Just take the string as bytes and hash it ffs
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I just double checked and I have TOTP enabled for my PayPal account so it should be an option.
I just found this support article of theirs and it says it can only be enabled through their website and not through the app (why?!) so you might be running into that?
Probably people would struggle to scan the QR Code with their smartphone. I think most apps can scan it from a image but obviously this would be unsafe, especially when people sync their screenshot to the cloud.
I can 100% confirm totp exist for PayPal, because I’m using it.
