How to manage APIs (and their costs) as an Agency ?

I'm currently setting up an Agency, and using some APIs for my personal use. Few of those are based on Credits, and few of them are just based on number of calls.

When I make automations for a client, which of the 2 options should I go for ?

1) I buy the API credits/plans myself on my own account and keep funding them while using the API key in Client's N8N. (Requires a fixed MRR from Client, but what happens when credits are expended completely?)

2) or leave it in the hands of the Client, ask him to attach his billing details to each of the API Service and ask for his API Keys to integrate ?

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