Read a bill from the user's description and create it for payment. This is the
first step. Capture every address and identifier on the bill (remit-to address,
account/invoice number, any code or pin) - missing details can delay or fail
the payment. The remit-to address (where payment is sent) is especially important:
it is what identifies the correct biller, and a wrong or missing one can match the
bill to the wrong biller and cause a failed or delayed payment. Always include it. If
the bill does not show a remit-to address, research the biller's official remit-to /
payment address online and use that rather than omitting it. For the same reason,
capture the bill's online-payment URL in payUrl and any payment phone number in
otherInfo whenever the bill shows them - these strongly identify the correct biller.
Always secure a user identifier so the payment can be applied to the right account or
charge: capture the account/customer number in the account field, and any invoice,
ticket, or reference number in otherInfo - capture all that the bill shows, since some
billers need the account number plus another identifier. If the bill shows none, ask
the user for one rather than proceeding without it.
Before calling, ask the user how much they want to pay (the full
balance amountDue, or a partial amount), then pass it as amount_to_pay and quote
what they said in user_amount_statement - both are required (never invent the
amount). If the payment carries a fee, the result includes a `fees` list - show any
returned fee to the user before continuing. The result also includes a
`payment_link`: give this link to the user as-is so they can enter their card on the
secure form (the only way to set a payment method). If the user already exists from a
prior bill, pass their user_id and auth_token to reuse the account.
Args:
bill_description: structured bill details, including amountDue, amount_to_pay
and user_amount_statement
Returns:
bill/user identifiers, tokens, provider, amount due, the chosen amount_to_pay,
a payment_link to the secure card form, and any user-facing fees
