Unless you’ve been living under a rock, you know what PayPal is – and since you clicked on this post, we’re guessing you’ve got a vested interest in knowing what the best VPN is for it. With over 200 million customers worldwide, PayPal is the top online payment system in use for frequent online purchases.
But, if you try to access your PayPal account while traveling, especially in a different country, your account may get blocked – ironically, to protect you from fraud. Not to mention that when it comes to your money, you can’t be safe enough – and with PayPal acting as a pseudo bank account, your banking information may be placed at risk.
That being said, by using a VPN you can bypass both these issues: get around blocks when traveling or trying to pay for BitTorrents, and encrypt your data so it’s less vulnerable and likely to be stolen. In this guide, we’re going to show you what the best VPNs are for protecting your PayPal account.
Qualities of a good VPN for PayPal
If you don’t know the exact details to watch for, you can’t pick the best provider for what you need. So to do that, we came up with this list of must-haves that each VPN had to meet:
- Security – Needed to be 256-bit, with DNS leak tests and an automatic kill switch.
- Block-beating – Needed to be able to get around geo-blocks
- Network size – Needed to have a large, established network available globally.
- Speed – Needed to have high-speed connections, no bandwidth limits, and no speed caps or throttling.
- Zero-logging policy – Needed to record none of your traffic or data that passes through it, so that your information can’t be sold to 3rd
With that out of the way, let’s dive into the best VPNs for PayPal:
ExpressVPN offers you some of the fastest speeds on the market. You won’t find your speeds getting throttled, either with a strict no-throttling policy and unlimited bandwidth. Since VPNs are known for hindering speed in exchange for security, this is huge – and ExpressVPNs large network of over 2,000 servers across 94 countries means if you’re having speed issues, there’s always another proxy to connect to. Getting secure and around geo-blocks or censorships can be done without sacrificing much in speed.
ExpressVPN’s 256-bit encryption breaks down into 5 protocols, giving you further options for speed and security. Having trouble getting through a geo-block or past Netflix’s latest VPN-blocker? No problem! Just change the security protocol to SSTP, crush the block, and enjoy your content! DNS leak tests and an automatic kill switch round out your privacy.
Finally, their location is based in the British Virgin Islands, meaning ExpressVPN is exempt from major surveillance agreements, like the Five, Nine, and Fourteen Eyes agencies.
For more info, check out our full ExpressVPN review.
With over 5,100 servers across 62 countries, NordVPN is the largest provider in the VPN industry. Well-grounded, they give you enough server-options to make getting online easy. Advanced features mean NordVPN isn’t just for newbies to the VPN-game: you can find the servers that are best for specific use-cases. Some of these include Dedicated IP addresses and obfuscated servers, which are particularly helpful with PayPal, as you can get flagged for using a VPN. And since they’re based out of Panama, they don’t answer to other major governments’ requests for takedowns or logging records.
On the topic of logging, NordVPN offers one of the most complete zero-logging policies in the market: no logs on traffic, IP addresses, timestamps, bandwidth, or browsing history. They keep absolutely nothing that can be traced back to you. And with 256-bit encryption, customer DNS settings and leak tests, an automatic kill switch, you get perfect security.
Check out our full review to learn more about NordVPN!
CyberGhost is easy and fast to install. They offer 6 pre-configured profiles, so you can get started in quick and simple fashion with each use. With a single click, you can apply the best settings for your use-case, including torrenting anonymously, choosing your VPN server, unblocking basic websites, protecting your wifi connection, unblocking streaming, and surfing anonymously.
CyberGhost’s encryption would take millions of years for a supercomputer to break, so rest easy knowing you’re staying private and secure with your data wrapped up tight. And their no-logging policy is immaculate – the only thing recorded are anonymous log-in events once a day that accrue login statistics for unique users – and there’s no way to tie this back to you. They don’t even record your email!
Finally, CyberGhost gives you a strong network of 2,700+ servers in 60 countries, with unlimited bandwidth, high speed connections, and no speed caps or throttling. And with wide software availability and an automatic kill switch, you can be certain your device will connect to it and shut off the instant a drop occurs.
Take a look at our full CyberGhost review.
PrivateVPN gives you the choice to choose between 2 encryption strengths: 128-bit AES and 256-bit AES. And while PrivateVPN defaults to the 128-bit encryption strength, offering a strong balance of speed with security for most people, you can always bump up your security to the top-of-the-line 256-bit encryption. For both, you get the option to choose either the older, established encryption (CBC), or the newer Galois/Counter Mode encryption. GCM is generally accepted as more efficient and reliable, but you get the choice.
And PrivateVPN has mastered simplicity: for Windows, Mac, iOS, Android, Linux, and even Routers, they give you a 1-click setup. In just 60 seconds, you can go from unprotected and exposed, to secure and private – just download the software and connect.
PrivateVPN doesn’t keep any logs online – even they don’t know what you’re doing online! And although based out of Sweden, they have 100 servers in 57 countries, giving you a solid number of IPs to choose from.
For the full range of this provider’s benefits and features, check out our PrivateVPN review.
PureVPN provides you with over 2,000 servers, 300,000+ IPs, and more than 180 locations to choose from – getting connected doesn’t get easier than that, and you can switch servers as much as you want. That means if you’re having trouble getting or staying connected, having trouble with speeds, or stuck on a tough geo-block, you can keep changing servers until you find one that works.
PureVPN also offers a unique feature: alongside being able to simultaneously connect to up to 5 devices at once, you can also turn your Windows computer into a hotspot “virtual router.” So not only can you and all your friends or family connect to the internet securely when at home, you can also give them “free” wifi!
Lastly, PureVPN gives you 256-bit encryption, DNS leak testing, and an automatic kill switch, so you know your data and traffic are being kept private and secure.
PayPal and online privacy
Many people (200 million+) trust PayPal for sending and receiving money on a daily basis. They hope and believe their transactions are safe, secure, and protected. Yet while PayPal takes great measures to do so, they aren’t fool proof. People’s information – like your bank routing and account numbers, credit cards, email addresses, and physical addresses – travel across internet connections to reach PayPal’s services.
If this is a public connection, you’re opened up to hackers and identity thieves.
Further, when you buy online using your bank accounts, the merchant can see your personal info – including your account details, your name, and others. When you use PayPal, they can only see your name and identity information. Although this is better, you still aren’t completely anonymous. And, PayPal has to comply with governmental regulations – including reporting on individuals’ transactions as requested.
PayPal – No federal institutions
So while PayPal is pretty great, it can be improved on – it’s no federally-insured bank. While banks have wide networks to lean on to protect and secure your online transactions, PayPal is a lone service provider. Although they have excellent service and have established a strong name for their quality, they can’t provide you with the same level of security.
PayPal and freezing your account
PayPal can also freeze your account based off what they see you buy. Surprised? When you clicked “Agree” at the bottom of their user agreement (that you didn’t read), you gave them the power to shut down your account if they believe you are using it for illegal activities. Which basically means they can reject payments into your account and withdrawals from it at their discretion.
Yet there’s a problem here – what’s illicit in one country isn’t in others. Take P2P technologies, like BitTorrent. Laws surrounding them aren’t always black and white, leaving users’ online purchasing up to the discretion of PayPal’s policies in some areas. This means that by paying for a BitTorrent service with PayPal you might get shut down.
So, by using a VPN, you can pick an IP address in a country where activities like torrenting aren’t illegal and avoid these issues.
How to use a VPN for PayPal
So, after all that, how do you use a VPN to protect your privacy and security on PayPal? It’s simple: sign up with a VPN that hasn’t been blacklisted by PayPal (like one of the ones on this list). Then, download and install the app on the device that you want to access your PayPal account from. This varies with each VPN provider, but all the ones here are compatible with the major brands – Android, iOS, and Mac, as well as some others.
Next, sign into the VPN app. Then, connect to a VPN server in the location of your choice, wait for it to establish, and you’ll be good to go.
If you use PayPal, you should use a VPN to protect your info stored there. And if you BitTorrent or do other “grey-area” file downloading or sharing, you don’t want to be inhibited by PayPal policies, either. With this guide, you have enough of a start to finish researching the best choice for you.
Have you used a VPN for PayPal before? What was your experience with it? Do you have any questions or concerns about online privacy? We’d love to hear your thoughts in the comments section!