Does Google Pay work with authenticator apps like MS Authenticator App?

Yes. Google Pay supports TOTP authenticator apps, so you can generate its two-factor codes in MS Authenticator App.

Is Google Pay two-factor authentication free?

Yes. Enabling authenticator-app 2FA on Google Pay is free — you only need the free MS Authenticator App.

What if I lose access to my Google Pay 2FA codes?

Use the backup or recovery codes you saved during setup. If you didn't save them, contact Google Pay support to regain access, then re-add the account to MS Authenticator App.

Should I use an authenticator app or a security key on Google Pay?

Google Pay supports both. An authenticator app like MS Authenticator App is free and works on any phone; a hardware security key adds phishing resistance. You can enable both.

How to enable 2FA on Google Pay

← Google Pay overview Supported

Protect your Google Pay account with two-factor authentication (2FA). Once enabled, signing in also requires a one-time code from your authenticator app — not just your password.

Step-by-step setup

1
Sign in to Google Pay and open your Google Pay account security settings.
2
Turn on two-factor authentication and choose the authenticator-app option.
Look for "Authenticator app", "Authentication app", or "TOTP" rather than SMS.
3
Scan the QR code with MS Authenticator App.
Open MS Authenticator App, tap add, and point your camera at the QR code Google Pay displays. Can't scan? Enter the setup key manually instead.
4
Enter the 6-digit code to confirm.
Type the code MS Authenticator App generates to verify and link your Google Pay account.
5
Save your backup codes.
Store the recovery codes Google Pay gives you somewhere safe — you'll need them if you lose your phone.

Menu names on Google Pay can change — the official Google Pay 2FA documentation ↗ always has the exact, current path.

Frequently asked questions

Does Google Pay work with authenticator apps like MS Authenticator App?: Yes. Google Pay supports TOTP authenticator apps, so you can generate its two-factor codes in MS Authenticator App.
Is Google Pay two-factor authentication free?: Yes. Enabling authenticator-app 2FA on Google Pay is free — you only need the free MS Authenticator App.
What if I lose access to my Google Pay 2FA codes?: Use the backup or recovery codes you saved during setup. If you didn't save them, contact Google Pay support to regain access, then re-add the account to MS Authenticator App.
Should I use an authenticator app or a security key on Google Pay?: Google Pay supports both. An authenticator app like MS Authenticator App is free and works on any phone; a hardware security key adds phishing resistance. You can enable both.

Generate your Google Pay codes in MS Authenticator App

Free, offline, and encrypted. One tap for every 6-digit code.

Get the app

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