Stillcode › Two-factor authentication › Stripe
What Stripe supports, the page it publishes for the day you cannot complete sign-in, and the check worth running now rather than then.
These are the second factors Stripe offers on stripe.com. Which ones you
see can depend on your plan and your country;
what each of the seven actually costs you is set out once.
| Method | What it is | |
|---|---|---|
| Authenticator app (TOTP) | Supported | Computed on your own device; nothing is sent to produce it. |
| Hardware security key | Supported | A physical key you tap; the one option phishing does not beat. |
| SMS text message | Supported | Texted to your number, so your carrier is part of the lock. |
Data sourced from 2FA Directory by 2factorauth. Snapshot 2026-09-24.
Stripe offers both SMS and an authenticator app. They are not equivalent — a texted code depends on your mobile carrier and survives no longer than control of your phone number, while a generated code never travels. If both are enabled, the account is only as strong as the weaker one, because an attacker picks.
A hardware security key is also accepted. It is stronger than any code, because a code can be typed into a convincing fake page and a key cannot. The usual arrangement is a key as the primary factor and an authenticator app as the backup that fits in a pocket.
Of the fifty services on this site, nine publish a page of their own about not being able to complete sign-in,
and Stripe is one of them. Eleven of the fifty accept exactly this combination, so the same
decision comes up on ten other
services here. Among the two services filed under payments, every
one accepts a hardware security key.
The directory files Stripe under payments, records three of the seven second
factors it tracks, and points at instructions published at
support.stripe.com/questions/enable-two-step-authentication. A second document on the same host, …/can-t-complete-two-step-authentication,
covers not being able to complete sign-in.
Stripe's own instructions: Stripe — two-factor authentication — linked, never copied, because a stale menu path here locks people out.
Stripe publishes a page for exactly this situation: what to do when you cannot complete two-factor sign-in. ⭐ Read it before you need it — the steps almost always require something you have to set up in advance.
Background: how the codes work · what still works when the phone is gone.
An iPhone, iPad and Mac authenticator for these codes that makes no network calls at all. What is free and what Pro adds. Get it on the App Store