Change merchant application status to "UW Level 1: Pending"

The POST /api/v1/merchant/underwritingPending API method updates the status of a merchant's application to "UW Level 1: Pending" in the payment processing system. This endpoint requires authentication and is used to mark a merchant's application as awaiting initial underwriting review. The response includes a status code confirming the update or highlighting any errors. This method is essential for advancing the merchant's application in the underwriting process.

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