Multi-Factor Authentication
Multi-factor authentication (MFA) is an identity verification method requiring a user to present two or more independent factors — something they know, something they have, or something they are — before gaining access.
What it means
In e-signature workflows, MFA typically combines the email link (something you have — your inbox) with a second factor such as an SMS PIN sent to a phone number (something you have), an access code provided by the sender out-of-band (something you know), or a biometric check (something you are). MFA significantly reduces the risk of unauthorized signing if an email account is compromised.
Why it matters for e-signatures
For documents involving financial, legal, or personal decisions, SignOwl's MFA options ensure that even if a signing link is forwarded or an email account is breached, an unauthorized party cannot complete the signature.
Related terms
Frequently asked questions
Does MFA slow down the signing process significantly?
An SMS PIN adds approximately 30–60 seconds to the signing experience. For high-value documents, this trade-off in security is generally worth the minor friction.
Is MFA required by law for e-signatures?
MFA is not universally legally required for e-signatures, but it is mandated in specific regulated contexts such as healthcare (HIPAA) and certain financial transactions.
Ready to send your first document?
Upload a PDF, add signature fields, and send — your signers get a beautiful page on any device. No accounts, no apps, no friction.
Start free — no card needed