createPaymentAction
Static helper that builds a single action entry for a payment prompt.
Parameters
actionType
Action type.
"say"— use text-to-speech"play"— play an audio file URL
phrase
Text to speak (when actionType is "say") or URL to play (when actionType
is "play").
Returns
PaymentAction — An object with type and phrase fields, for use in
createPaymentPrompt().