Not receiving your MFA code?
If you're having trouble logging in because your MFA verification code isn't arriving, try these general steps first:
Log out completely and log back in
Try a different browser (Chrome, Firefox, or Safari)
Clear your browser cookies and cache
Use incognito/private browsing mode
Try logging in from a different device
If you're using SMS codes:
Press "Resend code" and wait at least 30 seconds
Make sure your phone number is correct and includes the full country code
Confirm that your number can receive SMS messages
If you're on a prepaid plan, make sure you have a sufficient balance
Check that 28849 isn't blocked in your phone settings
If you're using an Authenticator App:
Make sure your phone's date and time are set to "Automatic" — authenticator apps rely on precise time sync
Wait for the current code to expire (codes refresh every 30–60 seconds) before entering a new one
Check that you haven't accidentally removed Chexy from your authenticator app — if so, contact support to reset your MFA
Did your code arrive via WhatsApp instead of SMS?
No need to worry — this is a completely legitimate MFA verification code from Chexy! When SMS delivery is delayed or blocked by your carrier, our system automatically sends your login verification code through WhatsApp as a backup. This is standard practice across banking and fintech platforms.
Need to change your MFA phone number?
For security reasons, we'll need to verify your identity before making any changes. Please contact our support team and include the following:
Reason for updating your phone number
The month and year of your first Chexy payment
Details of one recurring payment (payee name, amount, due date)
Last 4 digits of your card on file
Your current phone number
Your new phone number (with country code)
Your date of birth
Once verified, we'll update your MFA number within 3–5 business days.
I don't have a Canadian cell number. Can I still create an account?
To create an account with Chexy, a Canadian mobile number is generally required for initial multi-factor authentication (MFA) setup, as SMS verification is used during this process. Once your account is active, you can configure an authenticator app in your settings for future logins.
If you already have an active Chexy account and have configured an authenticator app, you can use it to log in, which is particularly helpful if you are travelling or living temporarily outside Canada and may not have access to your Canadian mobile number.
Travelling outside of Canada?
If you're abroad and don't have access to your Canadian number, you may not be able to complete the MFA login verification process. Please reach out to our support team before you travel or as soon as possible, and we'll do our best to help!
Still having trouble? Our support team is always here to help — just press the pink question mark in the bottom right corner to get in touch.