Multi-device Authentication

Multi-device authentication adds an extra layer of security to your Mercury account by asking you to review and approve certain actions from the Mercury mobile app.

What is multi-device authentication?

When multi-device authentication is turned on, Mercury may ask you to review and approve certain actions, such as large payments, from the Mercury mobile app. This helps us make sure the action was initiated by you.

Why is it needed?

If a computer is compromised by malware, an attacker may be able to start actions from a device that appears trusted. Multi-device authentication protects against this by requiring a secondary confirmation from a separate trusted device: your phone with Mercury’s mobile app.

This makes it harder for someone to move money without your knowledge, even if they gain access to your computer.

Note: Mercury Support will never ask you to confirm a payment you don’t recognize

How does it work?

When you initiate a high-risk action (e.g. large payment) on web, Mercury will ask you to review and confirm it from the mobile app:

1. Start the payment on web
2. Mercury sends a push notification to your phone
3. Tap the push notification to open the authentication request
   • You can also find the request in your Task list
4. Review and verify the request details, such as the recipient name, amount, and bank account numbers
5. If you recognize the payment, confirm it and return to web to finish the payment
6. If you do not recognize the payment, decline the request and take the following actions to secure your account
   • Initiate a temporary lock/freeze on your account to prevent any unauthorized actions.
   • Immediately change your password and logout of all other active sessions
   • Reach out to Mercury’s Customer Support team if you have any other concerns

Setting up multi-device authentication

Getting started

1. Download the Mercury mobile app (iOS | Android)
2. Sign in to your Mercury account
3. Make sure push notifications are enabled for Mercury
4. Keep the app installed so you can receive and review any authentication requests

Note: You need to have the mobile app installed in order to enable this feature!

Manage multi-device authentication settings

1. Click your org name in the top lefthand corner of your dashboard on web
2. Select All settings > Controls
3. Search for Multi-device authentication
4. Toggle the setting on or off

You may also be prompted to activate multi-device authentication during payment reviews.

FAQs

Why am I not receiving any push notifications?

If you aren't receiving push notifications:

1. Make sure you’re signed into the Mercury mobile app
2. Check that push notifications are enabled:
   1. App settings → Open up the app, tap on Settings
   2. OS settings → Your mobile device needs to have notifications enabled for the Mercury app
3. Make sure you’re on the latest version of the Mercury app

Can I turn this setting off?

This feature is optional for now, and you can disable it at any time from your Mercury settings. Mercury may mandate it in the future to help protect your account.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.