curl --request GET \
  --url https://getmipay.com/api/v1/virtual-cards/users/{reference} \
  --header 'Authorization: Bearer <token>'

{
  "success": true,
  "message": "Virtual card user created successfully",
  "data": {
    "id": 12,
    "merchant_id": 3,
    "reference": "SP6A9F21D0VC",
    "first_name": "Alex",
    "last_name": "Moris",
    "email": "alex.moris@example.com",
    "contact": "690112233",
    "dob": "1994-03-21T00:00:00.000000Z",
    "country_code": "237",
    "billing_name": "Alex Moris",
    "is_business": false,
    "business_name": null,
    "billing_address": "Carrefour Bastos",
    "billing_city": "Yaoundé",
    "billing_country": "CM",
    "billing_state": "Centre",
    "billing_postal_code": "00123",
    "id_number": "CNI004829191",
    "status": "active",
    "created_at": "2025-10-02T12:45:30.000000Z",
    "updated_at": "2025-10-02T12:45:30.000000Z"
  }
}