{
  "request": {
    "method": "POST",
    "url": "https://api.wellsfargo.com/payments",
    "headers": {
      "Authorization": "Bearer {access_token}",
      "Content-Type": "application/json",
      "Accept": "application/json"
    },
    "body": {
      "amount": 5000.00,
      "currency": "USD",
      "recipientAccount": "987654321",
      "description": "Vendor invoice payment INV-2026-0142"
    }
  },
  "response": {
    "status": 201,
    "headers": {
      "Content-Type": "application/json"
    },
    "body": {
      "paymentId": "pmt-2026-001234",
      "status": "PENDING",
      "amount": 5000.00,
      "currency": "USD",
      "recipientAccount": "987654321",
      "description": "Vendor invoice payment INV-2026-0142",
      "createdAt": "2026-05-03T14:30:00Z",
      "estimatedSettlement": "2026-05-03T17:00:00Z"
    }
  }
}