create_token · Vnpay MCP: Risk & Policy

WHAT IT DOES

What create_token does on Vnpay

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

WHY IT NEEDS A POLICY

Why create_token needs a policy

Creating a card token for recurring payments establishes a stored payment credential that can be used to initiate future financial transactions without further user authorization. This directly enables financial obligations and is part of a payment gateway system (VNPay). Misuse could lead to unauthorized recurring charges, making it a high-severity financial risk.

From the tool's definition Create a card token for recurring payments

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

create_token Approval-gated

Any call to create_token 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_token": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}

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

FAQ

Questions about create_token

What does the create_token tool do? +

Create a card token for recurring payments. It is categorised as a Financial tool in the Vnpay MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on create_token? +

Register the Vnpay MCP server in PolicyLayer and add a rule for create_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 Vnpay. Nothing to install.

What risk level is create_token? +

create_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_token? +

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

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

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