---
title: "Complete a 2FA reset"
method: POST
path: "/sca/factors/reset/{resetId}/complete"
tags: ["Strong Customer Authentication"]
---

# Complete a 2FA reset

`POST /sca/factors/reset/{resetId}/complete`

Complete a 2FA reset once liveness has passed, clearing the lost factor so
the customer can re-enroll.

For an `SMS_OTP` reset, supply the new `mobile` number in the body — completing
the reset enrolls it as the customer's number. Other factors need no body.

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

- TwoFactorResetCompleteRequest — Optional body for completing a 2FA reset. Only needed when resetting the `SMS_OTP` factor to a new phone number; omit the body entirely otherwise.
  - `mobile` object — For an `SMS_OTP` reset, the new mobile number to enroll as the customer completes the reset. Required for an `SMS_OTP` reset; ignored for `TOTP` / `PASSKEY` resets.
    - `countryCode` string, required — The country dialing code, including the leading `+`.
    - `number` string, required — The national subscriber number, without the country code.

## Response `204`

Reset completed; no content is returned.

## Other responses

- `400` — Reset not ready (liveness not yet passed)
- `401` — Unauthorized
- `404` — Customer or reset not found
- `409` — SCA is not required for this customer.
- `500` — Internal service error

## Changes

- **2026-08-14** `aaa1fb8782c8` — 1 warning
  - added the new `EXTERNAL_ACCOUNT_VERIFICATION_REQUIRED` enum value to the `code` response property for the response status `400`
- **2026-08-13** `df12ec487f0e` — 1 warning
  - added the new `TRANSACTION_SIZE_LIMIT_EXCEEDED` enum value to the `code` response property for the response status `400`
- **2026-08-11** `b06902b6595a` — 4 warning
  - added the new `CARDHOLDER_KYC_NOT_APPROVED` enum value to the `code` response property for the response status `400`
  - added the new `CARD_ALREADY_CLOSED` enum value to the `code` response property for the response status `409`
  - added the new `CARD_NOT_MUTABLE` enum value to the `code` response property for the response status `409`
  - added the new `INVALID_STATE_TRANSITION` enum value to the `code` response property for the response status `409`
- **2026-08-06** `526036c12609` — 1 warning
  - added the new `END_USER_TERMS_VERSION_NOT_FOUND` enum value to the `code` response property for the response status `400`
- **2026-07-31** `b21ed434ee6e` — 2 warning, 1 info
  - added the new `BENEFICIARY_TRUSTED` enum value to the `code` response property for the response status `409`
  - added the new `SCA_SESSION_REQUIRED` enum value to the `code` response property for the response status `409`
  - added the optional property `details/errors` to the response with the `400` status

[Full history](https://skmtc.dev/stainless-api/apis/grid-api/changes/sca/factors/reset/:resetId/complete/post.md)

---

[API](https://skmtc.dev/stainless-api/apis/grid-api.md) · [All operations](https://skmtc.dev/stainless-api/apis/grid-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/stainless-api/grid-api/revisions/2ec84c06fbec/schema)