Records the user's acceptance of the Payment Account terms.

The first acceptance wins: re-posting "accepted": true for a user who already consented leaves the original consent record — including its acceptance date — unchanged. Recording "accepted": false withdraws consent: the user’s third-party transactions are refused from then on.

ip defaults to the source IP of this API request. When calling from your backend — the normal integration pattern — pass the end user's IP explicitly, otherwise your server's IP is recorded on the consent record.

dateAccepted defaults to the server time of the call.