If a client pays Upwork using PayPal, and if you withdraw funds from Upwork using Payoneer, that is totally fine.
You do not need to have a PayPal account to withdraw funds received from working for any client.
As a contractor, you do not receive money from a client.
A contractor receives money from Upwork.
How did that money get to Upwork? Who cares. It has nothing to do with you. Perhaps a client brought in a dozen chickens to Upwork's offices and Upwork allowed those chickens to lay eggs and then sold those eggs at market. It doesn't matter.
If a client discusses payment methods with you (Payonner, Paypal, Western Union, Skrill, check, direct deposit, etc.), the client is wrong.
@Roxana A wrote:
Can a client pay through Paypal if I use Payoneer or should I have Paypal too for receive the payment?
The client can pay Upwork with a credit card or with PayPal (in some, not all cases) and you can get paid by Upwork in whichever way you have set up.
You must not ever get paid directly by the client...
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