Whose credit card should the software subscriptions sit on?

This is the argument I have most often with clients after five years of running a service business, and it never comes up until the build is nearly done.

I can put the CRM, the phone number, the email sending tool and the two integrations on my account and bill the client one number every month. It's cleaner for them. I get better rates on some of it because I run several clients through the same reseller setup. Nobody calls me at 9pm because a card expired and their automations stopped.

Or every account goes in the client's name with their card, and I'm added as a user. Slower to set up, more of my hours spent on the phone with support while the client hunts for a verification code. But if they fire me on a Tuesday, nothing turns off on Wednesday, and they can see exactly what they're paying each vendor.

There's a middle version where the CRM itself is theirs and the small tools are mine, which in practice means a $19 tool I forgot about is holding a workflow together two years later.

I've done all three. I still don't have a rule I'm comfortable with. Vote and tell me if you've been burned.