Initiates 3D Secure (3DS) payer authentication for a payment order. This endpoint must be called when a payment order is in PAYER_AUTHENTICATION_DEVICE_DATA_REQUIRED status. It processes device information and returns authentication details for completing the 3DS challenge.
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For legacy single-Payment orders (`allowPartials=false`), `paymentId` is optional and the sole Payment is refunded. For split-tender orders (`allowPartials=true`), `paymentId` is required — the caller must say which Payment to refund. The action does NOT update the order's `status` directly: the orchestrator consumer recomputes the aggregate status from the resulting PaymentEvent. After a full refund of every Payment, the order transitions to REFUNDED (terminal). After a partial refund, it transitions back to PARTIALLY_PAID and accepts new Payments via the addPayment endpoint. 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