post
https://identity-api.paymongo.com/v1/challenges/verify
Verifies a step-up action for the caller. Supply code for the email OTP path; add factor: "totp" to verify a code from an enrolled authenticator app instead; or supply token (an Ideem authenticate() token) to satisfy the same gate with an enrolled passkey. Passkey and TOTP are accepted only for the wallet/step-up actions. code and token are mutually exclusive.
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