Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, so the description must add parameter meaning, and it does: it explains the payment.instruments structure, the important handler_id and credential.token fields, and the need for meta['idempotency-key'] plus meta['ucp-agent']. It does not discuss the id parameter or checkout.signals, but these are less critical for invoking the tool correctly.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.