     public var issuer : Issuer?
     public var payerCost : PayerCost?
     public var token : Token?
-    public var payer = Payer()
+    public var payer : Payer!
     public var transactionDetails : TransactionDetails?
     public var discount : DiscountCoupon?
     

        if let discount = self.discount {
            obj["discount"] = discount.toJSON()
        }
      
        if let payer = self.payer {
            obj["payer"] = payer.toJSON()
        }
        return obj
    }


    
    func toJSON() -> [String:Any] {
       var obj:[String:Any] = [
            "payment_method" : self.paymentMethod.toJSON(),
            "payer" : payer.toJSON()
       ]
        
        if let payerCost = self.payerCost {
