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Why not Upwork accepts prepaid card for the payments?

Active Member
Illya K Member Since: May 26, 2017
31 of 37

Hi Vladimir,


Maybe banks in your country issue credit cards, but I am from Ukraine, and it looks as I described it in the previous post. All our debit cards have credit limit, that means banks instead of issuing real credit Visa / Mastercards set a credit limit, that means I can go "into the minus" with my ukrainian debit card, this is up to $2000 credit in my case, but Upwork only makes a decision based on card number.

Active Member
Lukkas S Member Since: Aug 3, 2017
32 of 37


 Gift cards cut you off once you reach the amount on the card. Credit cards will auto-extend your credit line unless you're a pleb.


I'm glad they don't take gift cards. I mean jeesus what are we in the hood or something? Get a real charge card if you want to buy things online like services. Nobody takes gift cards unless they are working out of the trunk of their car.

 You misunderstand. I don't want to use gift cards. I completely agree gift cards are dumb in this case.


I also have zero interest in credit cards for personal reasons regarding debt.


Now debit cards- on the other hand- are a permanent form of exchange that is directly associated with the owner's identity.

Community Guru
Eve L Member Since: Feb 17, 2017
33 of 37

I don't think it would be legal to use prepaid cards, unless Upwork collects KYC documents from the clients. The transaction between people in different countries has to be traceable. To make sure money isn't being anonymously transferred to terror organisations, or just fraud like money laundering. (Paying Upworks fees for laundering your money would be super cheap, as money laundering through other places often costs much more...)


With a card connected to a bank account (credit or debit), the money will be traceable, as no one can open a bank account without verifying it. That way you can be sure that client X paid freeancer Y this and that amount.


When it comes to different prepaid options you don't always have to verify your account before receiving a card connected to it, and then you can make anonomous payments, up to 2300EUR per 6 months period. (At least this is what the AML directive says for the EU. Guess the US and other parts of the world could have different rules.) That way client X can claim to be client Z, and then transfer funds to freelancer Y. (I could open an account with Skrill or Neteller claiming to be Donald Duck, and they would send me a prepaid MasterCard.) 


Gift cards is all just fraud, more or less. A couple of years ago a terror attack was funded using Paysafe cards laundered through an online casino... Another problem with this method would be that a refund would not be possible to process, so then there will be even more KYC documents required.


The only way to get around this would as I said be if Upwork performs KYC checks, which I guess they do not want to do, as they would have to hire 200 people to be able to check all the document that would come flooding in. Or keep track of which prepaid sites/accounts require verification before opening an account or receiving a prepaid card. Also, these sites wouldn't be allowed to just tell Upwork if the account is verified or not, so paperwork from the client would be required.


As a freelancer I would love for clients to be able to pay me using a prepaid card though, as that would make sure my payment would never get chargedback. But I guess that will never happen. The reason a freelancer can get paid to a prepaid option is that the responsibility is then no longer with Upwork, but with the prepaid service provider.


Different countries can also have their own rules and laws in addition to all of this.


Sorry for the long post.



Freelancing is a gamble - To win you need skill, luck and a strategy
Active Member
Zukaa A Member Since: Nov 9, 2017
34 of 37

i have same proplem here not accepet my visa my creadit card not even my mastercard 

**edited for Community Guidelines**  i also buy things in the internet from different country 

seriously i do not know what to say to the bank to make new one for me to be accepted here

Community Guru
Jennifer D Member Since: Feb 15, 2016
35 of 37

Do you not think that Upwork would take your money if they could? Obviously it's in their best interest to make it as easy as possible for clients to pay freelancers. But at the same time they have both legal restrictions on some solutions as well as business reasons to not accept some solutions. If the risk outweighs the benefit, it makes sense to not use that solution. Upwork are a business that wants to make money, it's pretty simple really.

Avery O Moderator Member Since: Nov 23, 2015
36 of 37

Hi Zukaa, 

Are you trying to add a prepaid VISA or Mastercard? Please know that prepaid cards are not allowed as payment methods on the platform.

Active Member
Vlad M Member Since: May 16, 2017
37 of 37

It sounds very irrational that Upwork allows freelancers to put money to Payoneer account but don't accept Payoneer cards to pay for jobs))
Don't you?