Abstract: Systems and methods for enabling multi-factor authentication for a web-based account. A first computing device and a second computing device are accessible to a first user. A backend system is accessible to a second user. The backend system communicates with the second computing device via a secure communication network. The first user creates a web-based account and receives a MFA initiation screen including secret information and a field for entering at least one TOTP token. The backend system has a TOTP token generator. The second computing device captures the secret information and transmits it to the backend system. The second user generates at least one TOTP token using the backend system and transmits the at least one TOTP token to the second computing device. The first user enters the at least one TOTP token into the first computing device. The account can then be validated and MFA enabled.