How does the team feature work? Can I set a user for payments only with limited access to specific droplet.

I am a freelance developer. I offer 2 pricing options, one higher cost for source code ownership and one lower cost for permissive use with code ownership with me. The reason I do this is the clients here in India expect lower prices, it’s a growing market. The issue is that in lower pay case I create a new hosting account with client username without sharing the credentials with him and make payments directly through my card/paypal via this account. I share the invoices to the client and he pays me back. I cannot give access to the account to the client as then he can access my code. So I want to know if its possible to use my own personal digital ocean account to create droplets, make the client account, add payment only access and give this client account credentials away to the client to pay for invoices. I’m also hoping there’s a mechanism by which I can change the droplet owner in future as there has been a case where a client paid me the extra amount to get source code ownership after several months of developing in permissive use lower fee.