// MCP TOOL REFERENCE

create_zero_auth

ServerMcp Ap2
CategoryFinancial

WHAT IT DOES

What create_zero_auth does on Mcp Ap2

AI agents use create_zero_auth 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_zero_auth needs a policy

Although no funds are committed, this tool submits a financial authorization request through a payment acquirer network. It interacts with payment infrastructure (card authorization systems) and could be misused to validate stolen cards at scale (carding attacks). The Financial category applies because it triggers a real transaction authorization flow, even at $0, and operates within a payment protocol context (AP2).

From the tool's definition Zero-dollar authorization / card validation (POST /zeroauth). Braspag routes a $0 (or minimum-amount) authorization through the acquirer to confirm the card is live and not blocked, without committing funds.

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

POLICY

How to control create_zero_auth

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_zero_auth:

policy.json

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

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

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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_zero_auth

What does the create_zero_auth tool do? +

Zero-dollar authorization / card validation (POST /zeroauth). Braspag routes a $0 (or minimum-amount) authorization through the acquirer to confirm the card is live and not blocked, without committing funds. Returns Valid=true/false plus ReturnCode/ReturnMessage. Useful before saving a card-on-file for future recurrence. 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_zero_auth? +

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

create_zero_auth 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_zero_auth? +

Yes. Add a rate_limit block to the create_zero_auth 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_zero_auth completely? +

Set action: deny in the PolicyLayer policy for create_zero_auth. 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_zero_auth? +

create_zero_auth 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.

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