curl -X PUT 'https://api.yativo.com/api/v1/beneficiaries/payment-methods/update/pm-a1b2c3d4-e5f6-7890-abcd-ef1234567890' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: pm-update-001' \
  -d '{
    "gateway_id": 42,
    "currency": "CLP",
    "nickname": "Maria Savings Account",
    "payment_data": {
      "account_number": "98765432",
      "bank_code": "014",
      "account_type": "savings",
      "rut": "12.345.678-9"
    }
  }'

{
  "status": "success",
  "data": {
    "id": "pm-a1b2c3d4-e5f6-7890-abcd-ef1234567890",
    "user_id": "usr-001",
    "gateway_id": 42,
    "currency": "CLP",
    "nickname": "Maria Savings Account",
    "payment_data": {
      "account_number": "98765432",
      "bank_code": "014",
      "account_type": "savings",
      "rut": "12.345.678-9"
    },
    "beneficiary_id": "7a8b9c0d-1e2f-3a4b-5c6d-7e8f9a0b1c2d",
    "created_at": "2026-04-02T10:30:00.000000Z",
    "updated_at": "2026-04-02T15:00:00.000000Z"
  }
}