Setting up 2FA

This article walks you through setting up your 2FA through the Mercury mobile app or a third‑party authenticator. You’ll also learn how to access your codes and how to remove existing 2FA.

Choosing your authentication method

• Mercury requires setting up at least one 2FA method via an authenticator app
• You can later switch to a security key or passkey as your preferred method

Set up 2FA using the Mercury mobile app (recommended)

A. Prerequisites

• Download the Mercury app from the App Store or Google Play (or scan the QR code below and we’ll point you in the right direction)
• If you're setting up for the first time, log in on desktop and follow the “Set‑up two‑factor authentication” step in your new user checklist
• If switching from a third‑party app, go to Profile > Security, find the Two‑factor authentication section, and click Reset next to 2FA app (Third‑party)

B. Complete setup with the Mercury app 

1. Open your recently downloaded Mercury app
2. If not logged in, on the login screen tap 2FA Codes. If logged in, go to Profile > Two‑Factor Authentication
3. In the app, scan the QR code shown on your desktop setup instructions
4. In your desktop setup flow, enter the 6‑digit code generated by the app
    

Set up 2FA using a third‑party app (e.g. Authy or Google Authenticator)

1. Follow desktop instructions to display your QR code
2. Open your third‑party authenticator app and scan the QR code
3. Enter the generated 6‑digit code into your setup flow on desktop
    

Access your 6‑digit 2FA codes

After you’ve set up your 2FA app, at login, you’ll be prompted to enter a 6‑digit code from your 2FA app (either via Mercury app or third-party authenticator, depending on which you set up).

Using the Mercury app, you can access these 6-digit codes through the Mercury app whether or not you're already logged in.

On Android

• Open the Mercury app (dismiss biometric prompt if needed)
• Tap Two‑factor authentication below the email/password fields
• To add another Mercury account, tap the ⊕ icon next to Security codes

On iOS

• Open the Mercury app (dismiss Face ID or biometrics prompt if needed)
• Tap 2FA codes under the login fields
• To add another account, tap the ⊕ icon next to Security codes

While logged into the Mercury app (Android or iOS)

• Tap Profile, then Settings and then Two‑Factor Authentication
• View your 6‑digit codes or add another account via the ⊕ icon

If using a third-party authenticator app, open your 2FA app and locate the Mercury icon to obtain your 6-digit code. Once you have this set up, we recommend setting up passkeys to sign more easily and securely.  

Remove or reset 2FA codes

If you’ve recently reset 2FA on your Mercury profile, you’ll need to manually remove the existing 2FA code on your mobile device and set it up again. This is because the “key” we use to generate your 2FA codes has changed – your old codes will not be useful anymore, so we encourage you to delete them to avoid confusion in the future.

Start by logging into the account you’ve recently reset 2FA for, then follow the instructions below, depending on your device. 

On Android

1. Open 2FA Codes in the app
2. Tap the trash icon next to the relevant profile
3. Confirm by tapping Remove
4. Set up 2FA again using your desktop instructions

On iOS

1. Open 2FA Codes in the app
2. Tap Edit on the codes card
3. Tap the Remove (⛔) icon next to the appropriate code
4. Confirm by tapping Delete
5. Set up 2FA again via your desktop instructions

If you remove the wrong code or lose access to your account, you may need to reset your two-factor authentication. Head to https://app.mercury.com/login or learn more here.