curl --request POST \
  --url https://api.opencard.io/api/v1/application/accounts/{accountId}/organizations/{organizationId}/cardholders \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "reference_id": "employee_john_42",
  "email": "john@acme.se",
  "language": "sv"
}
'

{
  "id": 15,
  "reference_id": "employee_john_42",
  "organization_id": 3,
  "meta": {
    "signed": false,
    "pdpc_url": "https://sandbox-api.opencard.io/accounts/1/pdpcs/8/sign/abc...",
    "email_delivered": true
  }
}