🔧 Teste Ultra-Simplificado
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📝 Payload:
{
    "transaction_amount": 100,
    "payment_method_id": "pix",
    "payer": {
        "email": "test@example.com"
    }
}

HTTP 401

Resposta:
{
    "code": "unauthorized",
    "message": "invalid access token"
}