Post Signup Pending
Create or resume a pending signup. Returns the User’s id as pendingId.
Maps service-layer ValueErrors to 400 with the error code in the body so the frontend can show a localized message based on the code, not the English error string. Rate-limited to 20 req/min/IP via slowapi — sufficient for legitimate retries while throttling enumeration attempts.
Returns 201 Created for fresh inserts; 200 OK when a live-pending or abandoned row is resumed (the row already existed).
Body
10 - 2001 - 2001 - 2002ToS / DPA / Privacy timestamps captured at the moment the merchant ticked the checkboxes on Step 1. The IP, if present, is truncated to /24 (IPv4) / /48 (IPv6) inside the service layer for GDPR minimization.
Response
Successful Response
