> ## 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.

# get_settings

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

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

**Behavior:** read-only, idempotent.

## What it does

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 source for them), their default delivery address (the wallet-level shipping address to use when buying physical goods for them — check it before asking them to dictate an address), and authorization settings (whether viewing card details or making transactions requires explicit approval). Authorization settings are read-only here; change the rest with the gated tool update\_settings, calling it by name even though it isn't in the tools list.

## Inputs

None.

## Returns

| Field                  | Type        | Description                                                                                                                                                                  |
| ---------------------- | ----------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `message` *(required)* | string      | Human-readable settings summary.                                                                                                                                             |
| `notifications`        | object      | Email notification preferences.                                                                                                                                              |
| `authorization`        | object      | Authorization (approval) settings — read-only.                                                                                                                               |
| `delivery_address`     | object/null | The wallet-level default delivery address (street/city/state/zip + optional address2/phone/name), or null when unset.                                                        |
| `default_payment`      | object/null | The wallet-level default payment source: \{ source: 'balance' } or \{ source: 'connected', connected\_card\_id }. null = auto (an active added card wins, else the balance). |

## Example call

```json theme={null}
{
  "tool": "get_settings",
  "arguments": {}
}
```