You don’t need to use two-step verification.
When two-step verification enabled on your Pin Payments account, each time you login you’ll be asked to enter a random generated code. This code will change each time you login, and is provided by an app on your phone such as Google Authenticator, Authy or 1Password.
The benefit of two-step verification is it keeps your account protected in situations where your password may be stolen, or guessed correctly.
You can enable it by clicking on the Two-Step Verification button in your Pin Payments account.