Payment Troubleshooting - How to Re-authenticate Your Payment Method

Why do I need to re-authenticate my payment method?

Occasionally, your bank may require you to reverify your payment method for security purposes. This typically happens when:

• You've changed your password at your bank
• Your bank's multi-factor authentication (MFA) settings have been updated
• Your bank requires periodic reauthorization to maintain the connection
• Plaid’s Access credentials have expired

When re-authentication is needed, the affected payment method will include a yellow “verify” button in your account for easy identification.

Steps to re-authenticate your payment method:

1. Navigate to the Move Money tab in your account
2. Go to the Payment Methods section at the top of the page
3. Locate the payment method that needs re-authentication - it will no longer be highlighted green and include a yellow “verify” button on the right:

1. Click the "Verify" button next to the highlighted payment method
2. Complete the Plaid authentication flow by entering your current banking credentials
   1. For help with plaid, click here.
3. Confirm the connection to complete the process

Once you've successfully re-authenticated, your payment method will return to active status and you'll be able to use it for transactions immediately.

Troubleshooting

If you encounter any issues during the re-authentication process:

• Double-check your credentials - Make sure you're using your current bank login username and password, or account and routing numbers
• Verify your MFA method - Ensure you have access to receive any multi-factor authentication codes from your bank (these are the 6-digit codes you receive via email or text from your banking institution)
• Try again later - Occasionally, bank systems may experience temporary issues

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