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Payment Charge Policy
Pre-action governance for agent-initiated payments. Enforces per-currency caps, merchant/region allowlists, category blocks, assurance minimums, and idempotency.
v1.0.0
Requirements
Required Capabilities
payments.charge
Minimum Assurance Level
L2
Required Limits
currency_limits
allowed_merchant_ids
allowed_countries
blocked_categories
max_items_per_tx
require_assurance_at_least
idempotency_required
approval_required
Enforcement Rules
These rules are automatically enforced when using this policy pack
currency_supported
region_in
idempotency_required
amount_ltelimits.payments.charge.currency_limits.{currency}.max_per_tx
daily_cap_checklimits.payments.charge.currency_limits.{currency}.daily_cap
merchant_allowlistlimits.payments.charge.allowed_merchant_ids
country_allowlistlimits.payments.charge.allowed_countries
category_blocklistlimits.payments.charge.blocked_categories
item_count_caplimits.payments.charge.max_items_per_tx
Best Practices
- Cache /verify with ETag; 60s TTL
- Subscribe to status webhooks for instant suspend
- Log all charge attempts for Verifiable Attestation
- Implement daily spend tracking per currency to prevent abuse
- Always use unique idempotency keys to prevent duplicate charges
- Provide clear error messages to help agents self-remediate
- Maintain merchant allowlists for trusted partners
- Block high-risk categories (weapons, illicit goods)