Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint=false, openWorldHint=true, and idempotentHint=false, so the risk profile is partially covered. The description adds that checkout returns a payment URL, invoice ID, and amount, but it does not elaborate on side effects such as invoice creation, gateway auto-resolution, or wallet-specific prerequisites. This is acceptable but not richly transparent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.