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ActOnce Spend Gateway

Policy-driven spending controls for AI agents.

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Description

Policy-driven spending controls for AI agents. Local-first, zero credential exposure, MIT licensed. Install with one npm command. Works with Claude Code, Cursor, OpenClaw, and any MCP agent.

About ActOnce Spend Gateway

What is ActOnce Spend Gateway?

ActOnce Spend Gateway is an open-source policy engine and MCP server providing spending controls for AI agents.

What ActOnce Spend Gateway does

ActOnce Spend Gateway asks whether an agent should be allowed to spend an amount with a merchant before any money moves. The system checks spending rules in a simple YAML file with amount limits, merchant allowlists, and SQLite-backed deduplication windows without storing payment credentials. It acts as an MCP server compatible with tools like Claude Code and OpenClaw, routing transactions that exceed auto-approval limits to Telegram or email for human approval.

Who ActOnce Spend Gateway is for

Developers, solo builders, and startups building AI agents that spend money.

How ActOnce Spend Gateway works

Developers install the CLI tool via npm, define rules in a local YAML configuration file, connect the gateway as an MCP server to an agent, and inspect or approve transactions.

Key features

  • Enforces YAML spending rules including single purchase limits, merchant allowlists, and deduplication windows.
  • Prevents repeated transactions through SQLite-backed purchase duplicate detection.
  • Routes purchases exceeding auto-approval limits to human approval via Telegram or email.
  • Exposes an MCP server compatible with OpenClaw, Hermes, Claude Code, and Cursor.
  • Maintains zero credential exposure by acting strictly as a decision engine without handling payment cards.
  • The core gateway is open source under MIT license and runs locally on your machine.

Pricing

As listed on actonceapi.com, checked 8 November 2026. Prices can change; see the site for current terms.

  • Free: $0 per month for open-source self-hosted gateway, local policy engine, MCP server, and Telegram alerts.
  • Pro: $24 per month for hosted dashboard, 3 agents, and 1,000 spend checks per month.
  • Team: $99 per month for 10 agents, 10,000 checks per month, team approvals, and webhook integrations.
  • Business: $299 per month for unlimited agents, unlimited checks, audit exports, and priority support.

Facts from actonceapi.com, checked 8 November 2026

  • Licensed under the open-source MIT license.
  • Operates strictly as a decision engine without storing payment cards or tokens.
  • Installs as an open-source CLI via npm.
  • Includes SQLite-backed duplicate purchase detection.

Written from ActOnce Spend Gateway's own website (Homepage). The maker can claim this listing to edit it.

Categories

AI & Machine LearningOpen Source

Frequently asked questions

What is ActOnce Spend Gateway?

ActOnce Spend Gateway is a policy-driven spending control engine and MCP server that governs purchases made by AI agents.

Does the gateway process payment transactions?

No. The gateway is a decision engine that approves, rejects, or queues purchases, while payment tools handle actual transactions.

Are payment credentials stored by the gateway?

No. The gateway has zero credential exposure and never sees or stores cards, tokens, or Stripe credentials.

Which AI agents are compatible?

Any MCP-compatible agent can connect, including Claude Code, Cursor, OpenClaw, and Hermes.

Can the gateway run completely offline?

Yes. The open-source version runs entirely on your local machine using local policy files and an SQLite database.

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