The present disclosure provides a new and innovative system, method, and non-transitory computer-readable medium for securely recovering access to an online service account. Secret splitting is utilized to require multiple recovery mechanisms in order to recover access to an online service account, thus decreasing the likelihood that a malicious attacker will compromise all of the recovery mechanisms to gain access to the online service account. The secret is split into a quantity of tokens via a secret sharing function that can reconstruct the secret with a predetermined threshold quantity of the tokens. The level of security provided by the system is flexible by adjusting the quantity of recovery mechanisms and the predetermined threshold quantity of tokens required to reconstruct the secret.