{
  "merchantId": 1000,
  "cardTemplateCode": "1",
  "enforceUniqueFields": [
    "email"
  ],
  "setUserFields": {
    "username": "jdoe",
    "password": "s3cret",
    "firstName": "Jane",
    "lastName": "Doe",
    "email": "jane@example.com"
  },
  "setAccountFields": {},
  "sendSmsVerification": true,
  "smsVerificationCode": "string"
}