merchant-pain-prevention

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

• Direct money access detected (high risk: 1.00). The skill explicitly describes and prescribes use of Shopify's Billing API and GraphQL mutations to create/cancel subscriptions and issue credits (e.g., appSubscriptionCreate, appUsageRecordCreate, appSubscriptionCancel with prorate, "issue a credit via the Billing API", and a checklist requiring all billing through Shopify Billing API). These are concrete, specific financial operations (creating/cancelling charges, issuing credits), not generic or hypothetical tooling—therefore it grants direct financial execution capability.