Reply
cancel
Showing results for 
Search instead for 
Did you mean: 
Reply

Re: Client a supposed financial genius but can't work out how to pay

Highlighted
Ace Contributor
Rachael O Member Since: May 25, 2016
1 of 15

I have a client who is studying at the highest possible level in accountancy at a top London university for economics. I was not aware her payment method wasn't verified because it was an invite job. It's been over a month now and despite Upwork reaching out to her and me screen shotting the exact steps she needs to take to verify her account, she is yet to do so.

She claims she has paid because money has gone out of her account, but I've explained to her it won't be given to me unless she verifies it.

I've found this situation stressful because I'd never ever unwittingly enter into a contract with a client whose payment has been unverified. Upwork told me they are looking to stop clients who are not verified from being able to hire on the platform.

What should be my next steps if she continues to ignore myself and Upwork?

Highlighted
Community Guru
Petra R Member Since: Aug 3, 2011
2 of 15

Rachael O wrote:


What should be my next steps if she continues to ignore myself and Upwork?


There are no next steps. After 90 days or sooner, the Escrow funds go back to the payment method they were originally taken from. Also, the client's account gets suspended.

 


Rachael O wrote:

 I was not aware her payment method wasn't verified because it was an invite job.


But it says so on the contract and Upwork would have sent you an email that the contract started but the client's payment method is unverified?


You can also see see it even when the job is invite only?

Highlighted
Ace Contributor
Rachael O Member Since: May 25, 2016
3 of 15

I did not see any message about the payment being unverified. As mentioned I never would have accepted otherwise.

Can I just ask why the blame is always cast on the freelancer and never the person who hires someone, doesn't verify their payment and then won't co-operate?

I did everything that was asked of me, all I'm wanting it to be compensated for what I was told I was going to be paid.

Highlighted
Community Guru
Petra R Member Since: Aug 3, 2011
4 of 15

Rachael O wrote:

Can I just ask why the blame is always cast on the freelancer and never the person who hires someone, doesn't verify their payment and then won't co-operate?


It has nothing to do with blame. But funds from unverified payment methods can not be paid out, and other than reaching out to your client there is nothing more Upwork or you can do.

Even on invite only jobs you can see whether the client has a verified payment method or not.

 

In future, make sure the payment method is verified.

 

OF COURSE you want to be compensated for your work, but the time to get the client to verify their payment method was while the client still had an incentive for sorting it out, which takes all of 5 minutes and does not require a fincial genius.

 

Highlighted
Community Guru
Amanda L Member Since: Jan 23, 2018
5 of 15

Petra R wrote:

Rachael O wrote:

Can I just ask why the blame is always cast on the freelancer and never the person who hires someone, doesn't verify their payment and then won't co-operate?


It has nothing to do with blame. But funds from unverified payment methods can not be paid out, and other than reaching out to your client there is nothing more Upwork or you can do.

Even on invite only jobs you can see whether the client has a verified payment method or not.

 

In future, make sure the payment method is verified.

 

OF COURSE you want to be compensated for your work, but the time to get the client to verify their payment method was while the client still had an incentive for sorting it out, which takes all of 5 minutes and does not require a fincial genius.

 


Petra, how do funds even get put into escrow if the payment method isn't verified? To charge whatever card or bank account, they have to actually withdraw the money or charge the card. So if funds were in escrow don't they, by their very nature, have to have a   payment method verified? 

Highlighted
Community Guru
Petra R Member Since: Aug 3, 2011
6 of 15

Amanda L wrote:


Petra, how do funds even get put into escrow if the payment method isn't verified? To charge whatever card or bank account, they have to actually withdraw the money or charge the card. So if funds were in escrow don't they, by their very nature, have to have a   payment method verified? 


No. The fact that the money can be charged does not verify that the payment method is the client's. Only that they have the number(s.)

It does not prove the client has access to the account. The card could be stolen or cloned.

Verification means the client has the statement or can log into the online banking of the card used or authenticate themselves on the phone to the bank.

 

That's the whole point of the verification process

Community Guru
Amanda L Member Since: Jan 23, 2018
7 of 15

Petra R wrote:

Amanda L wrote:


Petra, how do funds even get put into escrow if the payment method isn't verified? To charge whatever card or bank account, they have to actually withdraw the money or charge the card. So if funds were in escrow don't they, by their very nature, have to have a   payment method verified? 


No. The fact that the money can be charged does not verify that the payment method is the client's. Only that they have the number(s.)

It does not prove the client has access to the account. The card could be stolen or cloned.

Verification means the client has the statement or can log into the online banking of the card used or authenticate themselves on the phone to the bank.

 

That's the whole point of the verification process


Thank you, I learned something. All my clients have always had payment verified but I didn't realize it was the process you mentioned. Good to know! 

Highlighted
Moderator
Avery O Moderator Member Since: Nov 23, 2015
8 of 15

Hi Amanda, 

I would like to confirm that sending an offer on a fixed-price job requires the client to deposit funds for either the whole contract or a lesser amount to cover the first milestone. This deposit will be held in escrow, and for the milestone payment to be processed, the client will need to verify their billing method.


-Avery
Untitled
Highlighted
Community Guru
Amanda L Member Since: Jan 23, 2018
9 of 15

Avery O wrote:

Hi Amanda, 

I would like to confirm that sending an offer on a fixed-price job requires the client to deposit funds for either the whole contract or a lesser amount to cover the first milestone. This deposit will be held in escrow, and for the milestone payment to be processed, the client will need to verify their billing method.


Thanks, Avery. I've never had a client without a verified payment method, so it wasn't even something I was looking out for. I appreciate the clarification.  I have not, to-date, had any issues with the platform and with verification of payment method from clients, so it's good to know in case one does arise. 

Highlighted
Community Guru
Will L Member Since: Jul 9, 2015
BEST ANSWER
10 of 15

"Upwork told me they are looking to stop clients who are not verified from being able to hire on the platform."

 

With so many new freelancers not getting paid for their work due to unscrupulous "clients," I hope Upwork is much closer to the end than the beginning of figuring out how to stop "clients" with unverified payment mechanisms from fooling freelancers into thinking they'll be paid for their work.

 

But, at the end of the day, freelancers' own full understanding of how Upwork works is going to be the best defense against this and other "client" frauds..

 

I don't mind applying to jobs where the client's payment method is unverified, but I always include this text at the end of my proposal - "I can start work on your project as soon as Upwork verifies your payment method." 

View solution in original post

TOP KUDOED MEMBERS