Step-up challenges

Send a one-time password to step up a token

Use this when an operation rejects your access token because it isn't stepped up.

It starts the step-up process by sending a one-time password over SMS to a device belonging to the logged-in user. Confirm the code with Verify a one-time password to step up a token; the token you are already using is then raised to STEPPED_UP in place, so there is no new token to store.

Operations that need a stepped-up token include creating prepaid and debit cards, creating accounts, reading a card PIN, and statements.

Prerequisites

The device must have been enrolled beforehand through /authentication_factors/otp/{channel}, or the request fails with CHANNEL_NOT_REGISTERED. SMS is the only OTP channel; to use a push notification instead, see the push variant.

Rate limits

Challenges are throttled. RETRY_IN_15SEC means you asked again too soon, and CHALLENGE_LIMIT_EXCEEDED means the user has run out of attempts for now.

:::note On sandbox, no text message is sent and the one-time password is always 123456. :::

post/stepup/challenges/otp/{channel}

Request

  • Base URL: https://sandbox.weavr.io/multi
  • URL: https://sandbox.weavr.io/multi/stepup/challenges/otp/{channel}
  • Auth: HTTP bearer and API key in header api-key

Path parameters

channel'SMS' required
  • SMS: The one-time-password is sent as a text message

The unique identifier for the channel.

Headers

idempotency-refstring
Example:transfer-2026-08-07-001

A unique call reference generated by the caller that, taking into consideration the payload as well as the operation itself, helps avoid duplicate operations. Idempotency reference uniqueness is maintained for at least 24 hours.

Response

Success, no content

Changes

No recorded changes to this operation across all 1 revision of this API.