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Enable Two-Factor Authentication (2FA) for Paypal Account

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Paypal 2FA (Two-Factor Authentication) or Multi-Factor Authentication (MFA) enables an extra layer of security in which a user or an organizational employee have to provide two factors to gain access to the Paypal account. With Paypal TFA being enabled, anyone trying to login to your Paypal account from an unrecognized computer/device must provide additional verification factors along with the password and username. In 2-step authentication user submits his traditional username and password. Once the user successfully gets authenticated and verified with the 1st step verification, the configured 2FA (OTP over SMS, Push Notifications, YubiKey, TOTP, Google Authenticator etc) method prompts for 2nd-step verification. After successfully verifying and authenticating with both of the steps a user is granted with the access to the Paypal account. This extra second layer prevents the unauthorized person from gaining the access to the resources from Paypal account even if cyber attackers get to know your credentials.

miniorange provides 15+ authentication methods and solutions for various use cases. It allows users and organizations to set up certain authentication and settings which includes password restrictions, restricting sign-in methods, as well as other security settings. miniorange also makes way for authentication apps that support Time-Based One-Time Password (TOTP)(SMS code) Google Authenticator, Microsoft Authenticator, Authy 2-Factor authentication app and our own miniorange Authenticator app to sign up to PayPal's 2FA.

Follow the given setup guide to integrate SAML SSO and 2-step verification (2FA) for your Paypal account.

Follow the Step-by-Step Guide given below for setting up Paypal Single Sign-On (SSO)

1. Configure Paypal Application in miniOrange

• Log in as a customer from the Admin Console.



• Go to Apps >> Manage Apps. Click Add Application button at right corner of your screen.



• In Choose Application Type click on Create App button in OAUTH/OIDC application type.



• In the next step, Search for your application from the list. If your application is not found, search for "custom" and you can set up your app via Custom OAUTH App.



• Enter Client information accordingly.

Attribute	Description
Custom Application name	Choose an appropriate name according to your choice
Redirect URL	<base-paypal-url>/auth_oauth/signin
Description	Description of your choice
Attributes	As shown in the image below





• Adjust time validity for the tokens.
• Select the Group Name from dropdown & enter Policy Name.
• Select Password as your login method. You can also opt for 2-factor authentication.
• Scroll down and click on the “Save Button”.
• Your paypal application is Successfully configured with miniOrange.

To edit the Application:

• Go to Apps >> Manage Apps.
• Search for your app and Click on the edit in Action menu against your app.



• Note down the Client id and Client secret. You will need this info while configuring Paypal with miniOrange.




For OAuth endpoints:

• Go to Apps.
• Search for your application and Click on the OAuth Endpoints in Action menu against your app.



• Note down all the parameters (OAuth endpoints and scopes). You will need this info while configuring Paypal with miniOrange.

2. Configure SSO in Paypal

• First of all, go to https://developer.paypal.com/developer/applications/ and login to your Paypal admin Account.
• You will be brought to an Application Management Page. Scroll down to the REST API apps and click on the Create App.



• You will be shown a form where you have to enter Application Name and Sandbox Developer Account. Fill the form with appropriate information. Then Click on Create App



• You will be brought back to Application Management page. Here you can find Client ID and Secret.



• Copy these credentials in MO OAuth Plugin configuration on corresponding fields.
• Scroll Down to Sandbox App Settings. Fill Callback/Redirect URI from MO OAuth Plugin. Then Click on + or press Enter.

3. Configure 2FA for Paypal

3.1: Enable 2FA for Users of Paypal app

• To enable 2FA for Users of Paypal application. Go to Policies >> App Authentication Policy
• Click on Edit against the application you have configured.



• Enable the Enable 2-Factor Authentication (MFA) option.



• Click on Save.

3.2: Configure 2FA for your Endusers

• To enable 2FA/MFA for endusers, go to 2-Factor Authentication >> 2FA Options For EndUsers.
• Select default Two-Factor authentication method for end users. Also, you can select particular 2FA methods, which you want to show on the end users dashboard.
• Once Done with the settings, click on Save to configure your 2FA settings.

3.3: Enduser 2FA Setup

• Login to End-User Dashboard using end user login URL.
• For Cloud Version: The login URL (branding url) which you have set.
• For On-Premise version: The login URL will be the same as of Admin Login URL.
• Select Setup 2FA from left panel. Then select any of the 2FA method available.
• For now, we have selected the SMS >> OTP OVER SMS as our 2FA method. You can explore the guide to setup other 2FA methods here.
• Enable the OTP over SMS if you have your phone number added under your profile section else click on Edit button.



• Enter you Phone Number along with the necessary country code and click on the SAVE button.

4. Test Paypal 2FA

a. If 2FA for for End-user is configured

• Go to your Paypal Domain. It will redirect you to miniOrange Single Sign-On Service console.



• Enter your login credentials, and click on login. It will prompt to verify yourself against the configured 2fa method.
  e.g. If you have configured OTP over SMS, after login into Paypal it will prompt for OTP.



• Enter the OTP received in your phone, after successful 2fa verification, you will be redirected to the Paypal dashboard.

b. If 2FA for end-user is not enabled

• You will be prompted to register for 2Fa for end-user. It's a one time process.
• Configure your basic details.



• Configure any authentication method of your choice.



• After successful registration, you will be logged in to your Paypal account.


Not able to configure or test MFA?


Contact us or email us at idpsupport@xecurify.com and we'll help you setting it up in no time.

5. Adaptive Authentication with Paypal

A. Restricting access to Paypal with IP Blocking

You can use adaptive authentication with Paypal Single Sign-On (SSO) to improve the security and functionality of Single Sign-On. You can allow a IP Address in certain range for SSO or you can deny it based your requirements and you can also challenge the user to verify his authenticity. Adaptive authentication manages the user authentication bases on different factors such as Device ID, Location, Time of Access, IP Address and many more.

You can configure Adaptive Authentication with IP Blocking in following way:

• Login to Self Service Console >> Adaptive Authentication.
• Add a Policy Name for your Adaptive Authentication Policy.



• Select your Action for behavior Change and Challenge Type for user from the Action for behavior Change Section.





Action for behavior Change Options :




Attribute	Description
Allow	Allow user to authenticate and use services if Adaptive authentication condition is true.
Challenge	Challenge users with one of the three methods mentioned below for verifying user authenticity.
Deny	Deny user authentications and access to services if Adaptive authentication condition is true.




Challenge Type Options :




Attribute	Description
User second Factor	The User needs to authenticate using the second factor he has opted or assigned for such as OTP over SMS PUSH Notification OTP over Email And 12 more methods.
KBA (Knowledge-based authentication)	The System will ask user for 2 of 3 questions he has configured in his Self Service Console. Only after right answer to both questions user is allowed to proceed further.
OTP over Alternate Email	User will receive a OTP on the alternate email he has configured threw Self Service Console. Once user provides the correct OTP he is allowed to proceed further.



• Now Enable Enable IP Restriction option from the IP RESTRICTION CONFIGURATION section to configure custom IP range.



• Select the Action you want to perform if the IP address is out of the range. i.e. Allow, Challenge & Deny.
• Specify the IP Address range for which you want above setting to reflect. You can add more than one IP Address ranges by clicking on following button +.
• Scroll to the end and click on save.

B. Adaptive Authentication with Limiting number of devices.

Using Adaptive Authentication you can also restrict the number of devices the end user can access the Services on. You can allow end users to access services on a fixed no. of devices. The end users will be able to access services provided by us on this fixed no. of devices.

You can configure Adaptive Authentication with Device Restriction in following way


• Login to Self Service Console >> Adaptive Authentication.
• Add a Policy Name for your Adaptive Authentication Policy.
• Select your Action for behavior Change and Challenge Type for user from the Action for behavior Change Section.




• Scroll down to Device Configuration section and enable Allow User to Register Device option to allow users to register their devices.
• Enter the Number of Devices which are allowed to register in field next to Number of Device Registrations Allowed
• Choose Action if number of devices exceeded (This will override your setting for Action for behavior Change.)
1. Challenge: The user needs to verify himself using any of the three methods mentioned in table in step 5.1
2. Deny : Deny users access to the system
• Enable option Send email alerts to Users if number of Device registrations exceeded allowed count if you want to alert the user about no of devices exceeding the limit. Save the configuration.

C. Add Adaptive Authentication policy to Paypal.

• Login to Self Service Console >> Policies.
• Click on Edit option for predefined app policy.



• Set your application name in the Application and select password as Login Method.
• Enable Adaptive Authentication on Policy page and select the required restriction method as an option.
• From Select Login Policy dropdown select the policy we created in last step and click on save.

D.Notification and Alert Message.

This section handles the notifications and alerts related to Adaptive Authentication.It provides the following options :

• Get email alerts if users login from unknown devices or locations : Admin need to enable this option to enable receiving alerts for different alert options.
  
  
  

Option	Description
Challenge Completed and Device Registered	Enabling this option allows you to send an email alert when an end-user completes a challenge and registers a device.
Challenge Completed but Device Not Registered	Enabling this option allows you to send an email alert when an end-user completes a challenge but do not registers the device.
Challenge Failed	Enabling this option allows you to send an email alert when an end-user fails to complete the challenge.






• Next subsection is Send email alerts which allows us to enable or disable alerts for admin and end-users. To enable alerts for admins, you can enable the “Administrators” switch button.




• In case you want multiple admins accounts to receive alerts then you can enable the option for admin and then enter the admin emails separated by a ‘,’ in the input field next to Administrators email to receive alerts label. To enable alerts for the end-users, you can enable the “End Users” switch button.
• In case you want to customize the deny message that end user receive in case his authentication denied due to adaptive policy, you can do this by entering the message inside “Deny message for Adaptive Authentication” text box.


How to add a trusted Device

1. When End-user log in to the self service console after the policy for device restriction is on, he is provided the option to add the current device as a trusted device.

External References

• Looking for SSO solution with Paypal as IDP solution
• Paypal admin console
• Why and how do you use multi-factor authentication?