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 integration for "移动医保支付2.0" and contains concrete payment operations: mixed-pay order creation ("医保自费混合下单"), JSAPI / 小程序 调起支付 (invoking payments), order query, and refund/notification handling. It provides example API calls, signing/keys, and end-to-end payment/refund workflows—i.e., a payment gateway integration capable of sending payment and refund transactions. This meets the "Direct Financial Execution" criteria.