It's an extra layer of security to protect your account. After you enter your password, we text a 6-digit code to your phone — only someone with your phone can complete the login.
This is required for every Split Pay account and is part of how we keep your information safe. Because Split Pay works with the financial networks that move your money, strong sign-in protection is a standard we have to meet.
It only takes a few extra seconds, and there's nothing to set up — codes come straight to the phone number on your account by SMS.