Multi-factor authentication (MFA)/2-step verification

Multi-factor authentication (MFA)/2-step verification is a security process that requires more than one method of authentication from independent credentials to verify your identity.

Multi-Factor Authentication adds an additional layer of security to your PayMaker account by requiring not only a username and password to log in, but also an additional code sent to your phone. This makes it extremely difficult to break into a PayMaker account.

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Set up MFA/2-step verification

When you create a PayMaker account, we request a phone number to use for MFA/2-step verification.

  1. Enter a mobile or landline phone number to receive security codes
  2. Select whether to send security code by text or phone call
  3. Click Send code
  4. Enter the security code you receive
  5. Select Trust this device for 30 days to require a security code less often
  6. Click Submit

Set up a backup phone number

We highly suggest having a backup method for MFA/2-step verification in case you no longer have access to your primary phone number.

  1. Click Settings
  2. Click Security under You
  3. Click Enter your backup phone
    • To edit the backup phone number, click Change Backup 2-Step Verification
  4. Click Next to send a security code on your primary phone number and authorize the change
  5. Enter the security code you receive
  6. Select Trust this device for 30 days to require a security code less often and click Submit
  7. Enter your backup phone number
  8. Select whether to send security code by text or phone call and click Submit to receive a code on the backup phone number to confirm the change
  9. Enter the security code you receive and click Submit
  10. Click Finish

Use an international phone number for MFA/2-step verification

MFA/2-step verification supports text codes to all US and international cell phone numbers. Codes via phone call are only available to cell phone numbers from the US and Canada.

  • Be sure to include "+" followed by your country code when entering your phone number so that it will be accepted. For example, phone number from England would be formatted as +4401234567890
  • Enter your phone number with no spaces
  • There are some limitations to sending SMS messages to mobile devices in India. For more information: Limitations sending SMS messages to Indian mobile devices.

Other ways to receive codes

If you don't have a mobile phone or landline to receive MFA/2-step verification codes, you can use these alternatives:


When MFA/2-step verification is triggered

You will be prompted with a text or a voice message to enter a code upon logging in to PayMaker.

Checking the Trust this device for 30 days box when you enter a code will reduce the need of a code to every 30 days.

Note: Even on devices that you have marked as trusted, these other actions also prompt MFA/2-step verification codes:

  • Collaborator user changing your password
  • Changing your phone number(s)
  • Switching to a different browser
  • Changes to your browser, such as:
    • Disabling browser cookies, using a cookie management extension or clearing browser data
    • Changing the browser supported language, i.e.: adding a new language
    • Upgrading to a different version of the browser

Change your MFA/2-step verification phone numbers

You can change your primary or backup phone number for MFA/2-step verification in your PayMaker account. You will need access to the current phone number in order to receive a code to authorize the change.

If you no longer have access to your primary or backup phone numbers, contact Support.


Each user must follow the steps below to change their own phone numbers. You cannot change the phone number for another user.

Changing your primary or backup phone number:

  1. Click Settings
  2. Click Security under the You section
  3. Click Change Primary 2-Step Verification or Change Backup 2-Step Verification
  4. Click Yes to confirm that you wish to delete and add a new MFA method (phone number)
  5. Select phone number from dropdown to receive code to authorize the change
    • If you don’t see your phone number, click Contact Us at the top of this page for assistance
  6. Select whether to send security code by text or phone call
  7. Click Send code
  8. Enter the security code you receive
    • If you need to resend a code, click Send a new code
  9. Click Submit
  10. Enter the new phone number
  11. Select whether to send security code by text or phone call
  12. Click Send code
  13. Enter the security code you receive
    • If you need to resend a code, click re-send code
  14. Click Submit to save your new primary or backup phone number for MFA

Troubleshooting MFA/2-step verification

Codes are not being received

  • Always use a direct line, codes cannot be routed through an extension
  • You may need to restart your device
  • If your phone is unable to receive codes, please try using the alternate options
  • If you received the error message "We can no longer send a code - You‘ve reached the maximum attempts for sending a code to one of your devices," the code has been sent three (3) times, which is the maximum per session. Please log out of your account and then log in again to request a new code.
  • Add a backup phone number before you leave the country. MFA/2-step verification may not be available outside the United States if your device will not receive calls or text messages while out of the country.
  • If you no longer have access to your primary or backup phone numbers, contact Support.

What to do if you no longer have access to the phone number

If you can't access your primary or backup phone numbers, or you are not receiving codes after trying these tips, contact Support.


Things to know

  • It is best practice to not share phone numbers or use another person's phone number for MFA/2-step verification
  • Check the Trust this device for 30 days box to reduce the number of MFA/2-step verification code prompts
    • Do not select the Trust this device for 30 days box when working on someone else's computer or logging in from a public location (like a library computer)