create_payment_intent

THE RISK

Critical Risk

Why create_payment_intent needs a policy

This tool creates payment intents, a foundational step in initiating financial transactions. A payment intent commits payment obligations and moves money or sets up commitments thereof. Misuse by an AI agent (e.g., creating intents for unintended recipients, amounts, or purposes) would constitute unauthorized financial transactions.

From the tool's definition Tool name 'create_payment_intent' combined with description referencing 'Pluggy Payments (PISP)' and POST endpoint to payments/intents. PISP (Payment Initiation Service Provider) is explicitly a payments service.

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

POLICY

How to control create_payment_intent

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 create_payment_intent:

policy.json

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

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

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EXPLORE

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Go deeper

Critical-risk tools in Mcp Ap2 → 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.
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Rate Limiting MCP Tool Calls: A Practical Guide →

FAQ

Questions about create_payment_intent

What does the create_payment_intent tool do? +

Create a payment intent for Pluggy Payments (PISP). Pluggy endpoint: POST /payments/intents. 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.

How do I enforce a policy on create_payment_intent? +

Register the Mcp Ap2 MCP server in PolicyLayer and add a rule for create_payment_intent: 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.

What risk level is create_payment_intent? +

create_payment_intent 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_intent? +

Yes. Add a rate_limit block to the create_payment_intent 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_intent completely? +

Set action: deny in the PolicyLayer policy for create_payment_intent. 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_intent? +

create_payment_intent 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.

Enforce policy on every Mcp Ap2 tool call.

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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