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Edit or remove a billing method

Upwork supports multiple billing methods—including credit cards, PayPal, and U.S. bank accounts—for client payments. You can manage these from your account settings, designate a...

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Active credit card - account suspended

If your credit card is nearing expiration, Upwork may temporarily restrict your account to ensure compliance with Hourly Protection requirements. You can lift the restriction by...

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Add a credit or prepaid card

Upwork accepts major credit cards including Visa, Mastercard, American Express, Discover, Diners Club, and prepaid cards. You can add a card under Billing & Payments in your acc...

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Add a PayPal account

Upwork accepts PayPal as a billing method for paying freelancers, provided your PayPal account is active, in good standing, and not a student account. You'll also need to establ...

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Add a Venmo account

If you're in the U.S., you may be able to add Venmo as a billing method to pay freelancers. To qualify, your Venmo account must be active, in good standing, and linked to a fina...

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Billing methods

Upwork supports multiple billing methods, including credit cards, PayPal, Venmo, and U.S. bank accounts (ACH). Users can set a primary method and add backups to avoid disruption...

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Financial transactions are limited

Upwork may temporarily limit financial transactions on your account if a payment fails. To resolve this, update or add a valid billing method and pay any outstanding balance. Ch...

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Pay by bank account

U.S.-based clients with a qualifying Upwork billing history can use a bank account as a billing method if they’ve spent at least $1,000 USD in the past year, have a valid U.S. a...

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Pay in local currency

While Upwork displays prices in U.S. Dollars, it often bills clients in their local currency for convenience. The exchange rates shown are estimates and may differ from the fina...

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Remove billing method

If you only have one billing method on file, you’ll need to add a new one before you can delete it. The same goes if a bank account is set as your primary billing method—you’ll ...

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