For services that can potentially cost you high amounts I would suggest setting up the account and creating a secondary administrative account that is registere

For services that can potentially cost you high amounts I would suggest setting up the account and creating a secondary administrative account that is registered with the company you are working with - they can then add their preferred payment method. When it comes to hosting I bill them yearly. That being said, I usually choose a cheap VPS so yearly costs are about 70€. When hosting their site I use containers - that way I can easily migrate from dev to prod. My stack as of now is Strapi + Nextjs + Nginx. I use caching a lot so even a small machine can withstand a good amount of traffic. For maintenance / administration I bill them a bit less then my normal dev rate so that they stay with me.