If you’re looking to secure your Stripe account against unauthorized access, enabling two-factor authentication (2FA) is essential. The most secure and recommended way to do this is by using the Stripe Authenticator App.
This comprehensive guide will walk you through every step to set up the Stripe Authenticator App and safeguard your business transactions and customer data with minimal effort.
Ways to Authenticate Stripe Accounts
Stripe offers multiple authentication methods for 2FA. Below are the most common options:
Use Authenticator App (Recommended)
The Stripe Authenticator App, such as Authenticator App ® 2FA, generates time-based one-time passcodes (TOTP) that change every 30 seconds. This method is highly secure, reliable, and works offline.
It does not rely on SMS or email, meaning it’s immune to phishing, SIM-swapping, and email hijacking.
SMS Authentication
Stripe can send an OTP to your phone via SMS. This is easy to use but less secure, as attackers can intercept messages through SIM swap attacks or malware.
Backup Codes
Stripe also provides backup codes during 2FA setup, allowing account recovery if you lose access to your device or app.
Why Use Stripe Authenticator App?
Strongest Level of 2FA Security
Time-based OTPs are more secure than SMS or email authentication. The Stripe Authenticator App ensures only you can access your account.
Reliable Offline Access
Once set up, the app generates 6-digit codes without needing internet or cellular data. Ideal for use when traveling or offline.
Seamless Login Experience
The app generates codes instantly. No waiting for text or email delays — just open the app, copy the code, and you’re in.
Secure Multiple Accounts
You can use the Authenticator App not just for Stripe but also for Google, AWS, GitHub, Microsoft, and many others.
Easy Setup & User-Friendly Interface
The setup process is quick, simple, and doesn’t require technical knowledge. Even non-developers can get started in minutes.
How to Set Up Stripe Authenticator App (Step-by-Step)
Step 1: Download Authenticator App ® 2FA
Download Authenticator App ® 2FA on the Apple Store here or scan the QR code below.
Step 2: Log In to Your Stripe Dashboard
1. Go to https://dashboard.stripe.com
2. Log in to your account using your email and password
Step 3: Navigate to Security Settings
1. Click on your profile picture (top-right corner)
2. Select Profile
3. Scroll down and choose Settings
4. Click Two-step authentication under the Security section
Step 4: Choose Authenticator App as Your Method
1. Click Set up authentication
2. Choose Use an authenticator app
3. Stripe will display a QR code to scan
Step 5: Scan the QR Code
1. Open your Authenticator App 2FA
2. Tap the “+” icon or Scan QR Code
3. Scan the Stripe QR code on your computer screen
Once added, you’ll see a 6-digit verification code appear for Stripe in your app.
Step 6: Enter the One-Time Passcode
1. Return to Stripe
2. Enter the 6-digit OTP from your authenticator app
3. Click Verify
Step 7: Save Your Backup Codes
Stripe will now show you a list of backup codes. These are essential for account recovery if you lose access to your phone or app.
Store these codes in a secure password manager or offline storage.
Step 8: Done
You’ve now enabled Stripe 2FA with the Authenticator App. Going forward, every login will require a fresh OTP from your app, ensuring an extra layer of protection.
Frequently Asked Questions (FAQs)
Can I use the same authenticator app for multiple accounts?
Yes. Most apps support multiple services. You can use Authenticator App ® 2FA for Stripe, Google, Microsoft, GitHub, AWS, and more.
What happens if I lose my phone?
Use the backup codes you saved during setup. You can also contact Stripe Support for recovery help.
Is SMS 2FA less secure than the Stripe Authenticator App?
Yes. SMS can be intercepted or spoofed. Time-based codes from an app are more secure and resistant to common attacks.
Do I need internet access to use the authenticator app?
No. The app generates OTP codes based on time, not internet connectivity.
Can I transfer my authenticator to a new phone?
Most apps allow cloud backup or manual export/import of your accounts. Check your app’s settings for device transfer features.
Conclusion
Enabling 2FA using the Stripe Authenticator App is one of the smartest steps you can take to protect your business from cyber threats. It’s fast, free, and far more secure than relying on passwords or SMS alone.
With instant code generation, offline access, and a simple setup process, there’s no reason to delay.
Download Authenticator App ® 2FA today and protect your Stripe account with military-grade security in just minutes.