Create the durable Pending PaymentCard owned by the effective Account. Use the returned id with the link endpoint to launch Footprint; raw card numbers and CVC are never accepted. Idempotent via Idempotency-Key. Supply subject: { type: Payee, id } for a worker's payout card without a Wingspan login. Request the link token, display Footprint's hosted card form to the worker, then activate using accepted and consentVersion. The worker enters card details directly into Footprint. An active Payee debit card supports Payout only and cannot fund payments.
If externalId is supplied and already used by another resource of this type for the owning Account, the request returns 409 ResourceConflict; create is not an upsert. Use filter[externalId][eq] on the list endpoint to retrieve the existing resource.
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