An authenticator app is the most secure and convenient way to verify your identity each time you log in. It generates a 6-digit code on your device — no SMS required, and it works even without mobile signal.
Step 1 — Download an authenticator app
Any TOTP-compatible authenticator app will work. The two most popular options:
Step 2 — Link the app to your pay.com.au account
- Log in to your pay.com.au account.
- Navigate to Profile > Login and security.
- Click Link an authenticator app.
- In your authenticator app, add a new account and scan the QR code displayed on screen.
- Enter the 6-digit code generated by the app to confirm the link.
Can't scan the QR code? If you're logged in on the same device as your authenticator app, the camera can't scan from the screen. Instead, select Get a setup key to copy the key manually. In your authenticator app, add a new account using your login email and that setup key, then continue from step 5.
Why use an authenticator app?
SMS codes can be delayed, blocked as spam, or unavailable when you're overseas or offline. An authenticator app works anywhere — no signal needed. We strongly recommend setting one up alongside a passkey so you always have a reliable fallback.
Need help with login or MFA? See Logging into your account or contact our support team via the Contact page.