PayPal PVA accounts are built for businesses that need dedicated checkout testing environments, separated payment flows for different projects, or backup accounts for international commerce operations. Each account is phone verified, which is one of PayPal's core trust checks before enabling higher transaction limits.
Development teams use these to test checkout integrations end-to-end without touching a live business account, while agencies use them to separate client payment processing so a dispute or limit on one account never affects another client's operations.