apple-human-interface-guidelines

MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (high risk: 1.00). The skill explicitly includes payment technologies and APIs: references for Apple Pay, In‑App Purchase, and Tap to Pay on iPhone are listed under "Technologies — Payments & Commerce." Those are specific payment integration APIs (i.e., explicit payment functionality), so per the rule to flag when a skill contains specific payment APIs, this is Direct Financial Execution relevant.