create_invoice · Xendit MCP: Risk & Policy

WHAT IT DOES

What create_invoice does on Xendit

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

WHY IT NEEDS A POLICY

Why create_invoice needs a policy

Creating a payment invoice via a payment gateway initiates a financial transaction or payment obligation. This directly commits a financial action (requesting payment from a customer), placing it firmly in the Financial category. Misuse could result in fraudulent invoices being sent to customers or unauthorized financial commitments.

From the tool's definition "Create a payment invoice via Xendit" on a payment gateway server that "provides tools to create invoices, disbursements, virtual accounts, QR codes, e-wallet charges"

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

create_invoice Approval-gated

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

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FAQ

Questions about create_invoice

What does the create_invoice tool do? +

Create a payment invoice via Xendit. It is categorised as a Financial tool in the Xendit MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on create_invoice? +

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

What risk level is create_invoice? +

create_invoice 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_invoice? +

Yes. Add a rate_limit block to the create_invoice 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_invoice completely? +

Set action: deny in the PolicyLayer policy for create_invoice. 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_invoice? +

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