A requirement the spck.dev suite checks on UCP servers. The quoted text is the normative requirement; the citation links to the exact line of the pinned spec source it was taken from.
A payment instrument must include id, handler_id, and type, where handler_id corresponds to the id of the payment handler definition.
A deviation on a MUST fails the run and shows the requirement next to the actual response. Checks the suite cannot validate soundly are reported inconclusive or not-tested — never a silent pass. The full verdict semantics are on the grading rubric.
The hosted check covers the read-only surface; the CLI and GitHub Action run the full suite, including this check when your store declares the capability it belongs to.