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Two-Factor Authentication (2FA/MFA) for Stripe

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Stripe Two-Factor Authentication (2FA) or Multi-Factor Authentication (MFA) is an additional layer of security in which a user or an organizational employee have to provide two factors to gain access to the Stripe account. With Stripe TFA being enabled, anyone trying to login to your Stripe account from an unrecognized computer/device must provide additional authorization. Authentication starts with a user submitting his traditional username and password. Once the user successfully gets authenticated with the 1st step verification, configured 2FA (OTP over SMS, Push Notifications, YubiKey, TOTP, Google Authenticator etc) method prompts for 2nd-step verification. After successfully authenticating with both of the steps a user is granted with the access to the Stripe account. This extra layer prevents the unauthorized person from accessing the resources 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) Google Authenticator, Microsoft Authenticator, Authy 2-Factor authentication app and our own miniorange Authenticator app.

Follow the Step-by-Step Guide given below for Stripe Single Sign-On (SSO)

1. Configure Stripe in miniOrange

• Log into miniOrange Admin Console.
• Go to Apps >> click Add Application button.



• In Choose Application Type click on BROWSER EXTENSION/FORM-POST as application type.



• Search for Stripe in the list, if you don't find Stripe in the list then, click on Add Custom App button.



• Enter the following details in fields below:

App details	Description
Group Name	Select Group name as default.(This will allow all your added groups to access this service)
Policy Name	Select Policy Name the same as your application name.
Individual Login	If each user has a different username and password for the app, admin should choose an Individual Login Account option, so that users can save their username and password from the user portal themselves.
Shared Login	If multiple users are allowed to access the app via the same credentials assigned by admin, admin should choose share Login Account option.




• Select your login type and click on the Save button.
• From the top right side click Profile >> and then User Dashboard.



• Under the "SIGN-IN TO YOUR FAVOURITE CLOUD APPS" section search for Stripe app. Click on Stripe app icon then, click  Download symbol.



• It will redirect you to add extension page. Now, click on the Add to Chrome.




• Click on Add extension.



• Now, miniOrange extension is added in your extension
• Click on the app icon from miniOrange user portal, you will be redirected to Stripe login page.



• Now browser extension will fill the username and password credentials automatically. Once enabled, end users can see an icon on their browser which auto-fills username and password on the application login page and submit the page automatically to let user access the app.
• Now, you can see the homepage of the app.

• Log into miniOrange Admin Console.
• Go to Apps >> click Add Application button.



• In Choose Application Type click on BROWSER EXTENSION/FORM-POST as application type.



• Search for Stripe in the list, if you don't find Stripe in the list then, click on Add Custom App button.



• Configure your Stripe app. Add Application Name and Login Page URL. Select App Type as SIMPLE_LOGIN. (Refer to the table below for more details)

App Type	Description
SIMPLE LOGIN	When its a Simple form with Username, password and a button to Login
LOGIN_WITH_DOMAIN	When along with username and password, there is another field that requires input (constant like account id or domain)
LOGIN_AFTER_CLICK	When the login form loads after a button click only.
LOGIN_SECOND_PAGE	1. When username and password are on separate pages[2 page form]. 2. When username and password are on separate pages and also have separate buttons on each page (Separate button means that they cant be identified with a common query). Submit Button Field :Query Format document.querySelector(username-query) == null ? document.querySelector(button-1 query); document.querySelector(password-query).parentElement.parentElement.parentElement.querySelector(button-2 query) For ex:- 1. username-query :- Insert query selector of selecting username with unique attributes[id ,class, name , type] 2. password-query :- Insert query selector of selecting password with unique attributes[id ,name , type] 3. button-1 query, button-2 query :- insert query selector of selecting button with unique attributes[ class,name, type]
LOGIN_WITH_PRE_CLICK	When a click is required before submitting the form. E.g, Some checkbox needs to be clicked.

• Add QuerySelectors for Username, Password and Sign-in/Login Button. (Click here to learn more about QuerySelectors. or reach out to us at idpsupport@xecurify.com for help).



• Click on Save.
• Now your Stripe application is added in the below list. Click on it.



• Enter the following details in fields below:

App details	Description
Group Name	Select Group name as default.(This will allow all your added groups to access this service)
Policy Name	Select Policy Name the same as your application name.
Individual Login	If each user has a different username and password for the app, admin should choose an Individual Login Account option, so that users can save their username and password from the user portal themselves.
Shared Login	If multiple users are allowed to access the app via the same credentials assigned by admin, admin should choose share Login Account option.




• Select your login type and click on the Save button.
• From the top right side click Profile >> and then User Dashboard.



• Under the "SIGN-IN TO YOUR FAVOURITE CLOUD APPS" section search for Stripe app. Click on Stripe app icon then, click  Download symbol.



• It will redirect you to add extension page. Now, click on the Add to Chrome.




• Click on Add extension.



• Now, miniOrange extension is added in your extension
• Click on the app icon from miniOrange user portal, you will be redirected to Stripe login page.



• Now browser extension will fill the username and password credentials automatically. Once enabled, end users can see an icon on their browser which auto-fills username and password on the application login page and submit the page automatically to let user access the app.
• Now, you can see the homepage of the app.

2. Embed Stripe application link in your Website/User Portal

• Go to Admin Dashboard >> Apps >> search for Stripe app.
• Click on Select in Action menu against Stripe app. Select Show SSO link option from dropdown.



• Copy the app link and paste it anywhere on your website - User portal/ Apps Dashboard /Menu, etc.

3. Configure 2FA for Stripe

3.1: Enable 2FA for Users of Stripe app

• To enable 2FA for Users of Stripe 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 Stripe 2FA

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

• Go to your Stripe 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 Stripe it will prompt for OTP.



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

A. Restricting access to Stripe with IP Configuration

You can use adaptive authentication with Stripe 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 Policy.



• Add a Policy Name for your Adative Authentication Policy.
• Select Action for Behavior Change, click the Edit link, and then 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.



• Now click Edit option from the IP Configuration section to configure custom IP range.
• Select Add IP if the User's IP Address is not in the configured list.
• 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 button.



• Once the changes are made, scroll down 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 Policy.
• 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.



• On the Add Policy tab, go to the Device Configuration section and click the Edit button.
• Enter the Number of Device Registrations Allowed as per your requirement. (2-3 devices are recommended.)
• Choose Action if number of devices exceeded (This will override your setting for Action for behavior Change.)
• Challenge: The user needs to verify himself using any of the three methods mentioned in table in step 5.1
• Deny : Deny users access to the system
• Enable Mobile Device Restriction to block logins from mobile devices. This ensures all login attempts from mobile devices will be declined.
• Enable MAC Address Based Restriction if you want to restrict access based on device MAC address.



• Scroll down to the bottom of the page and click on Save.

C. Add Adaptive Authentication policy to Stripe

• Login to Self Service Console >> Policies >> Add 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 and click on Submit.

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: 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.
Number of Device registrations exceeded allowed count	This option will allow you to register more devices than the devices you have numbered.
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 checkbox.



• 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.

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

• Stripe Single Sign-On (SSO)
• Stripe enable two-step authentication
• What is Step-Up Authenticaiton?