post
https://api.wingspan.app/v3/payments/payment-cards
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.
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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