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docs(sca): add quote-scoped resend + note withheld paymentInstructions
Address Greptile review on #683: - Document the quote resend endpoint (POST /quotes/{quoteId}/authorize/resend) alongside the transaction one, since a realtime-funding quote's SMS challenge exists before any transaction. - Note that a realtime-funding 202 withholds paymentInstructions until the challenge is authorized, so integrators authorize first, then read them. Co-Authored-By: Claude <noreply@anthropic.com>
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‎mintlify/snippets/sca/strong-customer-authentication.mdx‎

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@@ -82,8 +82,20 @@ authorize endpoint for the resource:
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</Step>
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</Steps>
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<Note>
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For a **realtime-funding quote**, the `202` / `PENDING_AUTHORIZATION` response
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**withholds `paymentInstructions`** until the challenge is authorized. Authorize
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first, then read `paymentInstructions` from the returned (advanced) quote — don't
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read them off the initial pending response, or you'll show the customer nothing
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to fund.
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</Note>
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If an SMS code lapses before it's used, re-send it (the existing challenge is
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reused, and its `expiresAt` is not extended):
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reused, and its `expiresAt` is not extended). Use the resend endpoint for the
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resource that carries the challenge:
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- Transaction (after `execute` / `transfer-out`): `POST /transactions/{transactionId}/authorize/resend`
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- Realtime-funding quote (from `POST /quotes`): `POST /quotes/{quoteId}/authorize/resend`
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```bash
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curl -X POST https://api.lightspark.com/grid/2025-10-13/transactions/{transactionId}/authorize/resend \

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