> For the complete documentation index, see [llms.txt](https://docs.payrexx.com/merchant/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payrexx.com/merchant/english/account/settings/user-administration/2-factor-authentication.md).

# Two-Factor Authentication

As a payment service provider, Payrexx is subject to international anti-money laundering regulations, which are continuously being tightened. In addition, we strive to comply with the highest security standards to ensure the safety of payments and sensitive data of our merchants.

For this reason, two-factor authentication is enabled by default on every Payrexx user account.

## What is Two-Factor Authentication?

Two-factor authentication (2FA) is a security feature that increases the protection of your user account. To log in, two different types of identity verification are required—usually a combination of something you know (e.g., a password) and something you have (e.g., a smartphone). By enabling two-factor authentication, your account is protected from unauthorized access, maximizing the security of your sensitive data.

### Email-based two-factor authentication as standard

Every Payrexx user account comes with two-factor authentication enabled via email verification. For security reasons, it is not possible to deactivate this 2FA. However, if you add an additional authentication option (such as an authenticator app or SMS), you can remove email verification.

### Additional two-factor authentication

To further protect your account from unauthorized access, you can set up an additional two-factor authentication method. To do this, click the "Add 2FA method" button:

<div align="left"><figure><img src="/files/pHWeum5YRgiZWjh2av68" alt="" width="563"><figcaption><p>Adding an additional two-factor authentication in Payrexx</p></figcaption></figure></div>

1. **Authenticator App:** When logging in, you receive a 6-digit code in your authenticator app on your smartphone (e.g., Google Authenticator).
2. **SMS:** When logging in, you receive a 6-digit code via SMS.

{% hint style="info" %}
Once you have set up authentication via an authenticator app or SMS, you can, if desired, remove email-based authentication.
{% endhint %}


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