One of the first steps to working with talent through Upwork is choosing a billing method for your account. To help make this easy for you, we offer three billing methods.

Credit Card

We accept Visa, Discover, Mastercard, American Express, Diners Club, and Diners Club International, as well as prepaid cards. To learn more about adding a credit card to your account, go here.


If you are paying both domestic and international freelancers with a Visa card in the same billing period you will see “split payments” on your invoices (i.e. one transaction for payments to domestic freelancers, and one transaction for payments to international freelancers). This only means that your payment has been split; we are not applying any additional costs.


If you have a verified PayPal account, you can use PayPal as your billing method. To learn more about verifying and linking your PayPal account, go here.

Bank Account (ACH)

If you live in the U.S, you may be able to use your bank account as your billing method. To learn more about qualifying for this option, go here.

To add a billing method

  1. Go to Settings > Billing & Payments
  2. Choose the Add a New Billing Method button

Pro Tip:

Adding more than one billing method may help avoid account disruption in case a transaction fails.

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