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Setting Up Multi-Factor Authentication (MFA)

Multi-factor authentication (MFA) explained: what it is, why KonstructIQ may require it, verifying your phone number, and what changes when you sign in afterward.

Overview

Multi-factor authentication (MFA) adds a second layer of security to your KonstructIQ account. Instead of signing in with only your email and password, KonstructIQ also sends a one-time, 6-digit code to your phone by text message, and you enter that code to finish signing in. Anyone who gets hold of your password still can't get into your account without your phone.

KonstructIQ requires MFA if you have a KonstructIQ bank account set up for payments. If it applies to you, you'll get an email from KonstructIQ asking you to complete this setup.

Where to find it: your initials (top right) → My Account.

Step 1: Open My Account

  1. Click your initials in the top right corner of any page.

  2. Select My Account from the menu.

Step 2: Verify Your Mobile Phone

In the Profile section, confirm the number in the Mobile Phone field — this is the number KonstructIQ texts your codes to.

  1. Update the Mobile Phone field if it isn't the number you want to use.

  2. Click Verify Number.

Note: the phone number saves as soon as you leave the field, before you verify it — so only enter a number you intend to keep. Changing the number clears its "Verified" status, and Enable multi-factor authentication stays grayed out until you re-verify.

Step 3: Confirm the Code

KonstructIQ texts a 6-digit code to the number you're verifying.

  1. Enter the code in the Enter 6-digit Code field.

  2. Click Confirm.

Tip: if the text doesn't arrive, click Resend in the same dialog.

Step 4: Enable Multi-Factor Authentication

Once your number shows as Verified, the Enable multi-factor authentication checkbox becomes clickable.

  1. Check Enable multi-factor authentication.

Good to know: click What is multi-factor authentication? next to the checkbox any time for a reminder of these steps, right inside the app.

Signing In With MFA

Once MFA is enabled, signing in takes one extra step. You'll enter your email and password as usual, and KonstructIQ will also prompt you for a confirmation code — a new 6-digit code sent by text to your verified phone. Enter that code to finish signing in.

Troubleshooting & FAQs

  • I got an email from KonstructIQ asking me to set up MFA — do I have to? Yes. MFA is required once you have a KonstructIQ bank account set up for payments, and the email is your prompt to complete the steps above so you don't lose access to payment features.

  • Enable multi-factor authentication is grayed out — why can't I check it? Your phone number isn't verified yet. Click Verify Number, enter the code you're texted, and click Confirm — the checkbox becomes clickable right after.

  • I didn't get the text with my code. Click Resend in the Verify Mobile Number dialog. If it still doesn't arrive, confirm the number in Mobile Phone is correct, or contact [email protected].

  • Can I turn MFA back off later? Yes, by unchecking Enable multi-factor authentication in My Account — unless it's required for your account because you have a KonstructIQ bank account set up.

Quick Reference

Path: your initials → My Account → confirm Mobile Phone → Verify Number → enter the 6-digit code → Confirm → check Enable multi-factor authentication.

Don't skip: verifying your phone number first — MFA can't be enabled until Mobile Phone shows Verified.

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