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POST
Start consumer login

Body

application/json
last_name
string
required

Consumer last name. Matching is case-insensitive in the backend.

Maximum string length: 50
dob
string<date>
required

Consumer date of birth in YYYY-MM-DD format. The consumer must be at least 18 years old.

last_four_ssn
string
required

Last four SSN digits. Non-digits are stripped before validation.

Pattern: ^\d{4}$
recaptcha
string
required

Response

Login flow started, contact input required, or no match returned.

message
string
required
Example:

"OTP sent successfully to j***@example.com."

matched
enum<boolean>
required
Available options:
true
flow_token
string
required
otp_sent
enum<boolean>
required
Available options:
true
channel
enum<string> | null
required
Available options:
email,
mobile
masked_destination
string
required
Last modified on July 19, 2026