To help you get work with clients through Upwork, you may want to purchase Connects or upgrade to a membership plan. To do that, you must add a billing method for your account. To help make this easy for you, we offer three billing methods:

  1. Credit or Debit Card
  2. Upwork accepts Visa, Discover, Diners Club, Diners Club International, Mastercard, and American Express. We also accept prepaid cards. To learn more about adding a credit card to your account, go here.
  3. PayPal
  4. Freelancers with a verified PayPal account can use PayPal as their billing method. To learn more about verifying and linking your PayPal account, go here. Note: A credit card needs to be added as a backup billing method if you plan to use PayPal to purchase Connects or pay for a membership plan.
  5. Upwork Balance
  6. If you have sufficient balance available from Upwork earnings, you can use this balance to pay for your membership or purchase additional Connects. If your balance is not enough to cover the cost, we’ll charge your primary billing method.


Since membership fees recur monthly, you need a billing method on file to upgrade to a Freelancer Plus account, even if you have an earnings balance available. For Connects purchases you can use your earnings balance without adding a billing method if you wish.

How do I add a billing method?

To add a new billing method to your account:

  1. Go to SettingsBilling Methods
  2. Choose the Add Method button
  3. Enter your billing information


You can only have one primary billing method in use at a time, but you can add multiple billing methods to your account and switch between them as needed.

Can I change my primary billing method?

A primary billing method is your default billing method. To change your primary billing method:

  1. Go to SettingsBilling Methods
  2. Choose the Make Primary link


You must add and set up an alternative payment method before changing or deleting your primary billing method.

How do I remove my billing method?

To remove a billing method:

  1. Go to SettingsBilling Methods
  2. Choose Remove from the (...) options menu

You can remove billing methods at any time. Before changing or deleting your primary billing method, you must add and set up an alternative payment method. This helps avoid interruptions to your account. 

There are problems with my billing method

Should a membership renewal charge from Upwork to your billing method fail for any reason, you'll be immediately downgraded to a Freelancer Basic plan. To re-enroll in a Freelancer Plus plan, please resolve the issue with your billing method and upgrade again.
If you are sure the account details for your billing method are correct and there are sufficient funds in your account, contact your bank.

Log in to get personalized help.