{
  "request": {
    "method": "POST",
    "url": "https://api.enablebanking.com/payments",
    "headers": {
      "Authorization": "Bearer eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiIs...",
      "Content-Type": "application/json"
    },
    "body": {
      "access": {
        "valid_until": "2026-06-25T00:00:00Z"
      },
      "aspsp": {
        "name": "OP",
        "country": "FI"
      },
      "payment_request": {
        "payment_type": "SEPA_CREDIT_TRANSFER",
        "instructed_amount": { "currency": "EUR", "amount": "120.50" },
        "creditor": { "name": "Acme Oy" },
        "creditor_account": { "iban": "FI4350000220000456" },
        "creditor_agent": { "bic_fi": "OKOYFIHH" },
        "debtor_account": { "iban": "FI2112345600000785" },
        "remittance_information": ["Invoice 2026-0412"],
        "reference_number": { "scheme": "FI", "reference": "1232" },
        "requested_execution_date": "2026-05-26",
        "priority_code": "NORM",
        "charge_bearer_code": "SLEV"
      },
      "psu_type": "personal",
      "redirect_url": "https://example.org/payment-callback",
      "state": "pay-correlation-9876"
    }
  },
  "response": {
    "status": 200,
    "body": {
      "url": "https://aspsp.example/sca/authorize-payment?payment_id=pay_01HV...&state=pay-correlation-9876",
      "payment_id": "pay_01HV9XCDE...",
      "payment_status": "RCVD"
    }
  }
}