Google Pay 2FA: How to Set Up an Authenticator App
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.
A Google Pay account can be tied to your money and personal finances, so a stolen password is a direct financial risk. Besides an authenticator app, Google Pay also offers SMS text codes, phone-call codes, a proprietary app and security keys. An authenticator app (TOTP) is usually the best balance of security and convenience — and it's safer than SMS codes, which can be intercepted through SIM-swap attacks. For the strongest protection, Google Pay also supports hardware security keys.
2FA methods Google Pay supports
- SMS text message
- Phone call
- Proprietary app
- Authenticator app (TOTP)
- Security key (U2F / WebAuthn)
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Download Authenticator App - Novaz
Install Authenticator App - Novaz from the App Store on your iPhone or iPad and open it — you'll use it to scan Google Pay's QR code and generate your 6-digit sign-in codes.
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Sign in to Google Pay and open your Google Pay account security settings.
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Turn on two-factor authentication and choose the authenticator-app option.
Look for "Authenticator app", "Authentication app", or "TOTP" rather than SMS.
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Scan the QR code with Authenticator App - Novaz.
Open Authenticator App - Novaz, tap add, and point your camera at the QR code Google Pay displays. Can't scan? Enter the setup key manually instead.
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Enter the 6-digit code to confirm.
Type the code Authenticator App - Novaz generates to verify and link your Google Pay account.
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Save a way to recover your account.
If Google Pay shows backup or recovery codes, store them somewhere safe, away from your phone. If it doesn't, check how Google Pay recovers accounts (support, an admin, or another sign-in method) before you need it.
Menu names on Google Pay can change — the official Google Pay 2FA documentation ↗ always has the exact, current path.
How to recover your Google Pay account
If you lose access to your authenticator and Google Pay gave you backup or recovery codes when you turned on 2FA, sign in with one of them; keep them somewhere safe, away from your phone. Not every service issues codes. If Google Pay doesn't, or you didn't save them, use Google Pay's account-recovery or support process (or ask your admin, for a work account) to get back in.
Frequently asked questions
- Does Google Pay work with authenticator apps like Authenticator App - Novaz?
- Yes. Google Pay supports TOTP authenticator apps, so you can generate its two-factor codes in Authenticator App - Novaz.
- Is Google Pay two-factor authentication free?
- Yes. Enabling authenticator-app 2FA on Google Pay is free — you only need the free Authenticator App - Novaz.
- What if I lose access to my Google Pay 2FA codes?
- If Google Pay gave you backup or recovery codes during setup, sign in with one of them. If it didn't, or you didn't save them, use Google Pay's account recovery or contact its support (or your admin, for a work account), then add the account to Authenticator App - Novaz again.
- Should I use an authenticator app or a security key on Google Pay?
- Google Pay supports both. An authenticator app like Authenticator App - Novaz is free and works on any phone; a hardware security key adds phishing resistance. You can enable both.
Generate your Google Pay codes in Authenticator App - Novaz
Free, offline, and encrypted. One tap for every 6-digit code.
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Novaz is not affiliated with, endorsed by, or sponsored by Google Pay. Google Pay and its logo are trademarks of their respective owner and are used here for identification only.