> ## Documentation Index > Fetch the complete documentation index at: https://docs.agentcard.sh/llms.txt > Use this file to discover all available pages before exploring further. # Tools Reference > Every tool the Agentcard MCP server exposes All tools are prefixed `mcp__agent-cards__*` in your client. Amounts are in **cents** (e.g. \$25 = `2500`); always display them back as dollars. Tools marked **advanced** are not advertised in the default `tools/list` but remain callable by name; browse the full surface with `agent-cards api tools --all`. The granular `buy_*` shopping tools are hidden the same way behind the conversational `buy` tool. ## Getting started | Tool | Purpose | | ------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `get_instructions` | Return the current usage guide — call this first. | | `whoami` | Show which account this session operates: email, name, plan, KYC + account status, and whether it's a personal login or a third-party OAuth connection. | | `submit_user_info` | Submit the one-time basics (phone number, `terms_accepted`) required before the first card. | | `link_account` | Add another email or phone, or merge a second Agentcard account you own (two-step one-time code; the identity-verified account survives). The fix for a duplicate-identity KYC rejection. See [Linking accounts](/personal/linking-accounts). | | `list_pending_approvals` | List the approval requests waiting on your decision (the asks from connected apps). The agent surfaces them; you decide. | | `approve_request` | Approve or deny a pending approval request. | ## Identity verification (KYC) Conversational identity verification — see [KYC & approvals](/personal/kyc-and-approvals). | Tool | Purpose | | ----------------------- | ------------------------------------------------------------------------------------------------------------------------------------ | | `start_kyc` | Start (or resume) identity verification; returns the next step or a secure verification link. | | `get_kyc_status` | Poll the verification status until it lands. | | `submit_kyc_document` | Submit a photo of the government ID (front, and back when asked). | | `check_kyc_document` | Check what the submitted document was read as. | | `submit_kyc_fields` | Fill any fields the document didn't cover. | | `complete_kyc_transfer` | *Advanced.* One-time migration for accounts verified under the legacy flow (before July 2026) so funding can reuse the verification. | ## Cards | Tool | Purpose | | ------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `list_cards` | List all cards with IDs, last four, expiry, balance, and status, including (under the shared wallet) cards other connected apps minted. | | `create_card` | Create a new virtual Visa card (`amount_cents`; funded from your balance, or minted against your attached card when you have one; `source: "issued"` forces the balance). | | `attach_card` | Attach your own Visa card so purchases charge it directly, with no KYC and no balance funding. Two-phase: send the user the secure link, then call again to confirm. | | `list_attached_cards` | List the attached-card enrollments; the newest active one is the default mint target (`create_card` picks one via `connected_card_id`). | | `remove_attached_card` | Unenroll an attached card (virtual cards minted against it close first). Always confirm with the user. | | `get_card_balance` | Check a card's live balance without exposing credentials. Renamed from `check_balance` in July 2026. | | `get_card_details` | Get decrypted PAN, CVV, and expiry (may require approval). | | `pause_card` / `resume_card` | Reversibly block and unblock charges on a multi-use card. | | `update_card_limit` | Raise or lower a multi-use card's total limit. | | `close_card` | Permanently close a card (irreversible). | | `list_transactions` | Transactions with amount, merchant, status, and timestamps: one card with `card_id`, or the whole account without it. | | `list_all_transactions` | *Advanced.* The account-wide flat list (now folded into `list_transactions`). | | `list_transactions_by_payment_method` | *Advanced.* Transactions grouped by payment method — balance (USDC) spend, saved-card spend, test spend, and Apple Pay / Google Pay deposits — with merchant info and the buy order behind each purchase. | ## Balance | Tool | Purpose | | ----------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `get_balance` | Show the cash balance (sets the account up on first use). Renamed from `get_wallet` in July 2026. | | `add_funds` | Add USD via Apple Pay / Google Pay — returns a checkout link for the user. Sends the phone verification code automatically when one is needed. Renamed from `fund_wallet` in July 2026. | | `start_phone_verification` | Re-send the funding one-time code (fresh for 60 days once verified). | | `verify_phone` | Check the one-time code the user reads back. | | `redeem_code` | Apply a promo code and credit the balance (once per user per code). | | `list_codes` | *Advanced.* Show which promo codes the user has used and which are still available to retry. | | `submit_funding_profile` | *Advanced.* One-time funding questionnaire (five multiple-choice answers) so funding checkouts skip the provider's own. | | `create_withdrawal_recipient` | Save a bank account as a withdrawal destination (US ACH, or international IBAN + SWIFT; some countries need one extra field like IFSC/CLABE/BSB). | | `list_withdrawal_recipients` | List the saved bank destinations, masked (bank name and last four only); use an id as `recipient_id` with `withdraw`. | | `withdraw` | Withdraw to the saved bank account, or as USDC on Base with `destination_address`. Processed manually by the Agentcard team, usually within 1-3 business days; the user is emailed at each step. Renamed from `withdraw_wallet` in July 2026. | ## Payment methods | Tool | Purpose | | ---------------------------- | --------------------------------------------------------------------- | | `setup_payment_method` | Save a payment method via Stripe (charged only for flight bookings). | | `list_payment_methods` | List saved methods (id, brand, last4, expiry); marks the default. | | `set_default_payment_method` | *Advanced.* Choose which saved method is charged for flight bookings. | | `remove_payment_method` | *Advanced.* Remove a saved payment method. | ## Plans | Tool | Purpose | | -------------- | -------------------------------------------------------------------- | | `get_plan` | Show current plan, per-card cap, monthly usage, and upgrade options. | | `upgrade_plan` | Start a Stripe Checkout to upgrade (Basic or Pro). | | `cancel_plan` | *Advanced.* Cancel the active paid subscription (revert to Free). | ## Rewards | Tool | Purpose | | ---------------- | ------------------------------------------------------------------------------- | | `get_rewards` | Show the tokenback balance and rate. See [Rewards](/personal/concepts/rewards). | | `redeem_rewards` | Redeem tokenback (1 token = 1 cent) as balance credit. | ## Shopping (`buy`) The conversational `buy` tool runs the whole shop-and-checkout flow; the granular `buy_*` tools back it and are hidden by default. See the [Shopping guide](/personal/shopping). | Tool | Purpose | | --------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------- | | `buy` | Natural-language shopping: describe a purchase and it runs the flow. | | `surprise_me` | Buy the user something fun under a dollar cap, through the same buy flow. | | `buy_list_merchants` | List merchants and link status. | | `buy_connect` / `buy_connect_status` | Link a merchant account with a hosted connect link, then poll until it lands. | | `buy_link_merchant` / `buy_confirm_merchant` / `buy_unlink_merchant` | Link (credential flow), confirm, or disconnect a merchant. | | `manage_subscription` | Manage a merchant subscription (e.g. skip a delivery, change a setting). | | `buy_search_stores` / `buy_select_store` | Find and scope to a store within a multi-store merchant. | | `buy_search_products` | Search a linked merchant for products. | | `buy_add_to_cart` / `buy_set_item_quantity` / `buy_remove_from_cart` / `buy_view_cart` / `buy_clear_cart` | Build and inspect the cart. | | `buy_set_budget` | Set a spend budget. | | `buy_checkout` | Place and pay for the cart. | | `buy_order_history` / `buy_reorder` / `buy_track_order` / `buy_set_substitution` | Review, re-create, track orders, and set out-of-stock preferences. | | `buy_addresses` / `buy_set_default_address` | List and set delivery addresses. | ## Settings | Tool | Purpose | | ----------------- | ----------------------------------------------------------------------------------------- | | `get_settings` | Show notification and authorization preferences. | | `update_settings` | *Advanced.* Change email notification preferences (the dashboard is the primary surface). | ## Support | Tool | Purpose | | ---------------------- | -------------------------------------- | | `start_support_chat` | Open a new support conversation. | | `send_support_message` | Send a message in a conversation. | | `read_support_chat` | Read a conversation's message history. | ## Connected apps | Tool | Purpose | | ------------------- | ------------------------------------------------- | | `list_connections` | List third-party apps connected to your account. | | `revoke_connection` | Disconnect one of them (its tokens stop working). |