post https://test.api.promisepay.com/charges
Create a Charge. Charges require a specified Card Account or Bank Account. You may pass through an existing User, or define the user_id of the new user that will be associated with the Charge and the provided Account. The user_id can be left blank if you wish for a new user to be created for the Charge, or specified if you wish for a new User to be created with the passed user_id.