{
  "request": {
    "method": "POST",
    "url": "https://api.truelayer.com/v3/payments",
    "headers": {
      "Authorization": "Bearer YOUR_ACCESS_TOKEN",
      "Tl-Signature": "YOUR_JWS_SIGNATURE",
      "Idempotency-Key": "550e8400-e29b-41d4-a716-446655440000",
      "Content-Type": "application/json"
    },
    "body": {
      "amount_in_minor": 10000,
      "currency": "GBP",
      "payment_method": {
        "type": "bank_transfer",
        "provider_selection": {
          "type": "user_selected",
          "filter": {
            "countries": ["GB"],
            "release_channel": "general_availability"
          }
        },
        "beneficiary": {
          "type": "merchant_account",
          "merchant_account_id": "e83c6b8e-5a3c-4b2d-a1f0-9c8b7d6e5f4a",
          "account_holder_name": "Acme Ltd"
        }
      },
      "user": {
        "name": "Jane Smith",
        "email": "jane.smith@example.com",
        "phone": "+447700123456"
      },
      "metadata": {
        "order_id": "ORD-12345",
        "customer_ref": "CUST-ABC"
      }
    }
  },
  "response": {
    "status": 200,
    "body": {
      "id": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
      "user": {
        "id": "b2c3d4e5-f6a7-8901-bcde-f12345678901"
      },
      "resource_token": "eyJhbGciOiJFUzUxMiIsImtpZCI6....(15 min expiry)",
      "status": "authorization_required"
    }
  }
}