How PayPal authentication works

What is PayPal authentication?

PayPal authentication is an extra security step for transactions made within the EU, Iceland, Liechtenstein, and Norway.

This update is part of the second Payment Services Directive (PSD2) to make your payments safer.

 

How does PayPal authentication work?

When you make a transaction, the website prompts you to verify your identity using a code.

This confirms who you are and protects you against potential fraud.

 

Do I need to authenticate every time?

No. If you are logging in from a trusted device that PayPal recognizes, you can log in with your email address or username and password without additional authentication.

 

When do I need a one-time passcode?

You may need a one-time passcode in the following situations:

• When PayPal needs to verify your identity.
• If you're logging in from an unrecognized device.
• When completing certain transactions.

 

What happens if PayPal calls me during authentication?

In some cases, PayPal may call your registered phone number and ask you to repeat the code displayed on your device.

Simply follow the onscreen instructions to complete the verification.

 

How do I update my phone number on PayPal?

1. Log in to PayPal.
2. Select the 'Settings' icon next to 'Log Out'.
3. Select 'Your Profile'.
4. Choose 'Update' next to 'Phone'.

 

Where can I find more information about PayPal authentication?

For more information about PayPal and PSD2, check out the PayPal PSD2 authentication guide.

If you have issues with authentication, please contact PayPal directly.