get_account_payment_details

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description carries full burden. It discloses the tool retrieves payment details with specific payment rails, but does not state it's read-only or mention any side effects or permissions needed. Adequate but basic.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Is the description appropriately sized, front-loaded, and free of redundancy?

Single sentence with no wasted words. The description is front-loaded with the core action and key features (RTP/FedNow, version).

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Even with an output schema, the description does not explain what 'ACH details' encompasses, what RTP/FedNow support means, or typical response structure. Insufficient context for a new user.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 0% and the description does not mention parameters at all. The agent must rely solely on parameter names, which add no semantic meaning beyond identifiers.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states it retrieves ACH details with specific support for RTP/FedNow, and mentions version v3. It is specific and helps differentiate from sibling tools like get_account_ach_details, though not explicitly distinguished.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Does the description explain when to use this tool, when not to, or what alternatives exist?

No guidance on when to use this tool versus alternatives like get_account_ach_details. No context on prerequisites or typical use cases is provided.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.