Allowance
Creates spend-limited virtual cards and manages purchase permissions so AI agents never see your real card.
Images: useallowance.com
What Allowance can do in ChatGPT
Give agents spending limits, not your card.
Virtual Cards
Make a spend-limited card for one purchase or one store.
Purchase Approvals
Approve what an agent wants to buy before it pays.
Pause Allowances
Stop spending at a specific store with one request.
Active Permissions
See every spending permission that is currently live.
Checkout Details
Pass approved payment details to the agent at checkout.
You stay in control
You approve access, and you can disconnect Allowance at any time.
Apps 1
What Allowance does in ChatGPT
The Allowance plugin lets you approve purchases an AI agent wants to make, without handing over your personal card number. From ChatGPT you can create a virtual card with a spending limit, tied to a single use or a specific store, and the agent pays with that card instead of yours.
Once an allowance exists you can manage it in the chat. Ask which spending permissions are active right now, pause one for a particular shop, or set up a new card for a fixed amount. The plugin can also pass approved checkout details to the agent doing the buying.
The listing is brief and does not explain fees, which card network is used or which countries are supported. It describes the plugin as a way to keep control over what agents spend while they shop for you, with each card capped at the amount you set.
Who it is for
- People letting AI agents shop for them
- Shoppers who want hard spending limits
- Anyone wary of sharing card numbers
How to add Allowance to ChatGPT
- Open the Allowance listing in ChatGPT ↗.
- Click Install plugin.
- Sign in to your Allowance account when asked and approve the access it requests.
- Start a chat and ask for what you need, mentioning Allowance if ChatGPT does not pick it up.
- To stop, disconnect Allowance under apps in your ChatGPT settings.
Questions about Allowance
What is the Allowance ChatGPT plugin?
The Allowance plugin lets you approve purchases an AI agent wants to make, without handing over your personal card number. From ChatGPT you can create a virtual card with a spending limit, tied to a single use or a specific store, and the agent pays with that card instead of yours. It is listed in ChatGPT's plugin marketplace under Finance.
What can I ask Allowance to do in ChatGPT?
For example: "Create a one-time $40 card I can use at Target", "Pause my Amazon allowance", "What spending permissions are active right now?".
Who makes the Allowance plugin for ChatGPT?
The ChatGPT listing names Allowance as the developer. The version listed on 8 October 2026 was 1.0.0.
How do I add Allowance to ChatGPT?
Open the Allowance listing in ChatGPT, click Install plugin, sign in to your Allowance account and approve the access it asks for. Then ask for what you need in a chat, mentioning Allowance if ChatGPT does not pick it up.
Can Allowance change things in my account, or only read?
It can create and pause virtual cards, approve agent purchases and share approved checkout details. It works with the allowances in your Allowance account.
Who is the Allowance plugin for?
People letting AI agents shop for them, shoppers who want hard spending limits and anyone wary of sharing card numbers.
Does the agent ever see my real card number?
No. The listing says the point of Allowance is to give agents a spend-limited virtual card so your personal card number stays private.
Can I limit a card to one store?
Yes. The examples show cards tied to a specific shop and a fixed amount, such as a one-time card for one retailer.
Does Allowance see my ChatGPT chats?
When Allowance is connected, ChatGPT may share the parts of your chats and memories that matter for a request with Allowance. What Allowance does with that data falls under its own terms and privacy policy. ChatGPT keeps your training-data settings, and you can disconnect at any time.
How do I disconnect Allowance from ChatGPT?
Open your ChatGPT settings, go to apps, and disconnect Allowance. You can reconnect later from the listing.
What are alternatives to Allowance in ChatGPT?
Similar plugins in the ChatGPT marketplace include Brex, OnePay and AI Expense. Each has its own page in this directory.
Privacy and your data
When Allowance is connected, ChatGPT may share the parts of your chats and memories that matter for a request with Allowance. What Allowance then does with that data falls under its own terms and privacy policy, not only OpenAI's. ChatGPT keeps your training-data settings for data that comes from connected apps, and you can disconnect at any time.
Allowance privacy policy ↗Allowance terms ↗OpenAI: apps in ChatGPT ↗