create_payment_mandate

THE RISK

Critical Risk

Why create_payment_mandate needs a policy

The tool explicitly creates a payment mandate that authorizes financial settlement. A payment mandate is a financial instrument that commits funds and creates binding financial obligations. Even though it may be a 'final' credential rather than executing the payment itself, creating the mandate that authorizes settlement is a financial action with irreversible consequences.

From the tool's definition 'Create an AP2 payment mandate — the final Verifiable Credential authorizing settlement against a cart mandate.' This tool creates a mandate that authorizes settlement/payment, which commits financial obligations.

Documented attack patterns abuse exactly the kind of access create_payment_mandate gives an agent:

POLICY

How to control create_payment_mandate

PolicyLayer is an MCP gateway — it sits between your AI agents and Mcp Afip, and nothing reaches the server without passing your rules. This is the rule we recommend for create_payment_mandate:

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "create_payment_mandate": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}

Any call to create_payment_mandate is blocked until a human approves it. The rest of the server keeps working.

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EXPLORE

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Financial authorize_transaction Authorize a transaction (reserve funds without capturing) via Braintree GraphQL authorizeP Financial cancel_collection Cancel a scheduled collection request Financial cancel_credit Cancel an authorized-but-uncaptured credit payment. Financial cancel_payment Attempt to cancel a payment that has not yet settled. Iniciador endpoint: POST /payments/{ Financial cancel_payment_intent Cancel a payment intent that has not yet been captured. Fails on already-captured intents; Financial cancel_recurrence Cancel an active recurrence. Future charges will stop; already-charged cycles are untouche Financial cancel_subscription Cancel a subscription by ID Financial revoke_token Revoke an issued access_token or refresh_token at POST /v1/token/revoke. Use to terminate

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Go deeper

Critical-risk tools in Mcp Afip → Every critical-risk tool this server exposes, in one view.
All critical-risk MCP tools → Every critical-risk tool across the catalogue, and the policy pattern that contains them.
The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Human-in-the-loop → When a tool call should wait for a person — and when policy can decide alone.
Tool call approval → Approval gates on individual tool calls: auto-allow, prompt, or deny.
How to Add Spending Controls to Any MCP Agent →
Rate Limiting MCP Tool Calls: A Practical Guide →

FAQ

Questions about create_payment_mandate

What does the create_payment_mandate tool do? +

Create an AP2 payment mandate — the final Verifiable Credential authorizing settlement against a cart mandate. It is categorised as a Financial tool in the Mcp Afip MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on create_payment_mandate? +

Register the Mcp Afip MCP server in PolicyLayer and add a rule for create_payment_mandate: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Mcp Afip. Nothing to install.

What risk level is create_payment_mandate? +

create_payment_mandate is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.

Can I rate-limit create_payment_mandate? +

Yes. Add a rate_limit block to the create_payment_mandate rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block create_payment_mandate completely? +

Set action: deny in the PolicyLayer policy for create_payment_mandate. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides create_payment_mandate? +

create_payment_mandate is provided by the Mcp Afip MCP server (codespar/mcp-dev-latam). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Mcp Afip tool call.

Start from Mcp Afip, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

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