If you price off the wholesale fee alone, you are underwater on clients you think are profitable. True cost per client includes more than the vendor invoice.

Start with wholesale cost

The wholesale price per service is the floor. It moves — usually up — so it has to be synced, not remembered.

Add the hidden costs

Account management time, reporting, support tickets, payment processing fees, and onboarding all consume margin. A “40% margin” client can be break-even once you count the hours.

Track it per service, not per client

One client can be profitable on two services and underwater on a third. Per-service margin is the only view that catches it.

Make it automatic

Real-time margin against synced wholesale costs means you adjust on the next invoice, not next year. That is core to HubWho.