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2fa with API credentialing

I know this is geared more for the new REST api, but I have a question that overlaps with the older IBO api as well. Our client is wanting to enable the 2FA to get to PCI compliance but noticed that this then breaks the api auth since it is now requiring the second step auth. This would be fine if we were using the API for a current user, but we are accessing the API in order to pull in data to a public facing form and need to get that access through a hard coded account.

So one example that we would have would be if we wanted a custom donation form. We would want someone who is not a member to donate and we would need to push this data into the IMIS system via the api. So we would need to auth an account to push in the data. Just curious how to get around the 2FA.