diff --git a/mercurial_keyring.py b/mercurial_keyring.py
--- a/mercurial_keyring.py
+++ b/mercurial_keyring.py
@@ -317,7 +317,8 @@ class HTTPPasswordHandler(object):
         """
         ui = pwmgr.ui
 
-        base_url, url_user, url_passwd = self.unpack_url(authuri)
+        parsed_url, url_user, url_passwd = self.unpack_url(authuri)
+        base_url = str(parsed_url)
         ui.debug(_('keyring: base url: %s, url user: %s, url pwd: %s\n') %
                  (base_url, url_user or '', url_passwd and '******' or ''))
 
@@ -335,7 +336,7 @@ class HTTPPasswordHandler(object):
         # Consult configuration to normalize url to prefix, and find username
         # (and maybe password)
         auth_user, auth_pwd, keyring_url = self.get_url_config(
-            ui, base_url, url_user)
+            ui, parsed_url, url_user)
         if auth_user and url_user and (url_user != auth_user):
             raise util.Abort(_('keyring: username for %s specified both in repository path (%s) and in .hg/hgrc/[auth] (%s). Please, leave only one of those' % (base_url, url_user, auth_user)))
         if auth_user and auth_pwd:
@@ -415,7 +416,7 @@ class HTTPPasswordHandler(object):
         _debug(ui, _("Manually entered password"))
         return user, pwd
 
-    def get_url_config(self, ui, base_url, user):
+    def get_url_config(self, ui, parsed_url, user):
         """
         Checks configuration to decide whether/which username, prefix,
         and password are configured for given url. Consults [auth] section.
@@ -424,9 +425,17 @@ class HTTPPasswordHandler(object):
         found. username and password can be None (if unset), if prefix
         is not found, url itself is returned.
         """
+        base_url = str(parsed_url)
+
         from mercurial.httpconnection import readauthforuri
         _debug(ui, _("Checking for hgrc info about url %s, user %s") % (base_url, user))
         res = readauthforuri(ui, base_url, user)
+        # If it user-less version not work, let's try with added username to handle
+        # both config conventions
+        if (not res) and user:
+            parsed_url.user = user
+            res = readauthforuri(ui, str(parsed_url), user)
+            parsed_url.user = None
         if res:
             group, auth_token = res
         else:
@@ -503,6 +512,8 @@ class HTTPPasswordHandler(object):
           (so prefix matching works properly)
 
         Returns url, user, password
+        where url is mercurial.util.url object already stripped of all those
+        params.
         """
         # mercurial.util.url, rather handy url parser
         parsed_url = util.url(authuri)
@@ -516,7 +527,7 @@ class HTTPPasswordHandler(object):
         parsed_url.user = None
         parsed_url.passwd = None
 
-        return str(parsed_url), user, passwd
+        return parsed_url, user, passwd
 
 
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