After you add up your time, printer paper, printer ink, printer wear-n-tear, postage, and the hassle, is it worth handling this by yourself?
$15.99 Price charged to your customer for 8x10 print
$ 2.99 Smugmug charge for 8x10 print
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$13.00 Mark-up
$ 1.95 Smugmug share of mark-up (15%)
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$11.05 Your profit
$4.94 Smugmug share
So the question is "What will it cost you to make an 8x10 and ship it to the customer?"
$2.92 Your time (five minutes @ $35 per hour)
$0.25 Ink and paper (I have no idea, probably more)
$0.50 Envelope/tube (guess)
$0.50 Postage (guess)
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$4.17
$4.94 Smugmug does it
$4.17 You do it
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$0.77
So if you do it all yourself you make an extra 77 cents. Is it worth it?
Smugmug also handles all complaints and re-prints if a customer is not happy for any reason with their order.