Allowance MCP

What is Allowance MCP?

Allowance is a payment security layer for AI agents. It lets agents request scoped human approval, receive limited virtual cards, complete checkout, and report receipts without exposing the human's real card. The server is hosted at https://mcp.useallowance.com.

How to use Allowance MCP?

Connect to the hosted MCP endpoint via an MCP client using OAuth—no API key is needed. Configure the server by adding the URL to your MCP settings JSON: { "mcpServers": { "allowance": { "url": "https://mcp.useallowance.com" } } }. Users authenticate through the client or registry flow.

Key features of Allowance MCP?

• Request spend limits per merchant and reason
• Wait for human approval through Allowance
• Fetch approved contact, shipping, and billing details
• Issue short-lived virtual cards for approved purchases
• Report purchase success or failure for auditability
• Support remote no-browser checkout where available

Use cases of Allowance MCP?

• Agents making online purchases with human oversight
• Automated checkout workflows requiring temporary payment credentials
• Secure agent spending without exposing real card details
• Auditable agent payment trails with receipt reporting

FAQ from Allowance MCP

What authentication does the server use?

OAuth. Users connect through their MCP client or registry flow; no API key is needed in the config.

Where is the server hosted?

At https://mcp.useallowance.com. It is a hosted endpoint, not a local server.

What can agents do with Allowance?

Agents can request spending limits, wait for approval, fetch shipping/billing details, issue virtual cards, and report purchase outcomes.

Does the human's real card get exposed?

No. Agents receive limited virtual cards, and the human’s real card is never shared.

Is there a no-browser checkout option?

Yes, remote no-browser checkout is supported where applicable.