age-verification-methods

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

• Direct money access detected (high risk: 1.00). The skill explicitly prescribes using payment-card transactions as an age-verification method: Method 5 describes performing a micro-transaction (charge and refund), requires handling card data under PCI DSS, and references 3D Secure authentication and retention policies for transaction records. The BrightPath implementation also uses a credit-card micro-transaction in its parental verification flow. These are explicit instructions to initiate financial transactions (charge/refund) rather than generic mention of APIs or browser automation, so the skill contains direct financial execution capability.