patch
https://api.wingspan.app/v3/payments/payees//engagements//rate-card
Bind an existing RateCard as the concrete override for this PayeeEngagement. The referenced RateCard must belong to the acting account selected by the session or X-Wingspan-Account; cross-account or unresolved ids return 422. Server evaluation merges the base Engagement.rateCardId with this concrete engagement override, and the override wins. This endpoint does not inline-upsert RateCard contents.
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