Paypal has recently added the ability to use two-factor authentication key fobs. With all the phishing going on, it is nice to see they finally stepping up here. It costs $5, and takes just a few minutes to order and a few more minutes to activate it once you receive your fob.The fob is about the size of a small USB thumb drive, and displays a six-digit random number that you enter when you login to your Paypal account. You still need your username and password, so the idea is that only the person in possession of this fob can gain access to your account (that is what two-factor means: something you know and something you have). Anyone who is using Paypal should have it. You can link multiple fobs to a single account, too.