Multi Factor Authentication (MFA)

Multi Factor Authentication (MFA)

Two-Factor Authentication (2FA) adds an extra layer of security to your Cardholder Portal account. After entering your password, you will also need to provide a one-time code from an authenticator app on your phone.

Supported Authenticator Apps: Google Authenticator, Microsoft Authenticator, Authy, or any TOTP-compatible app.

Journey 1: MFA Registration — Setting Up 2FA for the First Time

Step 1 — Create Your Account

Please ensure that your card has been activated. If you have not activated your card yet please head to the following article to review the card activation process: 
  1. https://help.mycardholdersupport.com/portal/en/kb/articles/activate-card.
Once done, please register your card to an account if you have not already:
  1. Please head to https://payaccount.io/register
  2. Create a Username and Password
  3. Confirm your password
  4. Click Submit.

Step 2 — Setting up your MFA

Once you have successfully created your account and registered your card, you will be prompted to log in with the username and password you have just created. Once done, you will see a screen titled "Set Up Two-Factor Authentication" with a QR code.


To proceed:
  1. Open your authenticator app on your mobile device
  2. Scan the QR code displayed on screen

This will create a new entry labeled:

"Berkeley Payaccount" or “Company Name” linked to your username.

If you are unable to scan the QR code:

  1. Click Copy secret 
  2. Paste the secret key manually into your authenticator app.


Step 3 — Enter the Verification Code

Your authenticator app will now display a 6-digit code that refreshes every 30 seconds.

  1. Enter this code into the verification field
  2. Click Verify and Complete Setup.
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Step 4 — You're In!

Once verified, you will be redirected to your Cardholder Dashboard, where you can view:

  1. Card balance
  2. Account status
  3. Expiry date
  4. Transaction history


Note: You can click Skip for Now during Step 4 to set up 2FA later. You will be prompted again on your next login.

Journey 2: MFA Login — Logging In with 2FA

Once 2FA is set up, you will need a code from your authenticator app each time you log in.

Step 1 — Enter Your Credentials

  1. Go to the Cardholder Portal login page
  2. Enter your Username and Password
  3. Click Submit.

Step 2 — Enter Your 2FA Code

You will see a "Two-Factor Authentication" screen.

  1. Open your authenticator app
  2. Find the "Berkeley Payaccount"
  3. Enter your username and the current 6-digit code.
  4. Click Submit.

Step 3 — Verifying

Once the code is verified, you will be redirected to your Cardholder Dashboard.



If you need to go back, click the Back to Login link below the Submit button.

Step 4 — You're In!

Once successfully logged in, you will have full access to your Cardholder Dashboard, where you can:


  1. View your card balance
  2. Check your account status
  3. Review your expiry date
  4. Access your transaction history