# NachoNacho MCP > NachoNacho connects your AI agent directly to your virtual card and SaaS spending data. It lets you manage company expenses—creating cards, freezing funds, listing transactions, and checking subscription costs—all via natural conversation. Stop guessing where your money goes; start controlling it. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** saas-spend, virtual-cards, subscription-tracking, spend-management, vendor-management ## Description Your AI agent connects directly to your NachoNacho spending account. You can manage complex SaaS expenditures and vendor payments using simple conversation prompts. It's built so you don't have to jump between dashboards or run API calls just to check a balance or set up a spending limit. Your agent handles the connection, executes the necessary steps, and gives you clear answers. **Managing Your Virtual Cards:** When you need card control, your agent first confirms everything's working with `check_nachonacho_status`. If you need new plastic for a specific job, it can instantly generate a virtual card using `create_card`, or if you just gotta know the status of an existing one, `list_cards` shows every account associated with the setup. You can pull up deep details and current status on any single card using `get_card`. If the spending limit needs tweaking or the name is off, it handles that with `update_card`. For security, if you suspect fraud, your agent locks down a specific card immediately via `freeze_card`; when the risk passes, it reactivates it using `unfreeze_card`. **Auditing Every Dollar Spent:** To figure out where money's going, your agent first gives you an overview of all recent spending with `list_transactions`. If you need to zoom in on a specific purchase—say, that $20 charge from last Tuesday—it pulls up every payment detail for one transaction using `get_transaction`. To keep track of the whole operation, it always lists your current available funds and overall account balance via `list_balances`. **Monitoring Spending & Subscriptions:** For visibility into recurring bills, your agent handles subscriptions. It provides an overview of every active service with `list_subscriptions`, or you can drill down to get the specific details for just one managed SaaS subscription using `get_subscription`. You'll always know exactly what money you've got in the account by calling `list_balances`. When your agent is running, it keeps everything conversational and direct. It doesn't give you fluff; it gives you facts about card lifecycle management (creating or updating cards), auditing spending history (listing all transactions and getting transaction details), tracking current funds (calling list balances), and monitoring subscriptions (getting lists and details of services). You just tell your AI client what you need, and it makes it happen. ## Tools ### check_nachonacho_status Confirms that your connection and credentials are working properly. ### create_card Generates a brand new virtual card for specific spending needs. ### freeze_card Immediately locks down a card to prevent unauthorized spending. ### get_card Retrieves detailed information and current status for a specific virtual card. ### get_subscription Fetches the details for a single managed SaaS subscription. ### get_transaction Shows all payment details for one specific transaction. ### list_balances Lists your current account funds and available balance. ### list_cards Returns a list of every virtual card associated with the account. ### list_subscriptions Provides an overview of all active and managed subscriptions. ### list_transactions Retrieves a comprehensive list of recent card transactions. ### unfreeze_card Reactivates a card that was previously frozen. ### update_card Changes parameters like the spending limit or name on an existing virtual card. ## Prompt Examples **Prompt:** ``` List all virtual cards and their spend. ``` **Response:** ``` Cards: 5. 1) 'Slack' ($50 limit, $42 spent). 2) 'Notion' ($20 limit, $15 spent). 3) 'Figma' ($45 limit, $45 spent ⚠️). 4) 'AWS' ($500 limit, $320 spent). 5) 'GitHub' ($25 limit, Frozen 🧊). Total spend: $422. ``` **Prompt:** ``` Create a virtual card for a new Notion subscription with $25 limit. ``` **Response:** ``` Card created ✅. Name: Notion Pro. Limit: $25/month. Card Number: ****4892. Status: Active. ``` **Prompt:** ``` Freeze the Figma card and show account balance. ``` **Response:** ``` Figma card frozen 🧊. Balance: $1,250.00 available. Active cards: 3. Frozen: 2. ``` ## Capabilities ### Manage Card Lifecycle Create, update, freeze, or unfreeze virtual cards instantly. ### Audit Spending History Retrieve comprehensive lists and details for every card transaction. ### Track Account Funds List the current balance available on your NachoNacho account. ### Monitor Subscriptions Get a list and details of all managed SaaS subscriptions for cost visibility. ## Use Cases ### The Urgent Fraud Check An employee notices an unknown charge. They tell their agent, 'Check this transaction.' The agent runs `get_transaction`, shows the details (merchant name, amount), and confirms if it matches expected spending. ### Onboarding a New Vendor Procurement needs to pay a new contractor. They ask their agent to 'Set up a card for Acme Corp with $500 limit.' The agent runs `create_card`, issues the number, and records it in your system. ### Quarterly Budget Review Finance asks their agent, 'Show me total spending last quarter.' The agent uses `list_transactions` to pull all data, sums up the totals, and flags any card that spent close to its limit. ### Audit Before Vacationing A founder needs peace of mind before leaving. They ask their agent, 'Freeze every development card.' The agent runs `freeze_card` multiple times, ensuring all spending is halted until they return and call `unfreeze_card`. ## Benefits - **Stop Overspending:** Use `create_card` to set spending limits for specific projects. If a card hits its cap, it stops working, preventing unexpected overruns. - **Instant Fraud Control:** If you spot suspicious activity, run `freeze_card`. You can instantly lock the funds and then use `unfreeze_card` when it's safe to resume normal spending. - **Full Visibility on Spend:** Running `list_transactions` gives you a complete audit trail. You don't have to jump between bank portals; all activity is here. - **Clear Budget Tracking:** Call `list_balances` any time, and your agent tells you exactly how much money is available before the next payment clears. - **Catching SaaS Sprawl:** Use `list_subscriptions` to see every recurring bill. This makes it easy to identify unused services that need canceling. ## How It Works The bottom line is that your AI client talks to NachoNacho's backend tools and reports back what it found, without you ever seeing an API call or a dashboard. 1. Your AI client sends an intent (e.g., 'Show me last month's AWS spend') to the NachoNacho MCP Server. 2. The server identifies required actions and runs multiple tools, such as `list_transactions` and `get_subscription`, in sequence. 3. The agent compiles the results—the list of transactions, the current balance, etc.—and gives you a single, plain-English answer. ## Frequently Asked Questions **How do I check my total available spending with NachoNacho?** You run `list_balances`. This tool provides your account's current, real-time funds, telling you exactly how much money is available to spend before the next payment clears. **Can I set a spending limit on a new card using NachoNacho?** Yes. You use `create_card` and specify the desired amount or monthly cap when calling the tool. This keeps your spend contained to exactly what you planned. **If I suspect fraud, how do I stop spending immediately with NachoNacho?** Call `freeze_card`. This instantly locks down all activity on a specific card. Once the issue is resolved, you run `unfreeze_card` to reactivate it. **What if I need details about one specific charge from last month?** Use `get_transaction`. You just provide enough detail (like a date range or merchant name), and the tool pulls all the specifics for that single payment. **How do I reactivate a card that has been frozen using the `unfreeze_card` tool?** You simply call `unfreeze_card(card_id)`. This action immediately restores spending capabilities and updates the status record. Your agent handles this by making sure the physical card is ready to use again, bypassing any manual UI steps. **What data do I get when I run `list_subscriptions`?** The tool returns a comprehensive list of all managed SaaS subscriptions. For each one, you'll receive the service name, current billing cycle cost, and the associated vendor ID. This lets you quickly see where your recurring money is going. **How can I check if my NachoNacho integration is connected using `check_nachonacho_status`?** Running `check_nachonacho_status()` confirms the live link between your AI client and the NachoNacho platform. If it succeeds, you're good to go; if it fails, it tells you exactly what credentials need fixing before any other tool will work. **If I use `get_card(card_id)`, what details do I receive?** The card details include the full name of the virtual card, its current spending limit, and its expiration date. This is more granular than just listing it; you get the specific financial parameters for that single card. **Can I create and manage virtual cards?** Yes. Create cards with spending limits, freeze/unfreeze them, and update configurations. **How does NachoNacho authentication work?** Bearer authentication against `api.nachonacho.com/v1`. **Can I track SaaS subscriptions?** Yes. List all managed subscriptions with plan, cost, renewal date, and associated virtual card.