Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Adds substantial context beyond annotations: price and retention model, required auth scope, failure conditions, returned pedido_id/url, paymentLink behavior, the fact that payment is never completed here, idempotency semantics, and a daily limit. This is rich and consistent with readOnlyHint=false, idempotentHint=true, and destructiveHint=false.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.