chargeback-flow-test-author

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

• Direct money access detected (high risk: 1.00). The skill is explicitly about operating payment gateways and dispute APIs. It contains specific, gateway-level calls (e.g., stripe.paymentIntents.create, stripe.disputes.list/retrieve/update, Adyen disputesApi.acceptDispute, PayPal disputesClient.get) to create disputable charges, submit dispute evidence, accept/inspect disputes, and verify ledger reversals. These are payment-gateway operations (Stripe/Adyen/PayPal) — i.e., direct financial execution authority rather than a generic tool.