I have both a client account and freelancer account on upwork. I am hiring for a larger project that is about $8500 and I went to add new payment methods under my "client" account and the only option to me was credit cards or paypal. In support docs I read there should be ach, wires and a few other options available. Any insight as to why this is not available please let me know.
The docs you read are related to a user's payment method, which is used for withdrawing their earnings from Upwork. Billing methods are set up separately and you can find more information in the following Help articles: here, here and here.
Let me know if you need further assistance.