curl --request POST \
  --url https://api.example.com/data/add \
  --header 'Content-Type: application/json' \
  --data '
{
  "merchant_id": "m0100",
  "merchant_customer_id": "HsCustomer1",
  "requester_card_reference": "3ffdf1e5-7f38-4f26-936f-c66a6f4296fa",
  "enc_card_data": "qwe4tyusdfg"
}
'

{
  "payload": {
    "card_reference": "<string>"
  }
}