createPaymentRequest

THE RISK

Critical Risk

Why createPaymentRequest needs a policy

A payment request, even as a request to receive money, commits a financial obligation and initiates a transaction flow that involves money movement. Misuse could result in fraudulent payment requests being sent to counterparties, impersonation, or unauthorized financial obligations.

From the tool's definition Tool name 'createPaymentRequest' combined with description 'Create a payment request to receive money into your account' explicitly involves financial obligation.

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

POLICY

How to control createPaymentRequest

PolicyLayer is an MCP gateway — it sits between your AI agents and Bunq MCP, and nothing reaches the server without passing your rules. This is the rule we recommend for createPaymentRequest:

policy.json

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

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

Create a free account and register Bunq MCP — 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 Bunq MCP tools

Financial createPayment Create real-money payments (transfers immediately). Only available when using Financial createDraftPayment Create draft payments with optional scheduling (requires review / approval in Read bunqAccounts Get your Bunq accounts with details like account type, balance, and ID Read getPaymentAutoAllocates Get automatic payment allocation settings for an account Read getRequestInquiries Get money requests you've sent from a specific account Read getTopCounterparties Get a list of unique person counterparties based on recent transactions Read getTransactions View transactions (payments) for a specific account

All 8 Bunq MCP tools →

Financial tools on other servers

0xarchive web3_subscribe Math MCP Server financial_calculator MCP Kling generate_video MCP Uber Server uber_request_ride

Go deeper

Critical-risk tools in Bunq MCP → 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 createPaymentRequest

What does the createPaymentRequest tool do? +

Create a payment request to receive money into your account. It is categorised as a Financial tool in the Bunq MCP MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on createPaymentRequest? +

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

What risk level is createPaymentRequest? +

createPaymentRequest 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 createPaymentRequest? +

Yes. Add a rate_limit block to the createPaymentRequest 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 createPaymentRequest completely? +

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

createPaymentRequest is provided by the Bunq MCP server (wilcokruijer/bunq-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Bunq MCP tool call.

Start from Bunq MCP, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

CHECK YOUR STACK →