diff --git a/internal/api/v1/helpers.go b/internal/api/v1/helpers.go
index 103d44c..6d8f059 100644
--- a/internal/api/v1/helpers.go
+++ b/internal/api/v1/helpers.go
@@ -3,9 +3,12 @@ package v1
 import (
 	"fmt"
 	"log/slog"
+	"os"
 	"path/filepath"
+	"strings"
 	"time"
 
+	"github.com/wild-cloud/wild-central/internal/certbot"
 	"github.com/wild-cloud/wild-central/internal/config"
 	"github.com/wild-cloud/wild-central/internal/haproxy"
 	"github.com/wild-cloud/wild-central/internal/services"
@@ -97,6 +100,13 @@ func (api *API) reconcileNetworking() {
 		api.broadcastDnsmasqEvent("dnsmasq:config", "DNS config regenerated from registered services")
 	}
 
+	// Ensure TLS certs exist for HTTP services (where Central terminates TLS).
+	// For services under the gateway domain, a wildcard cert covers them all.
+	// For others, provision individual certs.
+	if len(httpRoutes) > 0 {
+		api.ensureTLSCerts(globalCfg, svcs)
+	}
+
 	slog.Info("reconcile: networking updated",
 		"services", len(svcs),
 		"l4Routes", len(instanceRoutes),
@@ -104,6 +114,83 @@ func (api *API) reconcileNetworking() {
 	)
 }
 
+// ensureTLSCerts checks that TLS certificates exist for HTTP services
+// that need Central to terminate TLS. Uses wildcard certs where possible.
+func (api *API) ensureTLSCerts(globalCfg *config.GlobalConfig, svcs []services.Service) {
+	// Determine the gateway domain from central domain (e.g., central.payne.io → payne.io)
+	centralDomain := globalCfg.Cloud.Central.Domain
+	gatewayDomain := ""
+	if parts := strings.SplitN(centralDomain, ".", 2); len(parts) == 2 {
+		gatewayDomain = parts[1] // e.g., "payne.io"
+	}
+
+	// Check if we have a Cloudflare token for cert provisioning
+	cfToken := api.getCloudflareToken()
+	if cfToken == "" {
+		slog.Debug("reconcile/tls: no Cloudflare token, skipping cert provisioning")
+		return
+	}
+
+	email := globalCfg.Operator.Email
+	if email == "" {
+		slog.Debug("reconcile/tls: no operator email, skipping cert provisioning")
+		return
+	}
+
+	// Check if wildcard cert exists for the gateway domain
+	wildcardCertPath := "/etc/haproxy/certs/wildcard.pem"
+	if gatewayDomain != "" {
+		wildcardDomain := "*." + gatewayDomain
+		// Check if cert exists at the standard wildcard path or per-domain path
+		certPath := certbot.HAProxyCertPath(gatewayDomain)
+		if _, err := os.Stat(certPath); err == nil {
+			// Per-domain cert exists, use it as wildcard
+			slog.Debug("reconcile/tls: wildcard cert exists", "domain", gatewayDomain, "path", certPath)
+		} else if _, err := os.Stat(wildcardCertPath); err == nil {
+			slog.Debug("reconcile/tls: wildcard cert exists at default path")
+		} else {
+			// No wildcard cert — provision one
+			slog.Info("reconcile/tls: provisioning wildcard cert", "domain", wildcardDomain)
+			if err := api.certbot.EnsureCredentials(cfToken); err != nil {
+				slog.Error("reconcile/tls: failed to write certbot credentials", "error", err)
+				return
+			}
+			if err := api.certbot.Provision(wildcardDomain, email); err != nil {
+				slog.Warn("reconcile/tls: failed to provision wildcard cert", "domain", wildcardDomain, "error", err)
+				// Fall through — try per-domain certs
+			}
+		}
+	}
+
+	// For services NOT under the gateway domain, provision individual certs
+	for _, svc := range svcs {
+		if svc.TLS != services.TLSTerminate || svc.Domain == "" {
+			continue
+		}
+
+		// Check if this domain is covered by the gateway wildcard
+		if gatewayDomain != "" && strings.HasSuffix(svc.Domain, "."+gatewayDomain) {
+			continue // Covered by wildcard
+		}
+
+		// Check if per-domain cert exists
+		certPath := certbot.HAProxyCertPath(svc.Domain)
+		if _, err := os.Stat(certPath); err == nil {
+			continue // Cert already exists
+		}
+
+		// Provision individual cert
+		slog.Info("reconcile/tls: provisioning cert", "domain", svc.Domain)
+		if err := api.certbot.EnsureCredentials(cfToken); err != nil {
+			slog.Error("reconcile/tls: failed to write certbot credentials", "error", err)
+			continue
+		}
+		if err := api.certbot.Provision(svc.Domain, email); err != nil {
+			slog.Warn("reconcile/tls: failed to provision cert", "domain", svc.Domain, "error", err)
+		}
+	}
+}
+
 // extractHost gets the host part from a host:port string
 func extractHost(addr string) string {
 	for i := len(addr) - 1; i >= 0; i-- {