card_id: UUID of the card to replacecity: Delivery city (required for physical cards)replacement_reason: Optional reason for replacement (LOST, STOLEN, OTHER)idempotency-key header: Required for request deduplicationsession_id: Session ID to use for OTP verification/cards/replacement/verify-otp with the session_id and OTP to complete400 INVALID_INPUT: Invalid request body or parameters400 INVALID_CITY: Invalid city provided (required for physical cards)404 CARD_NOT_FOUND: Card does not exist412 INVALID_CARD_STATUS: Card is not in ACTIVE status503 SERVICE_UNAVAILABLE: Service temporarily unavailable503 INVALID_CARD: Card replacement failed (Paymentology error)