curl --request POST \
  --url https://api.yapily.com/hosted/vrp-requests/commercial \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "applicationId": "00000000-0000-0000-0000-000000000000",
  "userId": "00000000-0000-0000-0000-000000000000",
  "applicationUserId": "any",
  "userSettings": {
    "language": "EN",
    "location": "GB"
  },
  "institutionIdentifiers": {
    "institutionId": "mock-sandbox",
    "institutionCountryCode": "GB"
  },
  "controlParameters": {
    "maxAmountPerPayment": {
      "amount": 1.23,
      "currency": "GBP"
    },
    "periodicLimit": {
      "frequency": "MONTHLY",
      "maxAmount": {
        "amount": 2.46,
        "currency": "GBP"
      }
    },
    "validFrom": "2026-01-01T00:00:00Z",
    "validTo": "2027-02-02T11:59:59Z"
  },
  "initiationDetails": {
    "reference": "Test",
    "payee": {
      "name": "Mr. Beneficiary",
      "accountIdentifications": [
        {
          "type": "SORT_CODE",
          "identification": "112233"
        },
        {
          "type": "ACCOUNT_NUMBER",
          "identification": "12345678"
        }
      ]
    }
  },
  "redirectUrl": "https://parameter-viewer.yapily.com/",
  "oneTimeToken": true,
  "riskDetails": {
    "paymentContextCode": "TransferToThirdParty",
    "paymentPurposeCode": "OTHR",
    "categoryPurposeCode": "OTHR",
    "merchantCustomerId": "00000000-0000-0000-0000-000000000000",
    "isPayeePrepopulated": false,
    "payeeAccountType": "Personal"
  }
}
'

{
  "meta": {
    "tracingId": "12345678901234567890123456789012"
  },
  "data": {
    "requestId": "00000000-0000-0000-0000-000000000000",
    "institutionIdentifiers": {
      "institutionId": "mock-sandbox",
      "institutionCountryCode": "GB"
    },
    "userSettings": {
      "language": "EN",
      "location": "GB"
    },
    "hostedUrl": "https://...",
    "createdAt": "2026-01-01T00:00:00.000Z",
    "authorisationExpiresAt": "2027-02-02T11:59:59.000Z"
  }
}