Clients may contact CS if
- they need to confirm the accuracy of the processing fee amounts
- they request a refund of the processing fee (see **Refunds KB)
This criteria is subject to change at any time. Do NOT share this list with users. We should emphasize that eligibility is based on demonstrated history of on-time payments as well as adhering to the ToS.
Important Note: If CL insists on being able to pay with ACH after following the below process, reach out to TL.
TLs, please send to PayRisk for approval before sending the PayOps for ACH addition.
Bank Payment (ACH) Criteria (eligible CLs will automatically see an option to add their bank info in their "Billing Method' section and go through the verification process) -
- Must not be suspended
- Must have an address in the US
- Must have spent over $1K+ in the past 12 months
- Must have made a payment over 90 days ago
- Has not had a finance suspension
- Has never filed a chargeback
- Has had less than 10 declines
To view any CL’s ACH eligibility within OBO -“Own Companies” box > view “ACH Eligible” field…
If “YES” - they’re all set, can set up Bank PaymentsIf “NO” - click “Show ACH Eligibility Details” link to see the “Calculated Reason” field and use below for macro help to find proper CL response. If CL insists on Bank Payments after responding with below, reach out to TL.
1. Are they located outside the US?
- If YES - Move on to the next question
- If NO - Client is not eligible for ACH
2. Have they spent at least $1000 in the past year?
- If YES - Move on to underlined question 3
- If NO - Client is not eligible for ACH
3. Are they new (i.e. registered in the last 90 days)?
- If YES - Client is not eligible for ACH
- If NO - Move on to underlined question 4
4. Have they had finance suspension?
- If YES - Client is not eligible for ACH
- If NO - Move on to underlined question 5
5. Have they had more than 10 declines?
- If YES - Client is not eligible for ACH
- If NO - Move on to underlined question 6
6. Have they had a chargeback?
- If YES - Client is not eligible for ACH
- If NO - Escalate to TL
If I am in the EU, will I be subject to a Value Added Tax (VAT)?
VAT will not be charged on these payment processing fees.
I’m not eligible for bank payments - how do I become eligible?
Eligibility is based on your demonstrated history of paying on time for a 12 month period. You are not eligible either because you don’t have enough payment history on Upwork or you haven’t always paid on time. To become eligible, you have to have spent at least $1000 on Upwork, and consistently paid on time for a 12 month period.
*What if I have a US Bank account, but do not live in the USA?
We will consider enabling ACH Bank payments if qualifications apply.
Internal: Please send to PayRisk for approval before sending to PayOps to enable the ACH Bank payments.