Access Jira API with SSO enabled account

I am using Jira with SSO enabled where the SSO provider needs two-factor authentication.
I am trying to use Jira REST APIs to do some automation. I created a new personal access token. When trying to make a call with a basic authentication with user name and PAT, the request is being redirected to the SSO provider page(I can see the HTML in postman/log).

How can I use an SSO-enabled user’s account to make REST API requests?
Should I disable two-factor authentication for the user to overcome this situation?(this is difficult since 2fa is an organization-wide policy)

Thanks in advance :pray: