get_payment_status

Check whether a specific credit payment has settled onto the account's ledger.

                    USAGE INSTRUCTIONS FOR LLM:
                    A credit purchase is charged immediately but CREDITED asynchronously — the money
                    settles at the billing provider, whose webhook then reaches Metadata and records
                    the credit. So "the card was charged" and "the balance is usable" are separate
                    moments, usually seconds to a couple of minutes apart. This tool tells them
                    apart for one specific payment.

                    WHEN TO USE THIS TOOL:
                    - The account owner has paid and given you a payment/transaction reference
                    - You want to confirm a specific purchase landed, rather than just seeing that
                      the balance moved

                    IF YOU DO NOT HAVE A REFERENCE, USE `get_credit_balance` INSTEAD. That is the
                    normal way to wait for a top-up — you rarely need the reference.

                    Poll every 20-30 seconds, not continuously. `status` is "pending" until it
                    lands and "settled" after.

                    EXPECTED RESPONSE FORMAT:
                    {
                      "reference_id": "maxio:txn:987654",
                      "status": "settled",       // or "pending"
                      "settled": true,
                      "amount_usd": 50.0,        // null while pending
                      "settled_at": "2026-08-07T12:01:00",
                      "balance_usd": 37.5,       // the balance right now
                      "is_exhausted": false      // false means you can resume work
                    }