newebpay

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a payment-gateway integration for NewebPay. It defines merchant credentials (NEWEBPAY_MERCHANT_ID, HASH_KEY, HASH_IV), API base URLs for test/production, and explicitly routes user intents to payment actions: checkout (建立交易 / MPG), transaction query, and refund (處理退款). Because it is specifically designed for payment operations (including refunds), it provides direct financial execution capabilities (payment/refund endpoints and credential handling), so it meets the criteria for Direct Financial Execution.