comes with port forwarding for torrenting, which makes it an even better all-rounder. 

Just bear in mind that the port forwarding feature opens one random port per session, so you'll need to set that specific port in your torrent client each time. A touch inconvenient, but not a big deal overall.

Proton VPN also allows users to create custom profiles for quick access to specific server types, such as streaming-optimized or P2P-optimized servers. Plus, the interface provides helpful icons to help you identify the server you need for activities such as torrenting, streaming, or Tor over VPN.

Global server network

Proton VPN has a wide choice of 13,000+ servers in 120+ countries. This ensures access to PayPal and other restricted services from anywhere in the world. It even works in China and other countries with heavy censorship.

The VPN’s intuitive map feature allows you to easily select servers around the world, making it simple to find the best location for accessing local services or content.

Streaming

Proton VPN has streaming-optimized servers that you can identify by looking for the play button (triangle) next to each server. 

We tested these servers and found the VPN to be very reliable for accessing platforms like Netflix US, Hulu, HBO Max, and Amazon Prime Video. It also has streaming services in most countries and regions.

However, we would advise testing these with your personal streaming accounts using the 30-day money-back guarantee. If, for any reason, it doesn’t work with your favorite streaming services, you can simply ask for a refund and try something else.

Ease of use

Proton VPN is available across all major platforms, including Windows, macOS, Android, iOS, and Linux. Subscribers can use the VPN on up to 10 simultaneous devices, which is enough for most power users and families. 

Admittedly, this VPN has a lot of advanced features, which can be a bit confusing for beginners. However, the VPN comes set to use in its default configuration, so you don't need to learn everything all at once. Proton also provides built-in explanations for each feature, making it accessible even for beginners.

Proton VPN offers a free plan with no data cap and three server locations. The free plan provides the same privacy level as a paid account. However, Proton VPN free will not work with streaming services and lacks some of the advanced features such as port forwarding. This limits how useful the free version is.

Buy this VPN if you are looking for:

• A privacy-focused VPN with advanced features like Secure Core, MultiHop, and Tor over VPN.
• A fast VPN with a global server network covering 120+ countries.
• A customizable VPN with options like split tunneling, port forwarding, and profile creation.
• An advanced plan that includes secure cloud browsing and 1 TB of cloud storage for added value.

Don't buy this VPN if:

• You are looking for significant discounts on long-term plans.
• You’re a VPN newbie who may be overwhelmed by all of the advanced features.
• You want a VPN with a hassle-free port forwarding feature.

ADVANCED FEATURES AND PRIVACY: Proton VPN combines top-notch privacy tools with strong global coverage, making it ideal for those who need security and flexibility. With its advanced plan and a 30-day money-back guarantee, it’s a great option for both casual users and privacy advocates.

Read our full review of Proton VPN.

CyberGhost VPN is a fantastic option for anybody on a budget who wants a reliable VPN for PayPal. The VPN is based in Romania, a country that lacks invasive surveillance agencies and overreaching regulations. It is also one of the easiest VPNs to use.

CyberGhost offers fast speeds and an ultra-massive server network, and despite being low-cost, it has plenty of useful features for gaining online privacy and security. This makes it popular among home users, and people wanting to access their accounts (such as PayPal) securely on public WiFi or in countries where PayPal is restricted, like Cuba and Turkey.

Security and privacy

CyberGhost VPN comes with everything you need to keep your browsing private at home, at work, on public WiFi, or while traveling abroad. The VPN has a no-logs policy, which means it never retains records of your activities. Additionally, the VPN has undergone a third-party audit, ensuring you can trust it to handle your data as promised.

The VPN supports multiple secure protocols, including OpenVPN, WireGuard, and IKEv2. These are all implemented with solid encryption to keep your data completely secure.

CyberGhost also includes essential security features like a system-level kill switch and DNS leak protection, meaning your PayPal transactions are always protected.

The Smart Rules feature lets you automatically connect when you join an unknown or unprotected network based on your choices. This keeps you safe on the move and ensures the VPN protects you even if you forget to turn it on. 

CyberGhost also publishes quarterly transparency reports. This allows you to see whether CyberGhost has had data requests and reassures users that the VPN delivers on its promise of protecting user data.

So what are the drawbacks? CyberGhost does not include obfuscation. This means it is not the best option if you are traveling to countries that block VPNs. You also don't get port forwarding.

Performance and speed

CyberGhost is impressively fast, especially considering its cost-effective VPN pricing. Our tests using a dedicated test server with a Gigabit line revealed an average top speed of 289 Mbps.

To simulate regular home use, we also tested CyberGhost on a standard home broadband connection in the UK. My internet had an average baseline speed of 100 Mbps on the day that I tested CyberGhost. Here are the results:

• UK (London server): Download speed of 83.67 Mbps, representing a 16.33% decrease.
• US (New York server): Download speed of 83.50 Mbps, representing a 16.5% decrease.
• Hong Kong server: Download speed of 82.79 Mbps, representing a 17.21% decrease.

As you can see from the home test results, this VPN is not only fast but exceptionally consistent. We had almost identical performance when connected to servers on the other side of the world as we did to those in the same country as us (the UK). This makes it a fantastic option for data-intensive tasks such as streaming and gaming. 

Features

CyberGhost VPN has a lot of features considering it starts at just a couple of dollars per month. Users can connect up to seven devices simultaneously, which is usually more than enough for most households (and power users with many devices).

Additionally, CyberGhost provides DNS-based ad, tracker, and malware blocking, improving browsing speeds and saving data. This saves on mobile data, improves page load times, and ensures that you are safer against trackers.

So what is it lacking? You won't find advanced features like MultiHop, port forwarding, or split tunneling. If you want these features, we advise checking our other recommendations to find a VPN that has all these features.

Global server network

CyberGhost has a network of over 11,500 servers across 100+ countries. This makes it easy to securely access CyberGhost from countries like Haiti, Turkey, Cuba, and Pakistan.

The server list is categorized by use case, including servers optimized for streaming, torrenting, or enhanced privacy through NoSpy servers. The NoSpy servers are specially hardened and self-hosted to provide extra protection, ideal for journalists, lawyers, and others needing a higher level of privacy.

CyberGhost also offers dedicated static IPs for an additional fee. These IPs provide consistent server access that is reserved for your use only. This upgrade is useful for people who need a VPN to access gambling sites, freelance work platforms like Fiverr, and any other service that might penalize you for frequent IP changes.

Streaming

CyberGhost is one of our favorite VPNs for streaming. It has dedicated servers optimized for streaming across more than 20 countries. These are listed by country, and service making is a cinch to find the one you need. 

In our tests, it worked flawlessly with popular services like Netflix US, Hulu, HBO Max, and BBC iPlayer. Thanks to its fast Wireguard protocol, we were able to stream 4K videos without any buffering.

Ease of use

CyberGhost has well-designed apps for all major platforms. You can install it on Windows, macOS, Android, iOS, and Amazon Fire TV. The interface is intuitive, making it easy for beginners to select servers and adjust security settings.

For those wanting to protect their home at the router level, CyberGhost offers setup guides for routers that support OpenVPN. You can also buy it pre-flashed onto a router from FlashRouters.com.

If you have any trouble setting up or using the VPN, you can talk to the 24/7 live chat support. We found the agents to be knowledgeable, polite, and fast at dealing with our requests.

Buy this VPN if you are looking for:

• A fast, affordable VPN with a large server network for streaming and general use.
• A beginner-friendly VPN with simple apps for all major platforms.
• Strong privacy practices, including a no-logs policy and transparency reports.
• A VPN that works well for accessing PayPal, even in locations where it is blocked.

Don't buy this VPN if:

• You need advanced features like MultiHop, port forwarding, or split tunneling.
• You require obfuscation to bypass VPN blocks in countries with strict censorship.
• You want a VPN that offers unlimited simultaneous connections.

BEGINNER-FRIENDLY AND AFFORDABLE: CyberGhost is an easy-to-use VPN that combines speed and privacy, making it an excellent choice for users seeking reliable PayPal access and streaming capabilities. With a 45-day money-back guarantee, it’s a good choice for anyone wanting to try a straightforward VPN.

Read our full review of CyberGhost VPN.

Testing methodology: How we pick the best VPNs for PayPal

At BleepingComputer, we employ a comprehensive VPN testing methodology designed to identify the best services for accessing PayPal.

We have carefully refined our testing methods over time, using scientific metrics to compare each VPN with precision. Our metrics focus on important factors such as security, privacy, performance, ease of use, and overall value. This ensures that we only recommend the best VPN for each specific use case, including accessing PayPal.

To provide you with complete transparency about how we test and recommend VPNs, we’ve provided an overview of our testing methods below. 

Speed testing

Consumers seek a fast VPN for various reasons. Speed is critical to ensure that the VPN does not negatively affect the internet speeds for which you pay your ISP. Unfortunately, many VPNs have sluggish servers that can slow down your internet by 50% or more (some have been known to reduce internet speeds by as much as 90%).

A VPN that causes such a massive drop in performance is a huge hindrance, making it hard to do day-to-day tasks. In this guide, we were careful only to recommend the most reliable VPNs with fast server networks and protocols like WireGuard (which is designed to give you the very best performance with only minimal overhead).

To check how each VPN performs, we conduct detailed speed tests that evaluate each VPN’s impact on internet speed.

Our speed testing includes dedicated server-based testing carried out at three different times to get an average top speed, and home broadband tests to ascertain how the VPN performs under a normal home internet setup.

We carry out these tests multiple times throughout the day – morning, noon, and evening, and test various global locations. 

For each VPN, we compare the speeds with and without a VPN connection. This lets us see how much each VPN slowed us down, letting us guide customers to the fastest services available. 

Different VPNs may perform better in different regions, which is why we show averages for each region that we test. For example, if you need a fast VPN connection to servers in Europe for PayPal access, you may prefer a different service than someone focused on connections in Asia.

Streaming and content access

We tested each VPN's ability to securely access popular global streaming services like Netflix, HBO Max, Disney+, BBC iPlayer, and Amazon Prime Video. Though this guide primarily focuses on PayPal, we recognize that many users value VPNs for accessing restricted content as well.

During our tests, we assess streaming quality, buffering issues, and the consistency of bypassing geo-restrictions. VPNs that successfully unblock a variety of services and offer reliable streaming performance earn higher marks. Some VPNs, such as NordVPN, perform exceptionally well in accessing multiple streaming services, while others may encounter occasional blocks or speed limitations.

Security and privacy

Security and privacy are the most crucial aspects of any VPN. This feature is critical for ensuring secure access to PayPal and handling sensitive financial information with added privacy and protection.

As part of our auditing process, we analyze each VPN’s security features – such as the encrypted tunnel, DNS leak protection, and kill switch feature. Below, we have included a list of things we check for:

• Encryption: We verify that each VPN offers strong encryption, such as AES-256, to protect data during PayPal transactions.
• Leak protection: We perform DNS and IPv6 leak tests to ensure no user data is exposed while connected.
• Kill switch: We test whether the VPN’s kill switch functions reliably, ensuring that internet access is blocked if the VPN connection drops.
• Logging policies: We examine the provider’s logging practices, prioritizing VPNs with independently audited no-logs policies.

Each VPN is rated based on its adherence to these security standards. We also consider any third-party audits, the use of RAM-only servers, and additional privacy features that make certain VPNs stand out.

Ease of use

A VPN must be easy to use to make it accessible to beginners. Even advanced VPNs should make an effort to make their apps and features easy to navigate, learn, and use. 

To find the most reliable VPNs, we check each VPN's User Interface, installation process, and whether it is available for different platforms (such as Windows, macOS, Android, iOS, Linux, and routers) to assess ease of use.

Our evaluation also includes testing customer support. We conduct mystery shopping by contacting support agents via live chat and email to evaluate the responsiveness and helpfulness of their service.

We also consider how easy it is to configure the VPN for PayPal access, including finding the appropriate servers. VPNs that offer intuitive, easy-to-navigate apps, such as CyberGhost, score higher. Additionally, we check how straightforward it is to cancel subscriptions or request refunds to ensure users have a hassle-free experience.

Value for money

Cost is an important consideration, but price alone doesn’t determine quality. We assess VPNs based on how much value they deliver relative to their cost. Some VPNs that charge high monthly rates may offer limited features, while others that cost less provide excellent value.

Our analysis includes the following factors:

• Money-back guarantees and trials: We look for VPNs that offer risk-free trials or money-back guarantees.
• Connection limits: We assess how many devices can be connected simultaneously.
• Discounts and special offers: We consider any available discounts that make a VPN more affordable.
• Features included: We evaluate whether the price includes essential tools like strong encryption, streaming capabilities, and global server coverage.

By combining these factors, we identify VPNs that deliver the best value for users needing secure PayPal access.

For more information about our testing process, please visit our detailed methodology guide.

How to use a VPN with PayPal

Setting up and using a VPN with PayPal is easy, even if it may be a bit daunting for new users. You will need to have a PayPal account already for this method to work. 

Here’s how to set up a VPN for PayPal:

1. Pick a VPN service that works with PayPal. We highly recommend NordVPN, as it's highly reliable, offers advanced security features, can access geo-restricted services with ease, and has a vast global server network. Plus, it comes with a risk-free 30-day money-back guarantee.
2. Sign up, and download the relevant VPN app to your device. Both Surfshark and IPVanish offer unlimited simultaneous connections.
3. Open the app, and sign in with your login credentials. 
4. Select a server in the region you want to connect to. Wait to be connected. 
5. You should now be able to log in to PayPal. That’s all it takes to get started!

Now, you’ll be able to access sites and services available in the region that you’ve connected to, and your data will be encrypted in the process. If you’re having issues, make sure to clear your browser’s cache and cookies.

Note that the change in IP address might require you to log back into PayPal and/or solve a CAPTCHA.

PayPal VPN FAQs

Can I use a free VPN for PayPal?

It might be possible to use a free VPN for PayPal, but it’s inadvisable for a number of reasons. The payment service is likely to have blocked the IP addresses used by free providers, so it’ll be tough to find a free VPN that can get the job done reliably. 

It’s not a good idea to use a free VPN for anything relating to personal finance, especially as some have been found to contain adware or malware. 

Many free VPNs have sold user data, and others are lacking when it comes to everything from server choice to connection speeds. Bandwidth is usually capped, so it’s always a good idea to stick to a service that doesn’t see your data as a product to be sold. 

Why is PayPal unavailable in some regions?

PayPal is available in over 200 countries, but that does mean that some regions aren’t covered by the payment processor. Some locations don’t have enough users to justify PayPal offering its service, while others have been restricted due to sanctions by countries like the United States. 

The potential for online fraud is another reason why PayPal might not be available in a specific region. Legal issues could also be an explanation, especially if a country lacks the necessary financial regulations for PayPal to safely do business. 

PayPal may only allow the user to send money in certain regions, which is annoying if you’d like to receive payments too. 

Can PayPal detect VPN usage?

PayPal can detect the use of a VPN, especially if it’s a service that isn’t attempting to mask that you’ve connected to a server located elsewhere. Ensure that you stick with a secure VPN that has strong security measures and lots of locations to pick from.

Can I sign up for PayPal if it’s not available in my country?

It’s going to be extremely difficult to sign up to PayPal from abroad, even if you use a VPN to mask your current location. 

If you try to access PayPal from a different region, you won’t be hit with an error message. Instead, users are able to access any version of the PayPal website. As a consequence, you won’t be able to sign up with the service without a payment method linked to a local address. 

It’s not unheard of for PayPal users to be targeted by cyberattacks, such as when a credential stuffing attack occurred between December 6 and December 8, 2022. This led to 34,942 of its users having been impacted by the incident. However, the platform is generally safe, even without a VPN. 

Any users who purchase a VPN subscription with PayPal will be storing their real name, and possibly their address and bank details. Many VPNs allow the user to sign up anonymously with payment methods like cryptocurrencies.   

Is it legal to use a VPN with PayPal?

It’s legal to use a VPN with PayPal, insofar as you won’t be breaking the law if you do so. Bear in mind, VPNs are banned or blocked in some countries, including China and Russia. 

Using a VPN may go against PayPal’s terms of service. A PayPal community moderator notes:

“The use of a VPN, or any sort of proxy, is not permitted when using PayPal. For more information about restricted activities, please take a look at the PayPal User Agreement, which can be found by clicking Legal at the bottom of any PayPal page.”

How does PayPal know where I am accessing it from?

Sites and services like PayPal use your IP address to identify your current location. This makes it easy to find out the country in which a user is based. It makes no difference whether you’re using PayPal’s website or app, the service will still be able to see the user’s IP address. As a VPN masks your IP address, you’ll be able to access various geo-restricted sites and services while it’s active.