curl --request POST \
  --url https://business-api.userivo.co/business/v1/payments/initiate \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": 50000,
  "currency": "NGN",
  "customer": {
    "email": "customer@example.com",
    "name": "John Doe"
  },
  "reference": "my_custom_ref_123",
  "redirectUrl": "https://example.com/payment-success"
}
'

{
  "status": "success",
  "message": "Payment link created successfully",
  "data": {
    "reference": "my_custom_ref_123",
    "code": "abc123def456",
    "link": "https://payment.userivo.co/checkout/abc123def456"
  }
}