How to pay for a VPN anonymously with a prepaid debit card.

Some VPN users would like the option to pay for their VPN anonymously, but Bitcoin payments have a big learning curve, and it’s intimidating for people that have never used it before. And even then, not all VPN providers accept bitcoin.

But fear not. There’s any easier way to pay anonymously, and it’s virtually untraceable if you want it to be. And you can pick up this amazing payment device at your local pharmacy, Target, or grocery store.

The secret?

Prepaid debit gift cards!

These prepaid cards can be bought with cash (untraceable) and used just like credit cards to buy almost anything online, including VPN service.

Some people have reported their prepaid cards getting declined for online purchases, but that’s because they didn’t know the one simple trick that will make sure your payment is processed correctly every time.

We recommend using the OneVanilla prepaid VISA card, as they’re available almost everywhere (at least in the USA) and they can easily be loaded with any amount from $20-$500. They can even be used for recurring VPN subscriptions (until your prepaid balance runs out).

What you’ll need for this tutorial:

  1. Prepaid debit card (OneVanilla)
  2. Anonymous internet connection (public wifi, Tor, other VPN)
  3. A VPN you want to subscribe to. We recommend IPVanish (save 25%)

What is a prepaid debit card?

A prepaid debit card functions almost exactly like a credit card. In fact, many of them don’t require a PIN number to use, you can just run them as credit anywhere that debit cards are accepted.

But instead of linking these cards to a bank account or paying a bill every month (like a credit card) you just purchase these cards with a specific spending balance already loaded on the card ($50, $100, $200 etc…).

There are two types of prepaid cards: Reloadable, and non-reloadable/gift-cards. The reloadable cards require ID and an SSN to sign up, but the non-reloadable/gift style cards don’t require any personal identification and can be paid with cash for totally anonymous transactions.

Where to buy

Most major pharmacy chains have an entire display rack of prepaid and gift cards. They’re also sold at some supermarket chains, and even big-box stores like Target and Walmart.

Major retailers that sell prepaid cards:

  • CVS
  • Rite-Aid
  • Walgreens
  • 7-eleven
  • Dollar General
  • Target
  • Walmart

Which prepaid card to choose?

We highly recommend the OneVanilla flexible-load gift card. The main reason, is the OneVanilla website actually lets you assign a billing zip-code to the card (using their web portal). This allows the card to pass the fraud checks of most online retailers, where other cards would get rejected.

You can use any zip code you want, and no proof of address (or billing address) is required. You can also use whatever name you want during online checkout.

Main Takeaway: Use the OneVanilla prepaid VISA, because you’ll need to assign a zip code to your card to shop online.

Steps to pay anonymously

Here are the steps to follow in order to pay anonymously with your prepaid debit card:

#1 – Buy your prepaid debit card with cash

This should be a no-brainer. If you pay with credit, there will be a direct connection linking you to the account number of the prepaid card you purchased. Cash is still untraceable (or practically so). Many locations (like CVS) only take cash payments for the OneVanilla anyway (to prevent chargeback fraud).

#2 – Register a zip code for your card

The awesome thing about the OneVanilla card is the website lets you add a zip code to your card without requiring any additional personal information. This allows you to use the card for most online transactions.

Important Note: If you want maximum privacy, you should use an anonymous IP address when visiting There are 3 different methods you can use. Choose your favorite:

  1. Use a VPN (preferably zero-log).
  2. Use the Tor Browser (free)
  3. Use a public wifi network (Cafe, Library, Airport, etc)

To set your zip, go to

Login with your card information

You login to the web portal by entering your CC number, expiration date, and security code (3 digits on the back).

OneVanilla prepaid Visa login
Login to OneVanilla website with your credit card

Add a zip code

On the left of the screen, you’ll see a heading that says “My Account.” Under this is an option to “Assign Zip Code.” Click that tab, and you’ll see this screen…

Add a zip code to OneVanilla card
Enter any valid zip code

There is no verification of any kind (other than that it must be a real zip code). You can use any zip you want, from any state. Heck, be fancy and choose 90210 (Beverly Hills, CA).

Click ‘Save’ and you’re all set. The card is now ready to shop online.

Buy your VPN using the card

Now that you’ve setup your billing zip code, you’re ready to buy your VPN. This same method is perfect for any digital subscription that doesn’t require an actual address for you to receive mail. Examples include: Netflix, Hulu, Seedboxes, Encrypted webmail, etc…

We recommend IPVanish or Private Internet Access if you’re looking for a high quality VPN provider. They’re our two top rated VPNs, and have a history of excellent, secure service. IPVanish is one of the world’s fastest VPNs, and a true zero-log provider. PIA is also zero-log, and an amazing value at $3.33/month. It’s not quite as fast as IPVanish, and it’s software isn’t as polished, but it’s still the best bang-for-your-buck of any cheap VPN.

The awesome thing about IPVanish, is they don’t even require a billing address for credit card payments. Just a zip code (which you’ve got!). If you want to pay for a service that does require an address, you can just use any address in the zip code you chose.

#1 – Visit the provider’s website using anonymous IP address

Go to (or your chosen provider’s) website using the same anonymous IP method from step #1 before. Note: sometimes credit card payments via Tor IP addresses get flagged and declined, so you may wish to just use a public wifi network to avoid the hassle.

#2 – Choose ‘Credit Card’ as your payment method

First enter your email address (make sure to use a VALID email, because this is how they send you your password. You create a new email account just for your VPN subscription if you want).

Then choose ‘Credit Card’ as the payment method.

Note: You can use literally any first/last name combination for the billing information. It doesn’t matter. Just make sure to enter the billing zip code you setup in the previous step.

Obviously the credit card number, expiration, and CVC code must exactly match your card.


#3 – Enjoy your improved online security and anonymity

Your VPN password will be emailed to you within 10 minutes (usually sooner). It’s recommended you change your password to something other than the initial password, to something you can remember (and isn’t just sitting around in your email account).

For some ideas of awesome stuff you can do with your VPN, check out our tutorials:

21 thoughts on “How to pay for a VPN anonymously with a prepaid debit card.”

  1. Bought a Vanilla prepaid Visa card today and it requires much more information than other cards I’ve used this year. They ask for full name, address, any previous addresses if you recently moved, SSN, mobile phone number… the list goes on. Can’t use a SSN generator or addresses off google maps to create a fake identity either as it’s algorithm perform checks on what you enter. Overall very disappointing.

    • You must have bought a MyVanilla card (relaodable) which is different than the OneVanilla or VanillaGift cards which don’t require an personal information.

  2. Thank you for your very informative article. Did you mention:
    “Some people have reported their prepaid cards getting declined for online purchases, but that’s because they didn’t know the one simple trick that will make sure your payment is processed correctly every time.”

    What simple trick?

    • The trick is to log into your vanilla account and add a zip code. It was discussed later in the article, but you’re right it wasn’t totally clear in the intro. I’ll add that the list of articles to rewrite, thanks!

  3. What means ” flexible-load gift card.”? For example, I want to buy OneVanilla prepaid VISA debit gift card” with $200 in it. Is that flexible-load card? Thank you.

    • The $200 gift card should work find. I believe that’s technically a Vanillagift, rather than a OneVanilla. Flexible-load means you can choose how much money to add to the card when you purchase it.

  4. I specifically bought a One Vanilla Visa card and registered the 90210 zip code as you suggested. I tried to use it to sign up for AirVPN service, but it consistently gets declined. Any ideas?

  5. I checked both MC and VISA Vanilla cards, and they state they can only be used for purchases in the US, not for ones outside the country, including internet purchases. This means that most VPNs probably can’t actually be purchased using them. The only way it would work is if their payment address is in the US, which seems unlikely for most, if not all, of them.

    • There are a number of VPNs (including Non-US) providers that accept gift cards balances (Starbucks, Target, Walmart etc.) as payment. There’s a conversion fee so it ends up being a bit more expensive but it’s a simple, private payment method if you aren’t comfortable paying with cryptocurrency.

  6. I feel like im living in a third world country digitally – in Austria regarding to be able to buy a prepaid card just with cash in a supermarket (the only thing i will get without a fee are gift cards like amazon, blizzard, nintendo & co in supermarket).
    Just last year certain smaller shops started finally making changes so you can pay now with bank payment instead of only being able to pay with real cash – in the year 2019.

    If i wanted to get a prepaid credit card here I could only get it free if im customer at certain banks (means I need to have a giro account by that bank which I gotta pay then instead) or I gotta pay an exhibition fee for the prepaid card up to 90 euros.
    Either way the card wont be free for me since i gotta pay either way.
    And lets not talk about anonymous since if I buy such a card in my country they want every information from me: mobile phone number, E-mail adress, Name, Birth date and my Address.
    The bureaucracy and greediness here is insane.

    Still thanks for this guide, though it wont help me since im not in America ^.^

    • Yeah, many countries are crippling privacy protections for digital transactions. I fear cash is next, and every purchase will be tracked within the next 20 years.

  7. IPVanish is asking for an address. Can you put down anything along with the zip-code from the card? Some other vpn’s don’t ask for an address.

  8. Unless you are ONLY going to use the new VPN you are setting up from another anonymized connection in regular usage there is no point in making the VPN payment from an anonymous connection. The VPN will have access to whatever ip address you connect directly to it from in the course of normal use so anonymizing yourself to the VPN at the payment and setup phase is useless unless you only plan to connect to your new VPN from an anonymous connection when you use it. Unless you only use the new VPN from another anonymous connection, ultimately you should use a third party verified no logs VPN and you are depending on that factor for your anonymity at the VPN level. If you connect to the VPN from your real traceable ip address in the course or normal usage, or theoretically even one time, the VPN will have access to that ip address, there is no way around that so hiding it at setup/payment would be pointless. This is where using a real no logs VPN comes in. That said you can still use the prepaid card and that will prevent the VPN from having direct access to anything but your ip address.

  9. I bought a “OneVanilla Prepaid Visa Card – Non-Reloadable Gift Card” at Walgreens. Tried logging in using Tor and Captcha was stuck in recursive loop. Went to private window/tab of firefox and got in. There was NO “Assign Zipcode” tab under My Account – only “Manage PIN” and “Request Replacement”.
    This article looked like it was so helpful until the international charge issue and now missing zipcode. Maybe you should think about taking the post down now that OneVanilla has paid you to promote their product. Pretty damn annoying actually.

    • I have no affiliation whatsoever with Visa or OneVanilla. These techniques worked for me with a US-based service, but may not work for international transactions.

  10. Hi there, great article. Do you have any advice for using prepaid cards Mullvad or Surfshark or protonvpn? I cannot seem to get the cards working with them.

    • I have heard some foreign VPNs don’t work with US-based gift cards. Did you try setting the zip code in your Vanilla dashboard?


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