Once TOTP is enabled on your Rupeezy account, it can't be turned off — not from the app, and not by Rupeezy support. TOTP is optional only when you first set it up: you can skip it at enrolment and log in with an OTP instead.
Can I skip TOTP when I first set it up?
Yes. During enrolment you can skip TOTP and log in with just the OTP sent to your registered mobile number. See How do I set up TOTP for app login?. Once you enable it, though, it stays on.
Why isn't there a "Disable TOTP" option in Settings?
Because TOTP can't be disabled once it's on. The only option under Account > Settings is Reset TOTP.
What does "Reset TOTP" do, then?
Tapping Reset TOTP opens the same enrollment screen you saw the first time you set up TOTP — a fresh QR code and setup key, and a field to enter the 6-digit code plus your MPIN to confirm. Use this if you've lost access to your old authenticator entry (a new phone, a deleted app) and need to re-link a fresh one. It doesn't switch your login back to OTP-only.
Can Rupeezy support turn TOTP off for me?
No. Support can't disable TOTP on your account either. If your authenticator app is gone, use Reset TOTP to link a new one.
On Rupeezy web, 2FA works the same way — see Do I need to set up 2FA to log in to Rupeezy web?.