I would agree with @nomadtax maybe it would be a good idea to avoid using VPN for Paypal.
In the past 5 months I was traveling around Asia (I’m from Europe) and was regularly getting payed trough Paypal. I was logged in for sure in every country I and had no problems.
Few weeks ago I came back to my home Country and I was testing some VPN (ivacy).
I’v logged in to my account and have withdrawn some funds to my credit card.
But instead that my money is withdrawn like usually, I got notification that for security reasons my transaction needs to be checked and it will delay withdrawal for up to 2 business days.
If they confirm it’s ok, I get my money, if not they will return it back to my Paypal account and charge me some fee (probably something like ~ 5$ US).
Then after few hours I got long distance call from Paypal office, they were questioning me about my transaction. Usually if I talk to them, then they call from Ireland, but this call was from some bunker, it was a very bad reception and it was for sure very distant.
They said they are calling me because there is some suspicious activity in my account.
I already knew it should be because I login with different IP address ranges in short period of time.
I had to explain them what I do, and what is this money for.
Since I use Paypal invoicing I have a history, and usually all the same clients trough years now, so I used that as an argument that the money is for the services I provide.
We spent around 10 minutes talking on the phone and I was explaining myself, how I work and travel, and I also stated that if I’m on a public WiFi and I need to use banking or Paypal, then I log in trough VPN service.
Then they asked, when do I travel, will I travel more this year, to which countries I will travel, will I use Paypal again for invoicing, will I have regular monthly invoices.
Of course they say it’s for your own safety.
I’m not sure does VPN emits some kind of unusual traffic, or they have IP blacklist in Paypal.
But it sounded like they were very concerned.
Anyway, after 2 days they have release my funds and my money landed on my credit card as usually.
But I would avoid that type of call.
It’s like when you get to immigration and they start to ask questions …