> ## 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.

# update_settings

> Update the user's email notification preferences, their default delivery address (the wallet-level shipping address agents use when buying physical goods for t…

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

**Behavior:** idempotent.

<Note>Not in the default `tools/list`. It is still callable by exact name, and appears when the client sends the `x-expert-tools: 1` header.</Note>

## What it does

Update the user's email notification preferences, their default delivery address (the wallet-level shipping address agents use when buying physical goods for them), and/or their default payment source (which card or balance agents charge). Pass only the fields to change. Confirm a new delivery address or default payment with the user before saving it. Authorization (approval) settings cannot be changed here — they are managed in the dashboard.

## Inputs

| Field                         | Type    | Description                                                                                                                                                                                                                                                                   |
| ----------------------------- | ------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `card_details_accessed`       | boolean | Email when a card's full details (PAN/CVV) are accessed.                                                                                                                                                                                                                      |
| `card_created`                | boolean | Email when a new card is created.                                                                                                                                                                                                                                             |
| `transaction`                 | boolean | Email on each card transaction.                                                                                                                                                                                                                                               |
| `card_closed`                 | boolean | Email when a card is closed.                                                                                                                                                                                                                                                  |
| `low_balance`                 | boolean | Email when a card balance drops below the low-balance threshold.                                                                                                                                                                                                              |
| `support_activity`            | boolean | Copy the user on support-chat activity: messages sent to Agentcard support on their behalf and replies from support (email, or an iMessage text when they have no email).                                                                                                     |
| `low_balance_threshold_cents` | number  | Low-balance alert threshold in cents (e.g. 500 = \$5.00).                                                                                                                                                                                                                     |
| `delivery_address`            | object  | Set the default delivery address (full replace — pass every field each time). Confirm it with the user first.                                                                                                                                                                 |
| `clear_delivery_address`      | boolean | true = remove the saved default delivery address. Do not combine with delivery\_address.                                                                                                                                                                                      |
| `default_payment`             | object  | Set the wallet-level default payment source agents charge. \{ source: 'balance' } = always create single-use cards from the wallet; \{ source: 'connected', connected\_card\_id } = always charge that added card (ids from list\_added\_cards). Confirm with the user first. |
| `clear_default_payment`       | boolean | true = back to auto (an active added card wins, else the balance). Do not combine with default\_payment.                                                                                                                                                                      |

## Returns

| Field                  | Type        | Description                                                        |
| ---------------------- | ----------- | ------------------------------------------------------------------ |
| `message` *(required)* | string      | Human-readable summary of the updated settings.                    |
| `status`               | string      | Result status: "ok", or "noop" when no fields were provided.       |
| `notifications`        | object      | The updated email notification preferences.                        |
| `authorization`        | object      | Authorization (approval) settings — read-only.                     |
| `delivery_address`     | object/null | The saved default delivery address after the update, or null.      |
| `default_payment`      | object/null | The saved default payment source after the update, or null (auto). |

## Example call

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