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PayPal & PSD2

Due to new regulations, the way you log into your PayPal business account is changing. In order to access your PayPal business account, your account must have a current telephone number assigned to it.

Update phone number

The Second Payment Services Directive (PSD2)

This is a directive of the European Union that replaces the first payment services directive to regulate payment services in Europe. With the PSD2, new security requirements for accepting online card payments also come into force.

Strong Customer Authentication (SCA)

For better protection against fraud, the PSD2 introduces additional security requirements for electronic payments and access to or changes to your account. Strong customer authentication is one of these requirements, which apply to all EEA countries. This authentication procedure is used to validate your identity when using payment services. At least two factors of authentication may be required when making a payment, accessing your account, or making certain changes to your account.

The following three forms of authentication are available:


Knowledge: Something only you know about, e.g. B. a password.


possession: Something that only you can access, e.g. B. a one-time SMS-TAN or a trustworthy device that you use.


Inherence: Something unique to you, e.g. B. a fingerprint or your voice.

In many cases, at least two of these factors are required to make a payment.

What changes are there when using PayPal?

As a rule, you will still be able to log in to PayPal or pay with PayPal as usual using your email address and password. Occasionally, however, you will also be asked for a one-time code. If you have stored a mobile phone number in your PayPal account, we will send you this PIN via SMS so that you can complete the log-in process. If you have a landline number in your PayPal account, the PIN will be displayed on the screen and you will have to enter it during an automatic call from PayPal via your telephone. This is one of the methods we use to identify you when we have doubts about your identity or legal requirements require two-factor authentication.

When do I have to enter this PIN? Do I have to enter it every time I want to log in or pay?

How do I get this additional PIN? Is this different from my PayPal password?

I don't have a phone number that I can add to my PayPal account. Is there another way to verify my identity when I log in?

How do I link the authentication app to my PayPal account?

Can I share an authentication app or phone number with others?

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