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 and specifically about payment processing and instructs implementing Create Payment, Cancel, Capture, and Refund handlers that call an acquirer (e.g., acquirer.authorize, acquirer.process, acquirer.cancel, acquirer.createPixCharge). It defines idempotency keys, state transitions, and exact response fields used to track transactions. These are concrete, payment-specific operations intended to initiate/authorize/cancel/settle funds movement with payment gateways/acquirers — i.e., direct financial execution capability.