curl --request POST \
  --url https://api.notchpay.co/beneficiaries \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '{
  "channel": "cm.mtn",
  "name": "John Doe",
  "account_number": 237680000000,
  "email": "john@example.com",
  "phone": 237680000000,
  "description": "Employé",
  "country": "CM",
  "reference": "ref_123456789"
}'

{
  "code": 201,
  "status": "Created",
  "message": "Beneficiary created successfully",
  "beneficiary": {
    "id": "ben_123456789",
    "name": "John Doe",
    "email": "john@example.com",
    "phone": 237600000000,
    "country": "CM",
    "payment_method": "pm.ndzAfIh555VCPML1",
    "created_at": "2023-01-01T12:00:00.000Z"
  }
}