Before engaging a freelancer or agency, you’ll need to add a Billing Method to your account. There are three billing methods available to clients.

Credit Card

Upwork accepts Visa, Discover, Mastercard, American Express, Diners Club, and Diners Club International. We do not accept virtual, prepaid, or gift cards. To learn more about adding a credit card to your account, click here.


Clients with a verified PayPal account have the ability to use PayPal as their billing method. To learn more about verifying and linking your PayPal account, click here.

Bank Account (ACH)

Qualifying clients in the U.S. may use their bank account as billing method. To learn more about qualifying for this billing method, click here.

To add a billing method

  1. Go to Settings  Billing Methods
  2. Click the Add Billing Method button

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

Log in to get personalized help.