curl --request POST \
  --url https://api.consumer.younegotiate.com/accounts/{consumer}/payments/helping-hand-link \
  --header 'Authorization: Bearer <token>'

import requests

url = "https://api.consumer.younegotiate.com/accounts/{consumer}/payments/helping-hand-link"

headers = {"Authorization": "Bearer <token>"}

response = requests.post(url, headers=headers)

print(response.text)

const options = {method: 'POST', headers: {Authorization: 'Bearer <token>'}};

fetch('https://api.consumer.younegotiate.com/accounts/{consumer}/payments/helping-hand-link', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.consumer.younegotiate.com/accounts/{consumer}/payments/helping-hand-link",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://api.consumer.younegotiate.com/accounts/{consumer}/payments/helping-hand-link"

	req, _ := http.NewRequest("POST", url, nil)

	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.consumer.younegotiate.com/accounts/{consumer}/payments/helping-hand-link")
  .header("Authorization", "Bearer <token>")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.consumer.younegotiate.com/accounts/{consumer}/payments/helping-hand-link")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body

{
  "message": "Helping Hand link generated.",
  "data": {
    "mode": "accepted_payment_plan",
    "type": "payment_plan",
    "title": "Your Payment Plan Gift Link",
    "description": "You're not alone anymore! Share this link so anyone can gift a payment on your payment plan. Every gift helps you move forward and gives back with a tax deduction.",
    "account": {
      "id": 123,
      "company_id": 45,
      "company_name": "ABC Collections",
      "account_name": "Visa Account",
      "account_number": "ACC-100"
    },
    "negotiation": {
      "id": 789,
      "negotiation_type": "installment",
      "negotiation_type_label": "Payment Plan",
      "offer_accepted": true,
      "counter_offer_accepted": false,
      "first_pay_date": "2026-06-25"
    },
    "payment": {
      "amount": "640.00",
      "label": "Pay off $640.00",
      "monthly_amount": "80.00",
      "installment_type": "monthly",
      "installment_type_label": "Monthly",
      "no_of_installments": 8
    },
    "default_allocation": "due_date",
    "payment_url": "https://consumer.younegotiate.com/payment?c=313233&allocation=due_date&signature=signed",
    "qr_code": {
      "payload_url": "https://consumer.younegotiate.com/payment?c=313233&allocation=due_date&signature=signed",
      "image_url": "https://api.consumer.younegotiate.com/qr-code?c=313233&allocation=due_date&signature=signed"
    },
    "allocation_options": [
      {
        "value": "due_date",
        "label": "Pay earliest installments first",
        "sort_direction": "asc",
        "payment_url": "https://consumer.younegotiate.com/payment?c=313233&allocation=due_date&signature=signed",
        "qr_code": {
          "payload_url": "https://consumer.younegotiate.com/payment?c=313233&allocation=due_date&signature=signed",
          "image_url": "https://api.consumer.younegotiate.com/qr-code?c=313233&allocation=due_date&signature=signed"
        }
      },
      {
        "value": "plan_level",
        "label": "Pay latest installments first",
        "sort_direction": "desc",
        "payment_url": "https://consumer.younegotiate.com/payment?c=313233&allocation=plan_level&signature=signed",
        "qr_code": {
          "payload_url": "https://consumer.younegotiate.com/payment?c=313233&allocation=plan_level&signature=signed",
          "image_url": "https://api.consumer.younegotiate.com/qr-code?c=313233&allocation=plan_level&signature=signed"
        }
      }
    ]
  }
}

{
  "message": "<string>"
}

{
  "message": "<string>"
}

{
  "message": "<string>"
}

{
  "code": "profile_incomplete",
  "message": "Please complete your communication profile before viewing accounts.",
  "required_steps": [
    "profile_communication"
  ]
}

{
  "message": "<string>",
  "errors": {}
}