# Cards on file

> See a client's saved cards, add or remove a card, charge a saved card at checkout, and how clients save their card when they book online.

Source: https://heylilo.co/help/clients/cards-on-file

A card on file is a client's card that your business has saved. You can charge it at checkout without the card in hand.

You need payments set up to save or charge cards. The owner or an admin sets up payments in [**Settings** → **Payments**](https://app.heylilo.co/dashboard/settings?tab=payments). See [Connect payments and get paid out](https://heylilo.co/help/payments/connect-payments).

## See a client's saved cards

1. Open the client from [**Clients**](https://app.heylilo.co/dashboard/clients).
2. Select **More**, then choose **Payment Methods**. In a narrow browser window, select the **Payment** tab instead.

Each card shows its brand, last four digits and expiry date. **Default** marks the card Lilo picks first. **Expired** marks a card past its expiry date.

## Add a card

1. In **Payment Methods**, select **Add Card**, or **Add Another Card** if they already have one.
2. Enter the card under **Card Details**.
3. Leave **Set as default payment method** checked to make it the client's default card.
4. Select **Add Card**. You'll see **Card added successfully**.

If payments aren't set up, the box shows an error instead of the card form.

In the Lilo app, open the client, tap **More**, then tap **Payment Methods**. Tap **Add a Card** or **+ Add another card**, enter the card and tap **Save Card**. A card added in the app becomes the default. Until payments are set up, the app shows **Payment Setup Required** instead.

## Remove a card

1. In **Payment Methods**, select the trash can next to the card.
2. Select **Remove**. You'll see **Card removed**.

You can remove cards only on the web.

## Charge a saved card

1. Open checkout for the client's appointment or invoice.
2. Under **Payment method**, select **Saved card**.
3. Choose the card. Lilo selects the default card first.
4. Select **Charge Card**. The button shows the balance due.

In the Lilo app, the **Charge** button names the client's saved card and charges it. To use another card, tap **Use a different payment method**, then choose one under **On file**. [Check out an appointment](https://heylilo.co/help/payments/checkout) covers every way to pay.

## How it works

- Clients who [pay online when they book](https://heylilo.co/help/payments/deposits-and-booking-payments) can check **Save this card for future visits**. Lilo adds the card to their profile.
- In the Lilo app, you can save a card you type in at checkout. Tap **Save this card on file** before you charge it. It becomes the default if the client has no other card.
- Cards typed in at checkout on the web aren't saved.
- Charging a saved card pays the invoice's whole balance.
- Lilo keeps each card's brand, last four digits and expiry date. Your payment processor holds the full card details.
- Removing a card takes it off the client's profile and out of checkout.
- Anyone who can open a client's profile can see, add and remove their saved cards.

**Applies to:** Most business types

New memberships bill the client's default card. If none is marked default, they use the newest card. A client needs a card on file before you can enroll them in a paid [membership](https://heylilo.co/help/marketing/memberships).

## Common questions

### Why isn't Saved card an option at checkout?

Usually one of these:

- The client has no saved cards.
- The invoice isn't linked to a client.
- Payments aren't set up yet.
- Card payments are on hold for your account. A banner under **Payment method** says why.

### Why did Add Card show an error?

Payments aren't set up yet, or your payment account needs attention. The owner or an admin can check **Settings** → **Payments**.

### How do I change a client's default card?

There's no option to change it on a saved card. Add the new card with **Set as default payment method** checked, and it becomes the default.

### Does removing a card stop a membership from charging it?

**Applies to:** Most business types

No. Removing a card doesn't change which card a membership bills. It only takes the card off the client's profile and out of checkout.

### Does Lilo charge a saved card when a client doesn't show up?

No. Lilo never charges a saved card on its own when a client cancels late or doesn't show up.

You keep their deposit instead. See [Cancellations, no-shows, and deposits](https://heylilo.co/help/payments/cancellations-and-deposits).