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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 Login Policy
• Click on Edit icon against the application you have configured.



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



• Click on Submit.

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 account information else click on Edit >> Click here to update your phone number link.



• In Account Information, click on edit icon.



• Select your country code, enter your mobile number, and click Send OTP.



• Enter the OTP sent to your phone and click Validate.



• After adding your phone number, turn on the toggle to activate OTP over SMS.



• Now Enable 2 Factor Authentication toggle if not done before as shown below.

4. Test 2FA for Paypal

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 [This will be released soon]

Adaptive Authentication for Paypal enables administrators to enforce context-aware access policies by evaluating user login conditions such as IP address, device, location and login time. Based on the configured policy, users can be allowed access, challenged with additional verification or denied access. Administrators can also configure email alerts, customize user-facing error messages, review policy settings before deployment and assign adaptive authentication policies to application login policies to strengthen security and prevent unauthorized access.

[Note: The Adaptive Authentication section has been moved from the left navigation menu. You can now access and manage adaptive authentication policies by navigating to Policies >> Adaptive Access Policy.]

A. Restricting access to Paypal with IP Based Access Restriction

IP Based Access Restriction allows administrators to control user access based on the source IP address of the login request. Administrators can configure trusted or restricted IP addresses and IP ranges and define the action to be taken when a user's IP address matches the configured criteria. During authentication, the user's IP address is evaluated against the configured policy and access is either Allowed, Denied or Challenged based on the selected configuration.

You can configure Adaptive Authentication with IP Based Restriction in following way :

• Login to Self Service Console >> Policies >> Adaptive Access Policy section from the left side menu.



• Click on the Create Policy button on the upper right. Add a suitable policy name and click on Create Policy.



• Expand the IP Based Access Restriction section by clicking on the dropdown icon to configure IP-based access rules.



• Click Add IP Range to configure IP addresses or IP ranges for the policy.



• Specify the IP Address that you want to whitelist. For the IP Range other than the whitelisted one, you can select the above setting to reflect.
• Choose either Allow or Deny by selecting the corresponding option from the dropdown. If a user tries to login with the whitelisted IP address, they will always be allowed access.
• We support IP address range in three formats i.e., IPv4, IPv4 CIDR and IPv6 CIDR. You can choose whichever is suitable for you from the dropdown menu.
• You can add multiple IPs or IP ranges by clicking the + Add IP Range button.



• Once the changes are made, click on Next.
• Select Action for Behavior Change, choose the appropriate Action and Challenge Type for the user from that section.




Action for behavior Change Options :




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




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 many more.
KBA (Knowledge-based authentication)	The System will ask the user for 2 of 3 questions he has configured in his Self-Service Console. Only after the right answer to both questions is the user allowed to proceed further.
OTP over Alternate Email	User will receive an OTP on the alternate email they have configured through the Self Service Console. Once the user provides the correct OTP, they are allowed to proceed further.



• Click on Next to continue.

B. Restricting access to Paypal with Device Based Access Restriction

Device Based Access Restriction allows administrators to control user access based on trusted and registered devices. By leveraging device identification and verification mechanisms, administrators can define policies that evaluate the device used during authentication. When a user attempts to log in, the device is assessed against the configured policy and the appropriate action: Allow, Challenge or Deny is applied based on the configured conditions.

You can configure Adaptive Authentication with Device Based Restriction in following way :

• Login to Self Service Console >> Policies >> Adaptive Access Policy section from the left side menu.



• Click on the Create Policy button on the upper right. Add a suitable policy name and click on Create Policy.



• Click on the Dropdown option to expand the Device Based Access Restriction section to configure device-based access controls.



• Turn on the Enable Device Configuration toggle.



• Configure either Agentless Device Restriction or Agent-Based Device Restriction based on your organization's requirements.
• Agentless Device Restriction: Verifies and manages trusted devices without requiring any software or agent installation on the endpoint. It uses browser and device-based identification methods to evaluate device trust and enforce access policies during authentication.
• Agent-Based Device Restriction: Provides enhanced device trust verification by using a lightweight agent installed on managed devices. It enables advanced device validation and risk-based access control to ensure that only trusted devices can access protected resources.



• Click here to get more information about Device Based Restriction.
• Once the changes are made, click on Next.
• Under Action for Behaviour Change, select the appropriate action and challenge type for the policy.



• Click on Next to continue.

C. Restricting access to Paypal with Location Based Access Restriction

In location restrictions, admin configures a list of locations where they want to allow end-users to either login or deny based on the condition set by the admin. When a user tries to login with adaptive authentication enabled, their Location Attributes, such as (Latitude, Longitude and Country Code) are verified against the Location list configured by the admin. Based on this user will be either allowed, challenged or denied.

You can configure Adaptive Authentication with Location Based Restriction in following way :

• Login to Self Service Console >> Policies >> Adaptive Access Policy section from the left side menu.



• Click on the Create Policy button on the upper right. Add a suitable policy name and click on Create Policy.



• Click on the Dropdown to expand the Location Based Access Restriction section to configure location-based access rules.



• Select Register Location if User Completes Challenge to automatically register a user's location after successful challenge verification.
• Click on Add Location.



• In the Search Location field, enter the location name and select the appropriate location from the search results.
• Specify the radius around the selected location and choose the distance unit (KM or Miles). This will be the total area in and around the location we have configured using the Latitude and Longitude points.
• For each configured location, select whether access should be Allowed or Denied.



• You can click on the Add Location button to add more than one location and then follow steps 2-4 as mentioned above.
• Once the changes are made, click on Next.
• Select your Action for behavior Change and Challenge Type for user from the Action for behavior Change Section.



• Click on Next to continue.

D. Restricting access to Paypal with Time Based Access Restriction

In time restriction, admin configures a time zone with Start and End Times for that timezone and users are either allowed, denied or challenged based on the condition in the policy. When an end-user tries to login with the adaptive authentication enabled, their time zone-related attributes such as Time-Zone and Current System Time, are verified against the list configured by the admin and based on the configuration, the user is either allowed, denied or challenged.

You can configure Adaptive Authentication with Time Based Restriction in following way :

• Login to Self Service Console >> Policies >> Adaptive Access Policy section from the left side menu.



• Click on the Create Policy button on the upper right. Add a suitable policy name and click on Create Policy.



• Expand the Time Based Access Restriction section by clicking on the dropdown icon to Time Based Access Restriction rules.



• Enter the Login Window Buffer Time (Minutes) to allow a grace period before the start time and after the end time of the configured login window. If no value is specified, the default buffer time of 0 minutes is applied.
• Click Add Time to create a time-based access rule.



• Select the required Timezone, configure the Start Time and End Time and choose the applicable days.
• For each time-based rule, select whether access should be Allowed or Denied.



• Click on the Add Time to add more than one timezones.
• Once the changes are made, click on Next.
• Select your Action for behavior Change and Challenge Type for user from the Action for behavior Change Section.



• Click on Next to continue.

E. Email Alerts and Custom Email Message

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

• Send email alerts: Configure the recipients who should receive email notifications when adaptive authentication events occur. Alerts can be sent to administrators, end users or both, depending on your monitoring and security requirements.
• Send email alerts to administrators: Enable this option to notify administrators when configured adaptive authentication events are triggered. You can optionally specify an email address under Administrator's e-mail address to receive alerts to receive alerts; otherwise, alerts are sent to the default administrator account.



• Send email alerts to end users: Enable this option to notify end users when adaptive authentication events affect their login attempts or device registrations.
• Number of Device Registrations Exceeded Allowed Count: When enabled, end users receive an email notification if they attempt to register more devices than the maximum number allowed by the configured device restriction policy. (Available only for end-user notifications.)



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



Option	Description
Users login from unknown IP addresses, devices or locations	Enabling this option allows you to login from unknown IP addresses or devices and even locations.
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.





• In case you want multiple admin 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 Administrator's email to receive alerts label. To enable alerts for the end users, you can enable the End User checkbox.
• In case you want to customize the deny message that the end user receives in case his authentication is denied due to adaptive policy, you can do this by entering the message inside Deny Message text box.

F. Review

Review the configured policy conditions, behavior change actions, email alert settings and custom error messages before creating the adaptive authentication policy. This step provides a consolidated view of all configured settings, allowing you to verify the policy configuration and make any necessary changes before saving.




• Click on Create Policy.

G. Add Adaptive Authentication policy to Paypal

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



• Set your policy in the Policy Name and select Password as First Factor.



• Enable Adaptive Authentication on Edit Login Policy page and select the required restriction method as an option.
• From Select Login Policy dropdown select the policy we created in last step.
• Apply Restrictions Using: Configure how multiple adaptive authentication restrictions should be evaluated during user login.
  • AND: All enabled restrictions must be successfully satisfied for the login attempt to be allowed.
  • OR: At least one enabled restriction must be successfully satisfied for the login attempt to be allowed.



• Adaptive Authentication Restrictions: Configure additional login restrictions and verification conditions to strengthen account security and control user access based on contextual risk factors.
  • IP Restriction: Restrict login access to specific IP addresses or IP ranges for enhanced security.
  • Device Restriction: Allow login access only from trusted or pre-authorized devices.
  • Location Restriction: Control user login access based on geographic location.
  • Time Restriction: Restrict user login access to specific days or time periods.
  • Force MFA On Each Login Attempt: Require users to complete MFA verification during every login attempt regardless of device or session state.

How to add a trusted Device

• 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?