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Using a relative's card as a payment method

Is using a relative's card permitted by Upwork's terms of service? (Of course with the other person's authorization.)

I'm asking because my bank has a 2% fee for foreign currecny transactions and I was thinking of using a close relative's card, which I think has no extra fees. I want to verify this with the bank first to be sure though. Meanwhile, I would like to know if it is OK according to Upwork.

ACCEPTED SOLUTION

Hi Costas,

 

If any additional verifications are required to ensure you are authorized to use a payment method, Upwork team will let you know via email and provide detailed instructions.

~ Valeria
Upwork

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12 REPLIES 12

If you are a provider, you must use your own card and payment method - there needs to be a match between the name of the Upwork account holder and the bank details. This is normal, because you are required to pay taxes in your own country for any payment you receive on Upwork.

 

If you are a client on Upwork, I would assume there is a similar need.

I registered as an individual client.
Probably there are no taxes for the expenses, but if there is still a need for a match between the bank details and the Upwork account then it is obviously not possible...

As a client you can use whatever acceptable payment method you like, even one in someone else's name, but there may be additional verification stages.

I'm going to use a family member's card (if I eventually verify that there are no extra fees for foreign currency payments with that bank as threre are with my card).

But are there any instructions about the verification procedure?

You can read about the verification procedures here https://support.upwork.com/hc/en-us/articles/211068038-Pay-by-Credit-Card

Thanks Claudia Z!

I know the procedure. I already verified my card. I am asking if there are any extra steps for adding a card which belongs to another family member.

I want to use my family member's card because of potential lower fees, but I also don't want to risk a suspension of my account, especially while a job is running!


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.

 The steps are similar but when you add the new card enter the details requested using the card holder information (not yours).

In that case there shouldn't be any problems. Thanks, for the reply! I hope you are right!

Hi Costas,

 

If any additional verifications are required to ensure you are authorized to use a payment method, Upwork team will let you know via email and provide detailed instructions.

~ Valeria
Upwork

Thanks Valeria! That's what I was looking for!

Hi , I'm worker on upwork , I will withdraw money , but can i use another person payment method for my agency account , Is it possible , Please let me know ?

aocumen
Community Manager
Community Manager

Hi Abdul, 


Your payment method will need to match the information in your Upwork account. You may read more information about managing how you withdraw your earnings in this help article. 


~ Avery
Upwork
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