Accept the buyer
AI agents use accept_return_offer to commit financial operations through Mcp Ap2 — usually the final step of a payment, billing, or trading workflow. A call moves real money.
The server is explicitly a payment protocol (AP2), and sibling tools deal with disputes, subscriptions, and discounts. 'accept_return_offer' most likely commits a financial obligation by accepting a return/refund offer from a buyer, which constitutes a financial action. Confidence is slightly reduced due to the truncated description.
From the tool's definition Tool name 'accept_return_offer' on a server described as 'Google's Agent-to-Agent Payment Protocol (authorization, audit, trust)'; sibling tools include 'accept_dispute_claim', 'activate_subscription', 'add_discount' — all financial operations.
Documented attack patterns abuse exactly the kind of access accept_return_offer gives an agent:
PolicyLayer is an MCP gateway — it sits between your AI agents and Mcp Ap2, and nothing reaches the server without passing your rules. This is the rule we recommend for accept_return_offer:
{
"version": "1",
"default": "deny",
"tools": {
"accept_return_offer": {
"deny_if": [
{
"conditions": [],
"on_deny": "Requires human approval."
}
]
}
}
} Any call to accept_return_offer is blocked until a human approves it. The rest of the server keeps working.
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Accept the buyer. It is categorised as a Financial tool in the Mcp Ap2 MCP Server, which means it involves financial transactions. Block by default and require explicit approval.
Register the Mcp Ap2 MCP server in PolicyLayer and add a rule for accept_return_offer: 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 Ap2. Nothing to install.
accept_return_offer is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.
Yes. Add a rate_limit block to the accept_return_offer 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.
Set action: deny in the PolicyLayer policy for accept_return_offer. 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.
accept_return_offer is provided by the Mcp Ap2 MCP server (@codespar/mcp-ap2). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Start from Mcp Ap2, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.
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