// MCP TOOL REFERENCE

create_payment_token

Tokenize a credit card server-side. Endpoint: POST /payment_token. WARNING: using this from your server subjects you to PCI audits — prefer iugu.js client-side tokenization in production.

ServerMcp Ap2
CategoryFinancial

How to control create_payment_token ↓

WHAT IT DOES

What create_payment_token does on Mcp Ap2

AI agents use create_payment_token to commit financial operations through Mcp Ap2 — usually the final step of a payment, billing, or trading workflow. A call moves real money.

THE RISK

Critical Risk

Why create_payment_token needs a policy

This tool processes credit card information to create payment tokens, which directly commits financial obligations by enabling charge capability. It is the most severe category (Financial > Destructive > Execute > Write > Read). Tokenizing credit cards is a foundational step in payment processing and misuse could lead to unauthorized charges or fraud.

From the tool's definition Tool name 'create_payment_token' combined with description stating it 'Tokenize[s] a credit card server-side' and is part of 'Agent-to-Agent Payment Protocol'. The warning about 'PCI audits' confirms this handles payment instrument data.

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

POLICY

How to control create_payment_token

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_token:

policy.json

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

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

Create a free account and register Mcp Ap2 — nothing to install.
Add this policy — paste it, or build it visually.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

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EXPLORE

Related tools and policies

More Mcp Ap2 tools

Financial authorize_transaction Authorize a transaction (reserve funds without capturing) via Braintree GraphQL authorizeP Financial block_card Block a card temporarily (reversible). Use for lost-card or fraud-suspected flows. Card st Financial cancel_bill Cancel a pending bill Financial cancel_collection Cancel a scheduled collection request Financial cancel_credit Cancel an authorized-but-uncaptured credit payment. Financial cancel_debit Cancel a debit-card payment by Getnet payment_id. Financial cancel_invoice Cancel/void an authorized invoice (FECancel — limited to certain types/conditions) Financial cancel_order Cancel an order, optionally restocking and refunding

All 1300 Mcp Ap2 tools →

Financial tools on other servers

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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.
How to Add Spending Controls to Any MCP Agent →
Rate Limiting MCP Tool Calls: A Practical Guide →

FAQ

Questions about create_payment_token

What does the create_payment_token tool do? +

Tokenize a credit card server-side. Endpoint: POST /payment_token. WARNING: using this from your server subjects you to PCI audits — prefer iugu.js client-side tokenization in production. 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_token? +

Register the Mcp Ap2 MCP server in PolicyLayer and add a rule for create_payment_token: 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_token? +

create_payment_token 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_token? +

Yes. Add a rate_limit block to the create_payment_token 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_token completely? +

Set action: deny in the PolicyLayer policy for create_payment_token. 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_token? +

create_payment_token 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.

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