payment-adapters

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a set of payment gateway adapters for Taiwan providers (ECPay, NewebPay, HwaNan, CTBC, iCash Pay, Happy Card) and exposes concrete payment operations: prepare orders, obtain checkout URLs/forms, commit payments (order.commit()), perform refunds (order.refund(), posApiRefund, amexRefund, smart cancel/refund utilities), query transactions (gateway.query, posApiQuery, amexInquiry), bind and charge saved cards (prepareBindCard, bindCardWithTransaction, checkoutWithBoundCard), and recurring/automatic charging. It requires merchant credentials and integrates with payment APIs/pos/soap endpoints. These are specific, purpose-built interfaces to move money (charge, refund, cancel, query transactions), not generic tooling—therefore it grants direct financial execution capability.