diff --git a/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/dto/PaymentApprovalReq.java b/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/dto/PaymentApprovalReq.java
new file mode 100644
index 0000000..6a630cd
--- /dev/null
+++ b/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/dto/PaymentApprovalReq.java
@@ -0,0 +1,26 @@
+package io.shinhanlife.axhub.biz.mcp.tool.dto;
+
+import com.fasterxml.jackson.annotation.JsonInclude;
+import lombok.Data;
+
+/**
+ * @package io.shinhanlife.axhub.biz.mcp.tool.dto
+ * @className PaymentApprovalReq
+ * @description AX HUB 시스템 처리 클래스
+ * @author 김형식
+ * @create 2026.09.01
+ * <pre>
+ * ---------- 개정이력 ----------
+ * 수정일      수정자    수정내용
+ * ---------- -------- ---------------------------
+ * 2026.09.01  김형식    최초생성
+ *
+ * </pre>
+ */
+@Data
+@JsonInclude(JsonInclude.Include.NON_NULL)
+public class PaymentApprovalReq {
+    private String accountNumber;
+    private long amount;
+    private String paymentMethod;
+}
diff --git a/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/dto/PaymentApprovalRes.java b/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/dto/PaymentApprovalRes.java
new file mode 100644
index 0000000..7c95450
--- /dev/null
+++ b/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/dto/PaymentApprovalRes.java
@@ -0,0 +1,27 @@
+package io.shinhanlife.axhub.biz.mcp.tool.dto;
+
+import com.fasterxml.jackson.annotation.JsonInclude;
+import lombok.Data;
+
+/**
+ * @package io.shinhanlife.axhub.biz.mcp.tool.dto
+ * @className PaymentApprovalRes
+ * @description AX HUB 시스템 처리 클래스
+ * @author 김형식
+ * @create 2026.09.01
+ * <pre>
+ * ---------- 개정이력 ----------
+ * 수정일      수정자    수정내용
+ * ---------- -------- ---------------------------
+ * 2026.09.01  김형식    최초생성
+ *
+ * </pre>
+ */
+@Data
+@JsonInclude(JsonInclude.Include.NON_NULL)
+public class PaymentApprovalRes {
+    private String status;
+    private String message;
+    private String transactionId;
+    private long approvedAmount;
+}
diff --git a/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/service/PaymentApprovalService.java b/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/service/PaymentApprovalService.java
new file mode 100644
index 0000000..fcafaf4
--- /dev/null
+++ b/axhub-tool-payment/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/service/PaymentApprovalService.java
@@ -0,0 +1,55 @@
+package io.shinhanlife.axhub.biz.mcp.tool.service;
+
+import io.shinhanlife.axhub.biz.mcp.tool.annotation.McpFunction;
+import io.shinhanlife.axhub.biz.mcp.tool.annotation.McpTool;
+import io.shinhanlife.axhub.biz.mcp.tool.dto.PaymentApprovalReq;
+import io.shinhanlife.axhub.biz.mcp.tool.dto.PaymentApprovalRes;
+import org.springframework.stereotype.Service;
+import lombok.extern.slf4j.Slf4j;
+import java.util.Map;
+import java.util.UUID;
+
+/**
+ * @package io.shinhanlife.axhub.biz.mcp.tool.service
+ * @className PaymentApprovalService
+ * @description AX HUB 시스템 처리 클래스
+ * @author 김형식
+ * @create 2026.09.01
+ * <pre>
+ * ---------- 개정이력 ----------
+ * 수정일      수정자    수정내용
+ * ---------- -------- ---------------------------
+ * 2026.09.01  김형식    최초생성
+ * 
+ * </pre>
+ */
+@Slf4j
+@Service
+@McpTool(
+    routingType = "MCI",
+    group = "PAYMENT"
+)
+public class PaymentApprovalService extends AbstractMcpToolService {
+
+    @McpFunction(
+        name = "paymentapproval",
+        description = "결제 승인 처리",
+        prompt = "결제 승인 처리 해줘.",
+        mappingId = "PAY_001"
+    )
+    public Object execute(PaymentApprovalReq req) {
+        log.info("[Payment] 결제 승인 요청 수신. 계좌: {}, 금액: {}", req.getAccountNumber(), req.getAmount());
+        
+        // 레거시 연동
+        Map<String, Object> result = executeLegacy("MCI", "PAY_001", req);
+        
+        // 가짜 데이터 응답 매핑 (AI 에이전트가 그럴듯하게 보여주기 위함)
+        if ("SUCCESS".equals(result.get("status"))) {
+            result.put("transactionId", "TX_" + UUID.randomUUID().toString().substring(0, 8).toUpperCase());
+            result.put("approvedAmount", req.getAmount());
+            result.put("message", "결제가 성공적으로 승인되었습니다.");
+        }
+        
+        return result;
+    }
+}