Pay by Credit Card

For the security of our automated billing process and Upwork Hourly Protection, any credit card added on Upwork must undergo verification. Upwork accepts Visa, MasterCard, and American Express. Upwork cannot accept virtual, prepaid, and Discover cards. Any client who prefers not to verify their credit card through Upwork will need to add a verified PayPal account.

To add a credit card as a billing method:

  1. Go to the Accounts menu, choose Settings, and click Billing Methods.
  2. Click the Add Billing Method button.
  3. Click the Set Up button for Credit Card and fill in the form.
  4. When you enter your phone number, remember that It is important to enter a number where we can reach the credit cardholder because Upwork may need to call to complete verification.
  5. After you finish filling out the form, click Add Card. This action authorizes Upwork to verify the credit card.

Upwork may use one of two verification processes:

  • Automated: Requires no additional action by you. Only available to select card types, banks, and countries.
  • Two Small Charges: Upwork will immediately submit two charges that add up to exactly $10.00. At this point, your job postings will be marked as Payment Method Verification in Progress.
    1. Confirm the amount of the two charges with your credit card company.
    2. Return to your Billing Methods to enter the amounts in the verification form. This will activate the credit card.
      • If you’re a client with an international credit card, enter the amounts in your own currency as they appear on your card statement. We also include the exact amounts in U.S. dollars in the transaction memo. If the form will not accept the amounts you enter in your own currency, try the U.S. dollar numbers from the transaction memo.

When you complete verification, all your job postings will be marked as Payment Method Verified, and you are now ready to pay freelancers for their work.

You can add as many credit cards as you like. Set the one you prefer we use as your primary. An additional card would be used only if the primary one fails.

Verification Charges

When you add a credit card, the Upwork verification process may include the following charges, which would be automatically refunded to you:

  • $1.00 authorization hold – Upwork puts a $1.00 hold on your card to ensure the card number is valid. That $1.00 is a temporary authorization and Upwork does not actually take that money from your credit card. In most cases, this hold disappears from the account before you check the charges.
  • $10 credit – Upwork submits two charges that equal a total of $10. These charges will bill to your card and appear in your Reports tab in your Transaction History. Here's what happens to that credit:
    • If you have a balance due and you verify within ten days, it will be applied against your balance.
    • If you don’t have a balance or don’t verify within ten days, it will be refunded to you.
    • Important—If you don’t verify a billing method within seven days, any contracts you have will be suspended until you complete verification.

Depending on the card-issuer, it can take up to five days for the two charges to show up on your credit card account. Calling the number on the back of the card allows most users to verify in less than a day (and sometimes even less than an hour).

Upwork will charge your credit card in U.S. dollars only. Contact your card issuer for details on potential currency conversion fees.

Troubleshooting Verification Issues

Entering the wrong amount three times will place your card on hold until you complete verification with the support team. If you have difficulty verifying your credit card:

  1. Contact Support by clicking here.
  2. Provide Customer Support with the charges exactly as they appear on your statement, including the amounts and transaction memos.

If your card was declined:

  • You may have entered a card Upwork does not accept, such as a Discover, prepaid, or virtual card (this includes the Payoneer Prepaid Debit Mastercard). Double-check to make sure you used a card Upwork accepts.
  • If the above is not the case, contact the card issuer to determine the reason they sent a failure code to Upwork. Some banks flag the two small verification charges as potentially fraudulent and block them. Once you or your bank resolves the issue, you can return to Upwork and complete verification.

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