myPay: How to Get Started or Reactivate Your Account 

myPay is an online tool for managing your annuitant pay account by providing access to a range of information about your account and payments. With myPay, you can easily update your contact information, tax withholding, or download your tax documents. It’s easy to get started with myPay.  

Starting Your myPay Account  

From the myPay homepage, request an initial password using the Forgot or Need a New Password link. The password will be mailed to the address you have on file with DFAS in your annuity pay account. It should arrive in approximately 10 business days to domestic mailing addresses. Once the password arrives in the mail, return to myPay and create an account using your Social Security Number and password. 

Reactivating Your myPay Account 

We know some only use myPay once a year to get your 1099-R during tax season. When you later try to access your account, the password has expired, is lost or forgotten. If this sounds like something that has happened to you, please update your password now. Waiting to update your password will delay you from accessing your account when you need to do so quickly. If your myPay account is inactive because your password has expired, you can follow the simple steps below to reactivate your account. 

1. Go to https://mypay.dfas.mil  
2. Click on the Forgot or Need a Password? link 
3. Enter two of the following: your Login ID, Social Security Number and/or registered email address (previously registered in myPay). Check the box affirming you are the account owner and click “Continue.” 
4. If you previously set up the security questions, you’ll be presented three security questions to answer. When you are finished answering the questions, click Check my Answers. 
5. If you answer the security questions correctly, you will be able to reset your password online. 

If you haven’t set up security questions, or answered them incorrectly, you can request a temporary password be sent to you. You can choose to send the temporary password to: 
A) Your mobile phone via text if your mobile phone number is registered in myPay. 
B) The mailing address you have on file with DFAS in your annuity pay account. 

When you receive the temporary password, go back to myPay and log in to reactivate your account. 

myPay Now Accepts Authenticator Apps for Two-Factor Authentication Login 

Two-factor authentication (2FA) has become the standard in security for customers at many commercial and government organizations. This additional layer of security requires customers to obtain a one-time PIN via email or text message to enter myPay. For those employing 2FA security, the one-time PINs remain valid for a limited time. If not used within that time, the PIN becomes invalid and another will need to be requested. One-time PINs are, with very few exceptions, generated and sent within seconds of a request. Delayed text messages can result from a busy network or those who may not recognize the myPay text as a legitimate message. Many have shifted their preference to an email address to avoid difficulties in receiving their one-time PIN so there is enough time to complete their myPay logon.  

Since its inception, DFAS has received confirmation of authenticator apps' usefulness, especially from retirees living overseas. One such confirmation came from Baguio City in the Philippines. The retiree relayed that using his preferred 2FA app allowed him to access his account quickly and easily from his location thousands of miles away from the U.S. The choice of which authenticator app to use is up to you. There are reviews of many popular ones available online. These reviews often include the capabilities of individual apps, allowing customers to choose the one best suited for them. Once downloaded and installed on a customer's mobile device, instructions for using the app to access myPay are available on the DFAS website at: https://www.dfas.mil/mypayinfo/2FA/AuthApp/. 

If You Need Assistance with myPay 

If you need help accessing your myPay account, please contact the myPay Customer Care Center toll-free at 888-332-7411 or 317-212-0550 and use option 5. 
 
Note: The information on this website is provided to explain typical situations regarding retiree and annuitant benefits. For details and exceptions, please see applicable laws, financial management regulations, and instructions.

Page Updated April 30 2025