payment-idempotency

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

• Direct money access detected (high risk: 1.00). The skill is explicitly about payment processing: it defines Create Payment, Cancel, Capture, and Refund handlers, enforces idempotency keys (paymentId, requestId), and shows direct calls to an acquirer (acquirer.authorize/process/cancel). Its primary purpose is to manage and control financial transactions with payment gateways/acquirers, preventing duplicate charges and handling refunds/cancellations. This is a specific financial-execution capability (payment gateway / transaction operations).