ActOnce Spend Gateway
Lets you set spending rules an AI agent can't override before it buys anything
Sits between an AI agent and a payment method, checking every purchase against a YAML policy, like amount limits, merchant allowlists, business hours and duplicate windows, before approving, rejecting or queuing it for human sign-off. It never sees card numbers or Stripe credentials, only emitting a decision. The open-source CLI and MCP server are free and run entirely local, with hosted dashboards, more agents and higher check limits starting at $24 a month.
What holds up
- +Never sees your card or Stripe credentials — it only emits approve or reject decisions
- +Core policy engine, CLI and MCP server are free, open source and run entirely local
- +SQLite dedup window stops an agent from making the same purchase twice by accident
Mind the limits
- −Doesn't handle payments itself — you still need Stripe Link or another processor
- −Free tier's Telegram approval supports only one user
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