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andrea-moya
Member

What are the best payment options if you live outside the US?

Hi,

 

I have just started as a freelancer in Upwork and landed a couple of small jobs. I´m based in Buenos Aires, Argentina, and I´m looking for the best way to get paid. I have a PayPal account and have just opened a Payoneer. But still cannot find what are the fees getting paid through those two channels.

A wire transfer to my local Bank Account is also expensive. 

Any thoughts or experience to share?

 

Thanks,

 

Andrea

19 REPLIES 19
kochubei_valeria
Community Manager
Community Manager

Hi Andrea and Diego,

 

Unfortunately, your posts had to be removed because posts in languages other than English are not allowed by the Community Guidelines. Feel free to re-post your comments in English.

 

Thank you.

~ Valeria
Upwork

Sorry.

 

I'll put some related links for others to see. 

 

https://www.paypal.com/cgi-bin/webscr?cmd=_display-withdrawal-fees-outside&dispatch=5885d80a13c0db1f...

 

this is for Mexico.

 

https://www.paypal.com/mx/webapps/mpp/paypal-fees

 

We talked about using payoneer too, but accordingly to Andrea there is an initial and annual fees, but may be a good option in the long run. 

Keep in mind that many people WHO LIVE OUTSIDE THE U.S. maintain a U.S. bank account. They can withdraw their Upwork earnings from their Upwork account to their bank account for FREE. No fees at all.

 

Setting up a U.S. bank account without travelling to the U.S. can be done, but it can be tricky. One of the best ways to do it is to go to a branch of a U.S. bank in your native country, IF something like that is available near where you live.

 

Setting up a U.S. bank account if you travel to the U.S. with proper identification, documentation and cash can be fairly straightforward.


@Preston H wrote:

Keep in mind that many people WHO LIVE OUTSIDE THE U.S. maintain a U.S. bank account. They can withdraw their Upwork earnings from their Upwork account to their bank account for FREE. No fees at all.


 This is all very nice, but what exactly would be the point of that for the vast majority of freelancers in other countries, as they then have exactly the same problem of actually getting HOLD of their money in their own country.  It is certainly MUCH cheaper to use one of the available withdrawal methods than to send money from a difficult to get US bank account to the freelancer's country of residence.

 

The point is not to find a way to get money out of Upwork, it is to get money into the freelancer's hands.

 

Plus, contrary to what you keep saying, opening a regular bank account in the US without being a resident is neither cheap nor as easy as wandering into a branch with some form of foreign issued ID.

 

The majority of US banks will turn it flat down,  and most that do agree want big fat minimum balances (think $ 50 000 in some cases)

 

I do have a virtual US bank account purely because years ago it was the only way for me to receive my book royalties as they could only be paid into a US bank account.

 

 

arqdia
Member

Hi Andrea, I took a look at payoneer website and it's a little hard to find the fees they charge, apparently it's a fixed fee of $3.15 dollars per transaction, but your bank may charge you an extra fee that is not discussed anywhere as every bank and country has different rates. 

 

I will share the information for Mexico once I got that, but I'm having trouble trusting the service as there is a lot of negative comments in their forums and it looks like there is minimum support, also I can't chat to a representative and they respond emails with an auto response, so maybe I'll call later and test my luck.

 

If you learn something new please share it. 

Hi Diego,

 

Yes, it happened the same to me. Is very difficult to find clear information on rates and fees, other than the US $ 3.15 per transaction. I was able to chat online with an agent, though he gave only that info. But even that is more than what I could find about PayPal.

 

Someone else opened another community discussion earlier today about getting paid in Argentina, and a there are several freelancers speaking about Payoneer. They consider it the best option so far, but there is one freelancer who said that a Banelco ATM at a Galicia branch charged him $ 90 (pesos) for withdrawin. Check that discussion. 

 

Another one suggested withdrawing money from Uruguay (going to Colonia). And there is the option of having Payoneer to transfer to a bank account, but do not understand the process and costs of it yet. 

 

re: "I'm having trouble trusting the service as there is a lot of negative comments in their forums and it looks like there is minimum support"

 

Diego:

Upwork is NOT a site that should be used by newcomers who require substantial customer support.

 

If you are a newbie contractor and you need live chat support, phone support or otherwise require significant customer support, you should focus on other platforms.


@Preston H wrote:

re: "I'm having trouble trusting the service as there is a lot of negative comments in their forums and it looks like there is minimum support"

 

Diego:

Upwork is NOT a site that should be used by newcomers who require substantial customer support.

 


 Preston, he is talking about Payoneer, not Upwork. Clearly.

 

Diego, I have had my Payoneer card for years and whilst it may not be the cheapest option on the planet I love it.

 

On the few occasions I had cause to talk to their Support they were EXCELLENT.

 

I would recommend them for convenience and speed and reliability.

 

I use a combination, I send some to PayPal, some to one of two bank accounts, some (probably the bulk) through Payoneer.

 

I have never not had the card accepted in stores, and the one time there was an issue with the card they overnighted a replacement to me in Italy.

 

I have no complaints at all.

 

Thank you Petra, that is good to know. I may make an account with them based on your comment. Do you have a referal link I could use to your benefit?  

 

 

 


@Diego I wrote:

Thank you Petra, that is good to know. I may make an account with them based on your comment.

 


 Well, All I can say is that I never had a problem and it works out great for me. PM-ed you 🙂

Thank you for sharing, Petra. Very valuable experience!


@Preston H wrote:

re: "I'm having trouble trusting the service as there is a lot of negative comments in their forums and it looks like there is minimum support"

 

Diego:

Upwork is NOT a site that should be used by newcomers who require substantial customer support.

 

If you are a newbie contractor and you need live chat support, phone support or otherwise require significant customer support, you should focus on other platforms.



Preston, sorry if you got confused, maybe my English is not that good. 

 

Preston, we´re talking abou Payoner, not Upwork. We´re discussing about the best way to get payments outside the USA

I've tried with a new option called "direct to Bank account", because Upwork emailed me that it's a "new option" for "freelancers in Argentina"... BUT... then I found out that it is acually NOT direct: they work with Transfast, which is an online platform (like Paypal).

My money has still not arrived (4 business days later) and my bank told me THEY ARE NOT ALLOWED TO RECEIVE MONEY FROM ONLINE PLATFORMS. You know, Argentina's government has never been freelance-friendly, we can't transfer money from Paypal.. etc...

So... maybe it's just a matter of time and it will take some days longer... but I am really worried and customer support hasn't done anything yet. They told me I have to wait at least 8 business days before they can procceed to trace a deposit, and that I will have to pay for that tracement process. 😮

So Upwork is promoting a payment methode that may not work in Argentina... I know it works perfectly in other countries, but remember, this is Argentina!

Has anyone here already used that system? can you provide information about how this may end or how I can solve this issue?
If no one helps me I will just have to keep waiting, but I hope someone else knows and can help me a litle more than this useless customer support who doesn't know how living in Argentina is like.

Hi Cecilia,

 

Sorry about the issues with your withdrawal. It appears it was successfully sent and we don't have any known issues working with Transfast. If your money doesn't arrive to your bank account after 8 days, please let CS know so they could initiate a trace and figure out the issue. Thanks!

~ Valeria
Upwork

Valeria, this is NOT solved yet, apparently Upwork marks every issue as solved when they are actually not working with the issue anymore, but no, IT IS NOT SOLVED and I am still waiting.

Cecilia,

 

We'll have an agent assist you with the trace via the ticket.

 

Thanks.

~ Valeria
Upwork

Hi, I live in Canada and I do not have any US bank account. What options do I have to get paid?

Thank you,

 

Sepideh

Hi Sepideh,

 

If you’d like to explore other ways to receive your payments, you can check the payment method options available to you by clicking on “Add Method” in the “Get Paid” section of your Upwork account (under “Settings”).

 

Thank you! 

~ Bojan
Upwork