post
https://api.wingspan.app/v3/payments/credits//complete
Complete all or part of a credit remainder using Refund, OffPlatform or Close. Requires elevated authentication and Idempotency-Key. Refund requires payments.invoice-refund:write and a paid source invoice, and cannot exceed the refundable balance. After 412, re-read the credit and retry with its current ETag and a new Idempotency-Key.
Requires a session with recent MFA step-up for HighRiskWriteAction. If step-up is missing or expired, this operation returns 403 StepUpMfaRequired; create and verify an MFA challenge at /v3/platform/mfa-challenges with requiredFor: "HighRiskWriteAction", then retry.
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