Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, so baseline is 3, but the description adds genuine meaning: it maps the order ID onto checkout_session_id, states a shared payment token (spt_...) is acceptable, and warns against resending the document or addresses. It does not further clarify the nested buyer/billing_address shapes, which the schema already covers.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.