Does the description explain when to use this tool, when not to, or what alternatives exist?
The description gives context by noting that only an authoritative COMPLETED payment with matching amount, asset, network, recipient, and reference can support reconciliation. However, it does not explicitly state when to choose this tool over siblings such as auraspay_payment_verify or auraspay_payments_list.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.