Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=true, so the safety profile is covered. The description usefully enumerates what comes back (amounts, masked card, gateway message, status), which substitutes for the absent output schema, but says nothing about behavior on a missing/invalid id or any auth/rate-limit constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.