Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=false and idempotentHint=false, so the agent already knows this is a mutating, non-idempotent operation. The description adds that the tool returns a payment URL, invoice ID, and amount, providing some outcome transparency. However, it does not disclose side effects such as creating a pending order, whether a charge is actually made, or whether the URL must be completed by the user, which would be valuable for a purchase flow.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.