How to Use TOTP Two-Factor Authentication in WordPress

What Is the TOTP 2FA feature?

TOTP (Time-based One-Time Password) is an industry-standard 2FA method. The user:

1. Enters username and password (first factor)
2. Scans a QR code with an authenticator app (sets up the 2FA)
3. Enters the 6-digit code from the app on each login (second factor)

The code changes every 30 seconds, so even if an attacker captures the code, they can only use it within a short window.

Why You Need It

Passwords alone are no longer sufficient:

• Password reuse: 65% of people reuse passwords across sites
• Phishing: Phishing kits can capture passwords in real-time
• Data breaches: Massive password dumps are sold on the dark web
• Brute force: Automated attacks can test thousands of passwords

2FA adds a second factor that the attacker doesn’t have (the user’s authenticator app), making stolen passwords useless.

How to Use TOTP 2FA in WordPress

Step 1: Navigate to Settings

Click into the Classic Monks plugin settings in your WordPress dashboard.

Step 2: Go to the Security Tab

Click on the Security menu, then click the Two-Factor Auth subtab.

Step 3: Enable TOTP Authentication

Scroll to Enable TOTP Authentication and toggle on.

Step 4: Save Changes

Click Save Changes.

Step 5: Set Up TOTP for Your Account

Log out. Log in with your username and password. After the password is verified, you’ll be prompted to set up TOTP:

1. Scan the QR code with your authenticator app (Google Authenticator, Authy, 1Password, etc.)
2. Enter the 6-digit code shown in the app
3. Save the recovery codes shown after setup (in case you lose access to the app)

Step 6: Test

Log out. Log in. You’ll be prompted for the 6-digit code from your authenticator app after entering your password.

Configuration Options

Option	Description	Default
Enable TOTP Authentication	Master toggle.	Off

The TOTP app is configured by each user individually. Admins can require 2FA for specific roles from the plugin settings under Security > 2FA.

What Gets Affected

• The login flow: after password, users are prompted for a 6-digit code
• The user profile: each user has a TOTP setup and recovery codes
• The WordPress admin: requires 2FA for users with TOTP enabled
• The REST API: 2FA can be required for API access via the cm_2fa_required_for_api filter

What Does NOT Get Affected

• The user experience (after setup): only 1 extra click per login
• The frontend: not affected (only admin/editor logins are typically 2FA-protected)
• The password reset flow: separate flow, not affected
• The application passwords: separate authentication method

Advanced Options (Developers)

This feature registers 6 WordPress hooks in 2fa/two-factor-auth.php:

Actions:

• wp_login calls CM_Two_Factor_Auth::wp_login() (Triggers 2FA after successful password auth (priority 10))
• show_user_profile calls CM_Two_Factor_Auth::user_profile_fields() (Adds 2FA fields to user profile)
• personal_options_update calls CM_Two_Factor_Auth::user_profile_update() (Saves 2FA settings on profile update)
• login_enqueue_scripts calls CM_Two_Factor_Auth::enqueue_scripts() (Enqueues 2FA verification page scripts)

Filters:

• authenticate calls CM_Two_Factor_Auth::authenticate() (Intercepts authentication for 2FA flow (priority 99))
• cm_2fa_rate_limit_enabled calls apply_filters() (Customizable filter)

// Hooked in 2fa/two-factor-auth.php
add_filter( 'authenticate', 'CM_Two_Factor_Auth::authenticate' );

The feature modifies WordPress behavior by registering or removing hooks. Disabling it reverses those changes and WordPress returns to its default behavior.