I am not a MERCHANT.. why charged merchant fee for 3.9% on Skrill?? Why upwork didnot notified me that i will be charged this huge amount when i made transaction? I just lost $80.. highly disappointed
Upwork has no knowledge of how Skrill will categorize your account, you should have asked Skrill what fees would apply before withdrawing, and Skrill are well known for very quickly categorizing their users as merchant users.
Upwork recommends that you use bank transaction to withdraw your money because it is the most reasonable option.
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