Creates a new payment order record with the specified amount and bank account.

Payment orders track money that needs to be transferred to external parties, such as
landlords. New payment orders are typically created in the 'pending' status and must
go through an approval workflow before being processed.

When creating a payment order, you must specify the amount and the bank account that will receive
the payment. The bank account determines the recipient profile (landlord, tenant, or supplier)
and the system will automatically set the appropriate counterparty type based on the profile.

You can provide the amount either directly in cents (amount_in_cents) or as a decimal
number (amount) which will be converted to cents.