Save cards automatically after payment. Charge them anytime — renewals, upsells, manual billing. No checkout page. No re-entering card details. Built into GHL API, not bolted on.
Stripe in GHL doesn't save cards natively. PayPal only stores PayPal accounts. Zapier can't manage saved cards at all. If you want to charge a customer without sending them through checkout again, you've had no good options — until GHL API.
| Approach | Card-on-file support | Effort required |
|---|---|---|
| Stripe in GHL | Not native — requires custom Stripe API integration | High — developer needed |
| PayPal in GHL | PayPal vault only, not general cards | Limited to PayPal accounts |
| Zapier + processor | Not possible — Zapier can't manage saved cards | N/A |
| GHL API | Built in — auto-save after payment, charge anytime | Zero — it's native |
Customer subscribes once. Card saves automatically. Renewals charge the saved card without a new checkout. Failed charges retry. Status syncs to GHL in real time.
Customer bought your core offer. Now you want to charge them for an add-on. With card-on-file, charge the saved card directly — no new checkout page, no asking for card details again.
Client owes for extra work? Custom invoice? One-off charge? Select the contact, pick the saved card, enter the amount. Done. No checkout flow. No payment link.
Need to capture a card without charging it? GHL API supports $0 setup flows — save a card for future use without any upfront charge. Useful for trials, free-to-paid conversions, and credit-on-file agreements.
When a subscription charge fails, GHL API retries the saved card automatically. No manual follow-up. No lost revenue from expired cards that could have been retried.
For agencies: card-on-file works across all your GHL subaccounts. Each location manages its own customers and saved cards independently. One integration, location-level control.
Customer completes checkout through GHL API — any payment method. Card details are captured and tokenized securely during the transaction.
After a successful payment, the card is saved to the customer's profile. No extra step. No opt-in checkbox. Cards are tokenized — you never see or store raw card numbers.
For renewals, upsells, or manual charges — select the customer, pick the saved card, enter the amount. Charge processes immediately. Status updates in GHL.
GHL API gives you a full payment platform inside GHL, not just saved cards.
80+ payment methods
Cards, wallets, bank, BNPL, crypto, local
55+ currencies
Customers pay in their currency
Full subscriptions
Create, upgrade, downgrade, cancel, trials
Mixed billing
One-time + recurring in one checkout
White-label branding
Your logo, colors, domain per location
Lower fees
2.7% + $0.30 domestic via Whop (vs 2.9% Stripe)
Real-time GHL sync
Webhooks, not polling — instant updates
Multi-tenancy
One integration, per-location config
Pricing and fee information shown on this page is provided for comparison purposes only. Transaction fees, rates, and pricing are set by their respective payment processors (Whop, Stripe, PayPal, Square, etc.) — not by GHL API. GHL API is an integration service and is not a party to any transaction between you and a payment processor. Rates shown are subject to change without notice and may vary by region, payment method, and account type. Verify current rates directly with each provider before making purchasing decisions. See Whop's pricing and Stripe's pricing for current rates.
Connect GHL API. Cards start saving automatically. Charge them whenever you need to. No custom development. No Zapier.
Get Started$20/month per subaccount. 80+ payment methods. Card-on-file. Full subscriptions. Taxes may apply. Get started or talk to our team.