upgrade_subscription

THE RISK

Critical Risk

Why upgrade_subscription needs a policy

This tool directly triggers a financial transaction or commitment by upgrading a user to a paid plan, which constitutes a financial obligation. This is the most severe category and warrants critical severity given an AI agent could inadvertently charge a user or commit them to a recurring payment without explicit consent.

From the tool's definition 'Upgrade user subscription to paid plan' — commits a financial obligation by initiating a paid subscription upgrade

Documented attack patterns abuse exactly the kind of access upgrade_subscription gives an agent:

POLICY

How to control upgrade_subscription

PolicyLayer is an MCP gateway — it sits between your AI agents and Todo MCP Server, and nothing reaches the server without passing your rules. This is the rule we recommend for upgrade_subscription:

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "upgrade_subscription": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}

Any call to upgrade_subscription is blocked until a human approves it. The rest of the server keeps working.

Create a free account and register Todo MCP Server — nothing to install.
Add this policy — paste it, or build it visually.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

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EXPLORE

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All 11 Todo MCP Server tools →

Financial tools on other servers

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Go deeper

Critical-risk tools in Todo MCP Server → Every critical-risk tool this server exposes, in one view.
All critical-risk MCP tools → Every critical-risk tool across the catalogue, and the policy pattern that contains them.
The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Human-in-the-loop → When a tool call should wait for a person — and when policy can decide alone.
Tool call approval → Approval gates on individual tool calls: auto-allow, prompt, or deny.
How to Add Spending Controls to Any MCP Agent →
Rate Limiting MCP Tool Calls: A Practical Guide →

FAQ

Questions about upgrade_subscription

What does the upgrade_subscription tool do? +

Upgrade user subscription to paid plan. It is categorised as a Financial tool in the Todo MCP Server MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on upgrade_subscription? +

Register the Todo MCP Server MCP server in PolicyLayer and add a rule for upgrade_subscription: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Todo MCP Server. Nothing to install.

What risk level is upgrade_subscription? +

upgrade_subscription is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.

Can I rate-limit upgrade_subscription? +

Yes. Add a rate_limit block to the upgrade_subscription rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block upgrade_subscription completely? +

Set action: deny in the PolicyLayer policy for upgrade_subscription. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides upgrade_subscription? +

upgrade_subscription is provided by the Todo MCP Server MCP server (sholajegede/todo_mcp_server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Todo MCP Server tool call.

Start from Todo MCP Server, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

CHECK YOUR STACK →