With the Upwork Plus Plan, which is $49.99 per moenth, you won’t be charged the 3% payment processing and administration fee separately when you pay using your bank account (ACH) or local currency card (billing method options can vary by country), as this is included in your membership price (if you are eligible to use ACH or your Local Currency card). The Plus plan also includes access to an account manager, talent sourcing, one free Featured Job per month and more. You may read more about the Plus Plan here for more information.
ETA: I have edited this post so that the information posted is clearer.
I'm sorry if I may have confused you. If you are eligible to use ACH, or your Local Currency Card, the 3% processing fee is included in the membership price. Upwork defaults to charging Visa, MasterCard, or American Express credit and debit cards in local currency for clients with billing addresses in the Australia, Canada, Great Britain, and countries in Europe. You may read more about paying in your Local Currency here. If you meet the eligibility, you will not be paying the 3% processing fee.