M-Pesa allows you to transfer your earnings to your bank account, withdraw cash, and pay for some goods and services with your mobile device. Upwork currently only offers M-Pesa as a payment method for freelancers in Kenya.

To add M-Pesa:

1. Go to the Accounts menu > Settings > Get Paid
2. Click Add Method
3. Click the Set Up button for your chosen method
4. Enter the details for your M-Pesa account including name, country, and phone number
5. Choose a payment schedule and click Next

For security reasons, your new payment method will become active in three days. Please ensure you have registered and activated your M-Pesa account before you add your M-Pesa information on Upwork.

M-Pesa is a third-party payment vendor. Their features and fees vary depending on how you choose to withdraw your funds from your M-Pesa account as well as the amount you choose to transfer.