Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety and external-lookup profile is covered structurally. The description adds the useful detail that the lookup is free (no cost/rate concern), but says nothing about behavior when the payment attempt ID is unknown, whether settlement records can be pending, or what data is returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.