Requires a payee-owned bank account with microdeposits Pending and attempts remaining, or an already Verified bank. A replacement never inherits a previous request's payer proof; acceptance without this request's confirmationToken requires staff review. The engagement defaults to the payer default engagement. The token is returned rather than a URL; build your own page URL. Email delivery is attempted by default. Creation returns the request and token even if delivery fails; use resend to retry delivery. Identical creates recover the pending request without sending another email. A different request for the same engagement and bank is refused while one is pending. Cancel a mistaken request before creating a corrected one. Set shouldSendEmail=false to deliver the link yourself. Acceptance creates a Recurring mandate with a Maximum cap, but does not install a funding pair. Wait for Mandate.Activated and install the pair on this engagement using the existing engagement update.