{
  "operation": "createPayment",
  "request": {
    "method": "POST",
    "url": "https://api.yapily.com/payments",
    "headers": {
      "Authorization": "Basic {base64(applicationId:applicationSecret)}",
      "consent": "{consent-token}",
      "psu-id": "psu-1234",
      "Content-Type": "application/json"
    },
    "body": {
      "paymentIdempotencyId": "f8e7d6c5-b4a3-4f2e-9d8c-7a6b5c4d3e2f",
      "payment": {
        "amount": {"amount": 25.50, "currency": "GBP"},
        "type": "DOMESTIC_PAYMENT",
        "reference": "INV-2026-0042",
        "payee": {
          "name": "Acme Ltd",
          "accountIdentifications": [
            {"type": "SORT_CODE", "identification": "040004"},
            {"type": "ACCOUNT_NUMBER", "identification": "12345678"}
          ]
        }
      }
    }
  },
  "response": {
    "status": 201,
    "body": {
      "meta": {"tracingId": "trace-abc-123"},
      "data": {
        "id": "pay-9f8e7d6c-b4a3-4f2e-9d8c-7a6b5c4d3e2f",
        "status": "PENDING",
        "createdAt": "2026-05-25T10:14:32.117Z",
        "amount": {"amount": 25.50, "currency": "GBP"},
        "reference": "INV-2026-0042",
        "institutionConsentId": "consent-modelo-001"
      }
    }
  }
}