curl --request POST \
  --url https://getmipay.com/api/v1/virtual-cards/action/card/user \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "first_name": "Doe",
  "last_name": "John",
  "email": "john@gmail.com",
  "country_code": "+237",
  "contact": "697028808",
  "dob": "1985-05-15T18:36:57+00:00",
  "billing_address": "Logbessou",
  "billing_city": "Douala",
  "billing_country": "CM",
  "billing_state": "Littoral",
  "billing_postal_code": "1234",
  "id_number": "125464",
  "is_business": false,
  "business_name": null
}
'

{
  "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"
  }
}