cancel_payment

Authentication: settlement:prepare
Mutates state: Yes
Idempotency: Stable request_id
Confirmation: Obtain explicit user confirmation before calling

{
  "request_id": "stable retry ID",
  "payment_id": "pay_...",
  "reason": "optional"
}

Call only after reading get_payment. Core requests cancellation of opened non-terminal settlements, expires unopened route agreements, and returns the unified view. If funds moved, do not report cancellation from intent alone. Trust the returned payment and failure state. A pending World ID challenge may remain visible until expiry but cannot resume a cancelled payment.

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