MCP serversh.agentcard/agentcard

Generate a secure checkout link the user opens to add cash to their own balance (the money that funds new cards) via Apple Pay or Google Pay, in USD. Calling this tool moves NO mon

Remember a merchant on a card so the next matching charge is allowed even when the card's category or merchant rules would otherwise deny it. One tool call — does not replace the r

Resolve a pending approval request (approve or deny) once the USER has decided. Use this after get_card_details or create_card returns a 202 requiring approval, or for a row from l

Shop and check out, in natural language, across the merchants the user has linked (DoorDash, etc.). Pass the whole ask as `request` — e.g. "order a caesar salad from Zuni on DoorDa

Connect a merchant for shopping. For merchants that need a real login (e.g. DoorDash) this opens a secure hosted browser session and returns a URL the user opens to log in; after t

Check the status of a hosted merchant login started with buy_connect. Returns linking (still in progress — call again in a few seconds), linked (success — the merchant is ready to

List merchants available for agent commerce (Rappi, Good Eggs, DoorDash) and whether this user has linked each one. Link a merchant before shopping it.

Disconnect a merchant — drops the saved session + link. The user must re-link (e.g. hosted connect) before shopping it again.

Check the conversational verification state — use after the user uploads their ID via the browser upload link (or any time you need to re-orient). Returns the current step and the

Permanently close a virtual card. This is irreversible — the card cannot be reopened. Safe to call on an already-closed card (idempotent). The user's rewards card (the card their t

The one card tool: get the user a virtual debit card for a purchase. Cards are live and charged for real when used. For a FIRST-TIME user it starts by putting the user's OWN card i

Delete a preset you saved (from save_preset). Refuses built-in template names — there's nothing to delete there. Cards already issued keep whatever rules they have; this only retir

The user's cash balance: the money that funds new cards. Provisions the balance account on first use. Users add cash with Apple Pay or Google Pay in USD; funds are held as USDC. (T

The live balance of ONE virtual card (the user's overall cash balance is get_balance). Prefer this over get_card_details when you only need to verify available funds: it is faster

Get decrypted PAN, CVV, expiry, and current balance for a specific card. Use this only when you need to fill in a payment form — prefer get_card_balance if you only need the balanc

Read a card's preset (spend limits, rate limits, allowed categories/merchants, time windows, and surfaces) as a plain-English summary. A card without a preset is unrestricted.

Call this FIRST; returns the latest usage guide for shopping with `buy` AND for operating the Agentcard account tools (cards, funding, your own card, KYC, support).

Check the user's identity verification (KYC) status. Returns whether they are verified and, if not, the current state plus the conversational next step. Use this to poll after the

Show the user's current subscription plan, card limits, and this month's usage. Call this before create_card when you need the per-card amount cap or remaining monthly quota, and A

Show the user's tokenback: balance, lifetime earned, and recent activity. Tokenback pays tokens (1 token = 1¢ of credit value) on settled card spend. AI cards (create_card scope_pr

View the user's notification preferences (which email alerts they receive), their default payment source (which card or balance agents charge — check it before picking a funding so

The user's hosted wallet, as one shareable URL. Opens their Agentcard wallet in the browser: every card in one place, apply for an Agentcard card (identity verification runs right

Link or merge another Agentcard account that belongs to the same person. Use when the user says they already have an account under a DIFFERENT email or phone number — most often af

List the user's ADDED cards (their own Visa/Mastercard cards enrolled via create_card's add-card flow — the funding source that charges their own card), with ids, brand, last4, exp

The user's wallet: every live card they hold, with IDs, last four digits, expiry, balance, and status, plus `vaultCards`: the user's OWN cards stored in their Agentcard vault (disp

List the third-party apps the user has connected to their Agentcard account via OAuth (e.g. Kilo), including when each was connected and whether it is still active. Read-only. To r

List the saved payment methods (used only to pay for flight bookings, not for cards or adding funds). Returns each method with its id, brand, last 4 digits, and expiry, and marks t

List the user's PENDING approval requests: asks from connected apps (create a card, view full card details, close/pause/resume a card, change a limit) waiting on the user's decisio

List every preset you can use by name: the built-in templates (ai_labs, weekday_meals, cli_only, daily) plus any you've saved yourself, each with a plain-English summary of its rul

Transactions with amount, merchant, status, and timestamps. Pass card_id for one card's transactions; OMIT it for every card in the account (newest first, each row tagged with its

Manage a recurring meal/grocery SUBSCRIPTION (e.g. Locale) — NOT a one-time purchase, and no payment is taken (the subscription auto-bills the card on file at the merchant). action

Tell the vault which card product one of the user's own stored cards is (e.g. "Chase Sapphire Preferred", "Amex Gold"), so smart purchases can rank it. Takes a vault card id (a `va

Pause a multi-use card: temporarily blocks ALL new charges (reversible — use resume_card to unblock). Right for "stop this subscription for now" or a card the user suspects is comp

Read the message history of a support conversation

Ask the vault which of the user's own stored cards earns the most for a purchase (smart purchases). Pass the merchant name, its website when you know it, and the amount. Returns th

Redeem a promo code that adds money to the user's cash balance. Each code works once per user; the credit lands in the balance and becomes spendable within a minute or two. Some co

Redeem tokenback: the tokens' cash value (1 token = 1¢) lands on the user's rewards card as spending power. The rewards card is permanent and locked to AI-lab merchants (OpenAI, An

Remove (unenroll) one of the user's added cards. Irreversible for that enrollment: any virtual cards created against it are closed first, then the card is unenrolled at the network

Resume a paused multi-use card so it accepts charges again. The inverse of pause_card.

Revoke a third-party app's access to the user's Agentcard account. Disconnects the app and invalidates its OAuth tokens; it must reconnect via OAuth to regain access. Pass the clie

Save your own preset — a named set of rules (spend caps, category/merchant/place/currency/day/hour/program restrictions) you can reuse by name in set_card_preset or create_card. Sa

Send a message in an existing support conversation

Update a card's preset. Pass a template name (ai_labs, weekday_meals, cli_only, daily), a saved preset name (from list_presets), a comma-separated template list, or inline JSON / {

Save a payment method used ONLY to pay for flight bookings (the fare is charged to it via a hold at booking; no virtual card is created for flights). It does NOT fund cards or the

Begin (or resume) identity verification. Verification is CONVERSATIONAL: it starts with a photo of the user's government ID — the backend reads the printed details automatically an

Send (or re-send) the user's one-time funding verification code (the provider verifies the phone on the user's Agentcard identity, valid 60 days). add_funds already sends this code

Start a new support conversation and send the first message

Submit the user's ID photo for identity verification. Ways in: (a) image data you hold programmatically (e.g. the user sent the photo in this chat and your platform exposes its byt

Submit identity fields for verification: the ones the ID photo didn't carry (listed by missingFields — the tax/ID number always has to be asked since IDs don't print it; call it "S

Submit the user's phone number and terms acceptance for a virtual card. Call this after create_card returns user_info_required. Do NOT ask the user for occupation, income, or accou

Buy the user something totally unexpected and very silly/stupid-fun under a small dollar cap (default $10, hard max $25). Great when the user cannot decide what to order (from Door

Change a multi-use card's total spending limit. Raising it reserves the extra amount from the user's cash balance (top up with add_funds if short); lowering it frees the difference

Start a paid-plan upgrade. Choose the target plan: 'basic' ($15/mo — 15 cards/month, up to $500 per card) or 'pro' ($100/mo — 50 cards/month, up to $1,000 per card). Defaults to 'b

Check the one-time code the user received from start_phone_verification. On success the balance is unlocked for funding (the verification stays fresh for 60 days) — call add_funds

Show who you are operating as: the authenticated AgentCard account's email, user id, name, plan, KYC + account status, member-since date, and how this session is connected (persona