---
title: "Start a 2FA reset"
method: POST
path: "/sca/factors/reset"
tags: ["Strong Customer Authentication"]
---

# Start a 2FA reset

`POST /sca/factors/reset`

Begin recovering a lost enrolled factor via a liveness-gated, poll-based
flow. Opens the liveness check and returns a `resetId` plus the
opaque liveness handles (`livenessAccessToken` / `verificationLink`) the end
user completes it with. Poll
`GET /sca/factors/reset/{resetId}` until liveness
passes, then call the complete endpoint.

This endpoint is only meaningful for customers in a region where SCA is required (e.g. EU). For customers outside SCA-regulated regions, this returns `409`.

## Request body

- TwoFactorResetStartRequest — Selects which enrolled factor to reset via the liveness-gated recovery flow.
  - `factor` 'SMS_OTP' | 'TOTP' | 'PASSKEY', required — A Strong Customer Authentication factor. | Factor | Description | |--------|-------------| | `SMS_OTP` | One-time code sent by SMS to the customer's verified phone. Requires no prior enrollment. | | `TOTP` | Time-based one-time code from an authenticator app. Requires enrollment. Not valid for per-transaction challenges (cannot carry dynamic linking). | | `PASSKEY` | WebAuthn passkey assertion. Requires enrollment. |

## Response `201`

Reset initiated; the reset handle and liveness material are returned.

- TwoFactorResetStart — The reset handle plus the opaque liveness handles a caller relays to the end-user device to complete the liveness check. `resetId` threads the ceremony together (status and complete reference it). `livenessAccessToken` and `verificationLink` are omitted when they are not returned.
  - `resetId` string, required — Identifier for this reset; pass it to the status and complete endpoints.
  - `livenessAccessToken` string, nullable — Access token for the embedded liveness/verification SDK, bound to this reset. Omitted when one is not returned.
  - `verificationLink` string, nullable — Hosted identity-verification page URL for completing liveness. Omitted when one is not returned.
  - `expiresAt` string, date-time, nullable — Absolute UTC timestamp at the end of the reset window. Omitted when one is not returned.

## Other responses

- `400` — Invalid or unknown factor
- `401` — Unauthorized
- `404` — Customer not found
- `409` — SCA is not required for this customer.
- `429` — Too many reset attempts. Reset initiation is rate-limited to 5 per 24 hours per customer; retry after the window indicated by `Retry-After`.
- `500` — Internal service error

---

[API](https://skmtc.net/stainless-api/apis/grid-api.md) · [All operations](https://skmtc.net/stainless-api/apis/grid-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/stainless-api/grid-api/revisions/151f2d9bad9c/schema)