2FA methods supported by Google Pay
Adding two-factor authentication is one of the most effective ways to protect your Google Pay account. With TOTP support, you can generate Google Pay verification codes directly in the Authenticator App.
SMS
Google Pay can send a one-time verification code to your phone via text message.
Phone call
Google Pay can call your phone and read out a verification code.
Proprietary app
Google Pay offers its own companion app for approving sign-ins.
Authenticator app (TOTP)
Google Pay lets you use time-based one-time passwords, so you can generate verification codes in an authenticator app on your device — no network or SMS needed.
Security key (U2F)
Google Pay works with hardware security keys using the U2F/FIDO standard.
Google Pay 2FA — Frequently asked questions
Does Google Pay support an authenticator app?
Yes. Google Pay supports time-based one-time passwords (TOTP), so you can add it to the Authenticator App and generate verification codes right on your device.
Which two-factor authentication methods does Google Pay support?
Google Pay currently supports: SMS, Phone call, Proprietary app, Authenticator app (TOTP), Security key (U2F).
Is it free to generate Google Pay codes with the Authenticator App?
Yes. The Authenticator App is free to download, and generating Google Pay verification codes does not require an account or sign-up.
More Payments services that support 2FA
This page is for educational purposes only. We are not affiliated with or endorsed by Google Pay. All trademarks and product names are the property of their respective owners and are used solely for identification.