Asks a payee to verify their identity with a government ID and a live selfie. The payee's underlying verification is found or created as part of this call. A request that fulfills a RequirementType: BiometricIdentityVerification requirement is provisioned by the platform when the requirement instance is created; this endpoint is the standalone path for a request that is not tied to one.
Supplying an externalId already in use for this payer account returns 409 ResourceConflict — create is not an upsert. Recover by listing with ?filter[externalId][eq]= to retrieve the existing request.
When the payee's account has no accepted principal person, the verification cannot be started, so the call returns 422 with detailCode users.BiometricIdentityVerificationPrincipalRequired. Once a principal is bound, retry with a new Idempotency-Key; a repeated key replays the earlier 422.
When the payee account's principal person already passed a verification they started themselves on another account, that result is reused, so the request can already be Complete. forceCreate skips this reuse.
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