Given pay demand data creates a relevant record and returns
created pay demand object, including payment URL.

Payload provides both economic and descriptive parameters of the payment being requested.

Destination bank account must be previously specified by the user within Crezco app.

NOTE: Assignment of default bank accounts is done interactively by the end-user either via separate
partner onboarding workflow for the user, or via a user dashboard.

This operation is idempotent, meaning that if multiple requests are submitted
with the same idempotency id, then results of the first successful request will be returned.

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