> ## 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.

# allow_card_merchant

> Remember a merchant so the next charge there passes the card's category and merchant rules.

Connect to `https://mcp.agentcard.sh/mcp` with the **user's connection token** (or a `buy_token` for org-owned accounts).

## What it does

Remember a merchant so the next charge there passes the card's category and merchant rules. One tool call: no form, no support ticket, no new card, and the merchant stays allowed on that card from then on. The loop is three lines: the purchase is refused and the agent is told why; the agent calls this tool naming the merchant; the card resumes and the retry goes through. The pause or watch notice names the card id and the merchant pattern to pass. Pass `card_id` to remember it on that card, the default. Pass `scope: "account"` to allow it for the whole account instead; every card the user creates from now on allows the merchant, and cards they already have keep working as they do today. The rest of the preset stays in force: spend, place, currency, time, and `only_from` rules still apply. The pattern is a case-insensitive substring of the merchant descriptor. If a multi-use card was paused after settlement, remember the merchant, call resume\_card, then retry. See [Allow a refused merchant](/issuing/set-rules-on-a-card#allow-a-refused-merchant).

## Inputs

| Field                  | Type                       | Description                                                                                             |
| ---------------------- | -------------------------- | ------------------------------------------------------------------------------------------------------- |
| `pattern` *(required)* | string                     | Merchant name pattern to remember, e.g. `STARBUCKS` or `ODD CAFE`.                                      |
| `card_id`              | string                     | Card id (from list\_cards). Required when `scope` is `card` (default).                                  |
| `scope`                | string: `card` · `account` | Where to remember the merchant. Default `card`. Use `account` for the standing preset (omit `card_id`). |

## Returns

| Field                  | Type    | Description                                                                                                                                                                   |
| ---------------------- | ------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `message` *(required)* | string  | Human-readable result or guidance for the next step.                                                                                                                          |
| `pattern`              | string  | The normalized pattern that was remembered.                                                                                                                                   |
| `scope`                | string  | `card` or `account`.                                                                                                                                                          |
| `summary`              | string  | Plain-English summary of the rules now in force.                                                                                                                              |
| `policyVersion`        | number  | The new preset version.                                                                                                                                                       |
| `needsNewCard`         | boolean | Card scope only: true when the card keeps a network category allowlist the remember cannot widen.                                                                             |
| `messages`             | array   | Card scope only: plain-English notes on where the remember is enforced.                                                                                                       |
| `preset`               | object  | Preset summary, or null when unrestricted: `id`, `name` (null for an anonymous preset), `version`, and a plain-English `summary` of the rules, remembered merchants included. |

## Example call

```json theme={null}
{
  "tool": "allow_card_merchant",
  "arguments": {
    "card_id": "cmtt4mw7s001fbr8zeel9tzse",
    "pattern": "GROCERY MART"
  }
}
```