create_link · Paymongo MCP: Risk & Policy

WHAT IT DOES

What create_link does on Paymongo

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

WHY IT NEEDS A POLICY

Why create_link needs a policy

This tool creates a payment link that enables financial transactions. Once shared, it allows customers to make payments, committing financial obligations. Misuse could result in unauthorized payment collection or fraudulent payment links being generated.

From the tool's definition Create a PayMongo Payment Link...Returns a checkout_url and reference_number

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

create_link Approval-gated

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

View as policy code

policy.json

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

GATE THIS TOOL →

Instant setup, no code required.

PolicyLayer is an MCP gateway: every tool call is checked against your rule before it reaches Paymongo, so you can run agents against it safely.

FAQ

Questions about create_link

What does the create_link tool do? +

Create a PayMongo Payment Link (no-code shareable checkout). Returns a checkout_url and reference_number. It is categorised as a Financial tool in the Paymongo MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on create_link? +

Register the Paymongo MCP server in PolicyLayer and add a rule for create_link: 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 Paymongo. Nothing to install.

What risk level is create_link? +

create_link 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_link? +

Yes. Add a rate_limit block to the create_link 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_link completely? +

Set action: deny in the PolicyLayer policy for create_link. 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_link? +

create_link is provided by the Paymongo MCP server (theyahia/paymongo-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.