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

# Start a 2FA reset

`POST /sca/factors/reset`

## Request

- Base URL: `https://api.lightspark.com/grid/2025-10-13`
- URL: `https://api.lightspark.com/grid/2025-10-13/sca/factors/reset`
- Auth: HTTP basic

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, and the IP address the end user is starting the reset from.
  - `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. |
  - `endUserIpAddress` string, required: The IP address of the end user's device starting this reset, recorded against the reset by the SCA provider. Supply the customer's address, not your server's — it feeds the provider's risk assessment of the recovery.

## 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

## Changes

> 115 revisions in range; 2 not diffed.

- **2026-10-28** `d996ddfb9d2b`: 2 info
  - added the optional property `details/missingFields` to the response with the `400` status
  - added the optional property `details/refusalReason` to the response with the `400` status
- **2026-10-26** `f11f1e76bdd7`: 1 warning
  - added the new `PURCHASE_CARD_LIMIT_REACHED` enum value to the `code` response property for the response status `409`
- **2026-10-26** `0a6dad5815c7`: 1 warning
  - added the new `INVOICE_ALREADY_USED` enum value to the `code` response property for the response status `409`
- **2026-10-24** `715332dcb111`: 1 warning
  - added the new `EXACT_AMOUNT_UNAVAILABLE` enum value to the `code` response property for the response status `400`
- **2026-10-20** `761d1d030cb5`: 2 warning
  - added the new `AGENT_CARD_EXISTS` enum value to the `code` response property for the response status `409`
  - added the new `CARDHOLDER_AGREEMENT_NOT_ACCEPTED` enum value to the `code` response property for the response status `400`

[Operation history](https://skmtc.dev/lightsparkdev/apis/grid-api/changes/sca/factors/reset/post.md)

---

[API](https://skmtc.dev/lightsparkdev/apis/grid-api.md) - [All operations](https://skmtc.dev/lightsparkdev/apis/grid-api/llms.txt) - [OpenAPI document](https://skmtc.dev/lightsparkdev/apis/grid-api/revisions/7a1db46ec552?raw)