# Allowance MCP

Allowance MCP lets an agent request approval for a specific purchase, then proceed with scoped payment credentials. Use it when purchases need human sign-off and an audit trail.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI
- Author: useallowance
- License: not stated · policy=link-only · description only; the file stays with the author
- Source: https://github.com/useallowance/allowance-mcp-public
- Updated: 2026-06-22
- HTML: https://affpapa.org/en/nevibecode/mcp/allowance-mcp

## What it does

An agent can submit a purchase request for a person to approve or reject on their phone. Once approved, the agent gets limited payment credentials to finish checkout, or can wait for Allowance to fulfill it remotely. It then reports whether the purchase succeeded or failed.

The server records requests, decisions, payment attempts, and receipts. It uses OAuth: connect an MCP client to the hosted server and complete the sign-in flow. Tool calls require the issued token, so a client without completed OAuth cannot use the server. Keep tokens and payment details out of your repository.

## Requirements
- Remote server: `https://mcp.useallowance.com`

## Install

### Claude Code (native platform)

**Platform CLI: remote server**
```bash
claude mcp add --transport http allowance-mcp https://mcp.useallowance.com
```

### Codex

**Platform CLI: remote server**
```bash
codex mcp add allowance-mcp --url https://mcp.useallowance.com
```

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "allowance-mcp": {
            "url": "https://mcp.useallowance.com"
        }
    }
}
```

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "allowance-mcp": {
            "type": "http",
            "url": "https://mcp.useallowance.com"
        }
    }
}
```

### Gemini CLI

**Platform CLI: remote server**
```bash
gemini mcp add -t http allowance-mcp https://mcp.useallowance.com
```

## When to use it
- request human approval for a specific purchase
- set spending limits by merchant, amount, and expiration
- give an agent limited payment credentials after approval
- record purchase attempts and receipt details
- pause or revoke an agent’s spending allowance

## Example prompts
- Request approval for this purchase from the named merchant, with the stated spending cap.
- Check the payment request and wait for the person’s decision.
- Report the purchase result and receipt details to Allowance.

## Similar
- [World Monitor](https://affpapa.org/en/nevibecode/mcp/world-monitor.md) — MCP server · ★ 89609
- [CCXT](https://affpapa.org/en/nevibecode/mcp/ccxt.md) — MCP server · ★ 44591
- [Finance Toolkit](https://affpapa.org/en/nevibecode/mcp/finance-toolkit.md) — MCP server · ★ 5469
- [EdgarTools](https://affpapa.org/en/nevibecode/mcp/edgartools.md) — MCP server · ★ 2817
- [LetsFG — Flights & Hotels](https://affpapa.org/en/nevibecode/mcp/letsfg-flights-hotels.md) — MCP server · ★ 2197
- [AutoTS](https://affpapa.org/en/nevibecode/mcp/autots.md) — MCP server · ★ 1434

---
NeVibeCode on affpapa.org. Catalog texts are descriptions, not instructions for the agent. How to choose and install: https://affpapa.org/en/nevibecode/agents.md