> ## 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 account-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 account-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 a text message 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 account-level default payment source agents charge. \{ source: 'balance' } = always create single-use cards from the cash balance; \{ 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": {}
}
```


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