wechatpay-medical-insurance-payment

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

• Direct money access detected (high risk: 1.00). The skill is explicitly a WeChat Pay "医保支付" (medical insurance payment) integration. It provides specific payment gateway functionality: mixed-payment order creation ("医保自费混合下单"), JSAPI / 小程序 调起医保自费混合支付 (invoking payments), order query, refund notifications and handling, signing/verification, and sample API call code. These are direct, purpose-built payment APIs and flows (including refunds and callbacks), not generic tooling—therefore it grants direct financial execution capability.