Could not process incoming request - square connect SDK

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Sorry, we could not process the incoming request. Please try again or contact support

I get this error when making a SDK payment request; I have double checked my application (client) id; I got the merchant ID by requesting the merchant profile; I have checked the ios bundle id and call back urls., cant seem to find a reason this wouldnt work (I am an approved partner).

square-commerce-v1://payment/create?data={"state":"Useful information","callback_url":"{{redacted}}","merchant_id":"{{redacted}}","amount_money":{"amount":100,"currency_code":"USD"},"options":{"clear_default_fees":true,"supported_tender_types":["CREDIT_CARD"]},"client_id":"{{redacted}}","sdk_version":"1"}
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I believe this error is occurring because the provided value of the data parameter is not URL-escaped. If you URL-escape everything after data=, the request should succeed.