Deletes or submits a deletion request for a payment default, depending on its current status.
- If the status was PENDING, the record is deleted immediately. If the status was ACTIVE, ENDED, or DISPUTED, a deletion request is submitted for manual review instead. In both cases, a 200 OK response is returned.
- If the payment default status is ACTIVE, ENDED, or DISPUTED the deleteReason parameter is required.

A 422 Unprocessable Entity error is returned if:
- deleteReason is missing (required when status is ACTIVE, ENDED, or DISPUTED).
- deleteReason exceeds 1,000 characters.
- A deletion request has already been submitted for this payment default.

A 404 Not Found error is returned if no payment default with the given ID exists.