{
  "paymentLink": {
    "id": "usmer-kiqt7rz1qvwqnryhvbqf463q",
    "createdAt": "2026-07-02T20:31:25.000Z",
    "updatedAt": "2026-07-02T20:31:25.000Z",
    "linkToken": "de4261dd-548a-4cbc-9f48-9d13924e3d7d",
    "userId": null,
    "status": "ACTIVE",
    "statusReason": null,
    "initialAccessBy": "2026-07-03T20:31:20.000Z",
    "merchantId": "usmer-rtn86be1xb9jzb5qwib6z0i9",
    "recurrenceType": "SINGLE",
    "referenceId": "REF-ONEOFF-2",
    "referenceLabel": "One-off USD",
    "description": null,
    "creditAmount": "100.50",
    "creditCurrency": "USD",
    "debitCurrency": "USD",
    "nextPaymentDate": null,
    "lastPaymentDate": null,
    "paymentAttempts": 0,
    "startDate": null,
    "endDate": "2027-01-31",
    "collectionCount": null,
    "customFields": {
      "name": "John Doe",
      "email": "john@example.com"
    },
    "autopays": []
  }
}