---
title: "Headless Finance: AI Card Controls for Ad Spend | Flyweel"
description: Headless Finance lets you freeze, unfreeze and budget Flyweel ad cards from Claude, ChatGPT or Cursor. Each change shows a preview and waits for your approval.
url: "https://www.flyweel.co/headless-finance"
type: static
generatedAt: "2026-11-10T05:17:01.193Z"
---

Headless Finance over MCP
# Manage ad cards from your AI tools

Issue, freeze, unfreeze and budget Flyweel ad cards[1](#home-fn-1) from Claude, Cursor or any MCP client.

Every change shows a preview and waits for your approval.
  [Start Free](https://signup.flyweel.co/?variant=control) [MCP setup](/docs/mcp/setup)     ![Flyweel Visa Corporate card](/_vercel/image?url=_astro%2Fcapital-card.CE26IBlQ.webp&w=1200&q=100&dpl=dpl_9STkQC1vcyGhdeNEyB8G5awHGv2m)
## What your AI tool can do with your cards

Headless Finance puts your Flyweel cards behind six tools on the Flyweel MCP. Two read. Four change something, and each of those four needs your confirmation.

### Read your cards

No approval needed. Nothing changes.
    `list_cards` Shows your cards, their status, budget and what is left.  `list_card_transactions` Shows settled, pending and declined charges, so you can review card charges alongside your ad data.
Ask what Meta reported for May and what the Meta card actually settled. Tax, currency conversion and billing dates sit between the two totals, and the agent shows you the gap.

### Change a card

Each one runs only after you confirm it.
    `freeze_card` Declines every new charge on one card until you unfreeze it.  `unfreeze_card` Turns a frozen card back on.  `set_card_budget` Sets a daily, weekly, monthly or lifetime budget on one card.  `issue_card` Issues a new virtual card to an existing cardholder.
## Every change waits for your OK

Every card change is a two-step action. The agent shows a preview of exactly what will happen, and it runs only after you approve it.

### One action. One approval.

The approval is tied to that one action and expires after 5 minutes. The agent cannot confirm on your behalf.

If an ad account is hijacked, one message freezes the card behind it, even when you are locked out of Ads Manager.

### Owners and admins only.

Other roles cannot change cards through the agent.

### No card secrets.

The agent never sees a full card number, a CVV, or a cardholder's phone or address.

### Read-only on your ads.

It cannot create, pause or edit a campaign, bid or creative.

### Your organization only.

It sees the cards and ad accounts of the organization you signed in to.

## What stays in the Flyweel app
   Canceling a card A freeze is reversible. A cancel is permanent, so it stays in the Flyweel app.   Merchant categories Cards stay locked to ads and marketing. The agent cannot change what a card is allowed to buy.   Issuing from ChatGPT  In the Flyweel app for ChatGPT, issuing a card is not available yet. Reading cards, freezing, unfreezing and card budgets are live there.
## Who can use it
   Cards  The card tools need Flyweel Cards on your account, in either [Capital Mode](/performance-capital) or [Debit Mode](/debit-cards).    Availability  Cards are US only today, and Capital Mode is subject to approval. [Compare the two card modes](/ad-spend-cards).    The MCP server Free. Its ad and CRM tools work worldwide, with or without cards.
## Ad MCP vs Headless Finance

Same MCP server, different job.

### Ad MCP connects your data.

It brings your Google, Meta and TikTok ads and your CRM deals into your AI tools, read-only on ad platforms. [See Ad MCP](/mcp).

### Headless Finance controls your cards.

The same connection reads what each card was charged, then freezes, budgets or issues a card once you approve.

New to the idea? Read [what headless finance for ads means](/blog/headless-finance-ads-spend-control-mcp), or the [Headless Finance launch post](/announcements/flyweel-headless-finance-launch).
       Start Free
### Run your cards from your agent. Keep the final say.

Connect the Flyweel MCP, ask what your ads really cost, and approve every card change yourself.
  [Start Free](https://signup.flyweel.co/?variant=control) [Try the Demo (opens in a new tab)](https://app.flyweel.co/demo)  No credit card required