Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so all three parameters (txn_id, requestId, payment_ref) are documented in the schema. The description adds no parameter meaning; the 'object with 3 fields including exception, field' clause refers to the response, not inputs, and is incoherent.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.