How to Get Paid as a Freelancer

Finding clients that will pay you and knowing how to charge as a freelancer is one thing, but what online payment services to use to carry the money in your pocket is another and the most important of them all.

That is why we need to emphasize the fact that freelancers work with one goal in mind: to charge for services delivered. To be able to do this successfully and achieve their primary objective of making money out of the services they render, they have to choose the right option among all the available online payment methods. But what is the best way to get paid as a freelancer?

Hence, there are several aspects to consider when deciding how to receive payments from customers or through an online freelance market place like Fiverr, Upwork,, 99designs, etc. And to make the right choice, one needs to ask himself some questions like; do I prefer online or offline payment services?; what payment platform do I think is reliable?; what methods do other independent professionals/freelancers use?; and finally, how many commissions are am I willing to pay?

Answering these questions will not only help you ensure that you know which ones you can use but also which ones will prevent you from losing a fortune when it comes to charging. Therefore, to help you answer these questions, we have compiled a list of some of the most popular ways to withdraw as a freelancer, briefly explaining their advantages and disadvantages.

How to Get Paid as a Freelancer

Step 1: Go to

How to Withdraw Money from Payoneer

Payoneer is a recognized payment solution that is widely used across the world. It is gaining international popularity for being easy to use the payment method. The platform allows you to withdraw funds and make deposits to your local bank account and is available in more than 200 countries and this number continues to increase on a daily basis.

Step 2: Register

After a very quick and simple registration, you can receive your payments and settle yours worldwide efficiently and more securely. Payoneer is extremely easy to use and is supported by several global companies as a payment method.

Step 3: Link your Freelance Profiles

That is to say, it is a serious service that works with giants of online commerce such as Amazon, Wish, Fiverr, Upwork, etc. It is a tailor-made offer for both professionals and individuals, offering a multitude of additional services. Despite an offer that can seem complex because of the many advantages offered, the excellent customer service from Payoneer allows you to get answers clearly and quickly. So you can easily find the solution that suits you best for withdrawal as a freelancer.

Step 4: Request Funds

This is no doubt, one of the favorites in the freelance world, mainly because they build a digital account in the US bank and the card they send you because it is linked to that account. And by having a debit card available and being able to use both for online consumption and in physical stores of ANY country, a lot of things are facilitated.

For example, if you are one of those who travel a lot, you can pay anything during trips without any fear of being blocked by irregular movements. With your card, you can withdraw at MasterCard ATMs in the local currency wherever you are. I mean, in the United States, Payoneer MasterCard pays you dollars, in India it pays you Rupee, in Nigeria it pays you Naira, and in your country, it pays you the corresponding currency, and so on.

This is something that neither PayPal nor TranferWise allows you directly. Therefore, if you are looking for a physical as well as a digital solution to your withdrawal or payments, know that the Payoneer Prepaid MasterCard will make you happy.

Step 5: Get Paid

How to Withdraw Money from Payoneer

When you are registered in your Payoneer account you have the option of adding a bank account to withdraw your money.

Once you choose the destination country, Payoneer will let you know what currency you can withdraw. according to its rate table, Payoneer takes 1.00% of the transfers you receive, charges you USD10 for the plastic (once you activate it), and every time you take money out of an ATM you will be charged $ US3.15. But Payoneer does not charge when you make a payment or transfer to another Payoneer account.


  • The diversity of the functions it offers.
  • The highly international nature of the services offers.
  • Supported by several global companies as a payment method.
  • Incredibly easy to use.
  • A possibility of simplifying transactions by centralizing through the Payoneer wallet.
  • A PayoneerMastercard for your physical and online transactions.
  • Loans adapted to your needs, with a large ceiling and flexibility in repayment terms.


  • The offer varies according to a certain number of criteria; it is up to you to identify your needs as best as possible with the help of customer service.
  • The method comes with a high card renewal fee.
  • The highly scalable nature may require some preparation beforehand.
  • Some costs linked to ATM cash withdrawals are sometimes difficult to assess.

More Payment Websites

1. Paypal

How to Withdraw Money from PayPal

One of the most popular payment options among freelancers is PayPal. It is a fast, easy and extremely reliable method of receiving payments, especially as a freelancer. You will have to pay a percentage for the transaction, which will depend on the type of account you have.

Undoubtedly, Paypal has been seen by many as one of the pioneers and most popular payment platforms that exist in everything that refers to business and online payments. Unlike others, it does not provide you with a bank account but with an electronic wallet that you can use both to consume and to transfer money to other accounts. The truth is they are very “picky” or rigorous with their systems.

How to Withdraw Money from PayPal?

To withdraw on PayPal, regardless of the country in which you are, the first thing you should try is to look for an option to “Withdraw funds at a local bank”. That will allow you to see if PayPal has a formal agreement with any bank in your country. If this does not work, a simple Google search of “PayPal” + “bank” + “your country” can help.

When we talk about commissions, PayPal is a headache. Depending on where the transfer comes from, the rate can range from 2.9% to 5.4% in addition to about 0.30 cents charged for any transaction. If you still work on platforms, they may suit you since they generally have an agreement and they only charge you $ US1-2 per withdrawal. But if you bill customers directly, it’s a problem.

These are the commissions of some of the last transfers that I see on my board:

  • Transfer of $ US400. $ 21.90 commission
  • Transfer of $ US330. $ 18.12 commission
  • Transfer of $ US950. Commission of $ US 51.60

What is the best PayPal account for freelancers?

You can start with a personal account that can then be updated to the business category. Transaction fees vary depending on where you are and may also be higher for cross-border transactions (currency conversion fee).


  • The biggest advantage of PayPal is its popularity.
  • Receive payment from clients simply by using your email address.
  • Widely available and recognized across the globe.
  • Clients tend to trust transactions that are handled through PayPal.
  • Payments transfer within minutes.


  • It can be risky for merchants (which includes freelancers) as they tend to provide far more protections for purchasers than they do for sellers.
  • Overall, PayPal charges higher fees than many other options and in some cases not good customer service.
  • Your account can be frozen without notice.
2. Skrill

How to Withdraw Money from Skrill

Skrill is a digital payment operator that has existed since 2001. First launched under the name of “Moneybookers”, the platform was renamed in 2010. A few years later, it bought Paysafecard and Ukash. Skrill currently allows you to send money in 40 different currencies to 200 countries around the world.

In addition to offering money transfers from account to account on their site, Skrill provides its users with a physical bank card to pay for all their daily purchases, and a prepaid card to pay online. The Skrill 1-tap option supported by certain bookmakers like Bwin will allow you to fund your account in a few seconds.

Skrill focuses on international transfers in different currencies. This is why it is a worthwhile option for those who tend to work with international clients regularly. In terms of charges, it is quite similar to PayPal. is an easy-to-use payment gateway that is quite secure and gives quick access to its users. But on the other hand, Skrill is not yet widely accepted as a payment option in many countries.

The balance you accumulate can be used to pay on sites that support Skrill, or it can be withdrawn from your bank account. They also offer two bank cards: A SkrillMastercard and a virtual prepaid card. The first will allow you to withdraw from a distributor and pay online or in-store. The second only allows you to pay online. Skrill also has a VIP program that gives the right to a reduction in fees on withdrawals, reloads and the exchange rate depending on the volume of transactions you perform quarterly.

How to Withdraw Money from Skrill?

Skrill allows you to subscribe to a physical and virtual Skrill MasterCard. The virtual card can only be used to pay for purchases online, on sites where the MasterCard is supported.

The physical Mastercard is a card with a membership fee of € 10 / year. It allows you to withdraw from the distributor, but also to pay without additional costs online or in any store. On the other hand, withdrawals from ATMs (ATMs) will be billed to you 1.75%. However, depending on your VIP rank, some fees may not apply.

You can request Skrill MasterCard cards directly from your account on Skrill. If you choose the physical card, count about ten days to receive it.

  • Please note: The Skrill bank card, whether physical or virtual, cannot be used to make bets on the internet.


  • It offers an easy-to-use payment gateway that is quite secure and gives quick access to its users.
  • It is a platform that offers great flexibility.
  • The use of Skrill is ideal in terms of safety.


  • Skrill is not yet widely accepted as a payment option in many countries.
  • Flexibility and security come at a price.
  • Withdrawing it into your bank account attracts a charge (€ 5.50 on withdrawals and 1% to top up your account).
3. Neteller 

How to Withdraw Money from Neteller

Another former online payment method in the market since 1999 in Canada, where it is more popular than Paypal is Neteller. This is a digital payment operator which has existed for long. Level serious and security, we can trust the Canadian giant, which allows you to pay on the internet by revealing only one email address. Just like on Skrill, we can link our account to a prepaid card, which will allow you to pay both online and in physical stores.

This is a Mastercard, with high ceilings, which can allow you to completely replace your traditional bank account, even if it is not necessarily advised. The use of the card is completely free, and you only pay withdrawals up to € 4 each time you use an ATM.

Neteller is also very useful for those who have cash or money on another online payment service. In fact, there are many ways to make deposits. The fees applied are sometimes high, but from time to time it can help out. Especially since bank secrecy is almost total since Neteller operates under the authority of English law. Neteller is, therefore, a very good solution for any type of transaction, but we regret that some online commerce is no longer service partners.


  • High security and reliability are assured when you choose this payment method for your transactions.
  • Neteller is a real convenient withdrawal method as it is quick and easy to use.
  • Transactions are instantaneous.


  • A major disadvantage of Neteller is the fees that are charged on transactions.
4. TransferWise

How to Withdraw Money from TransferWise

TransferWise is an ideal option for freelancers who work with clients abroad. You can transfer an amount without transfer costs and with a real exchange rate. Regardless of where you live, with Transferwise you can create a seemingly local bank account in countries such as the United States (USD), United Kingdom (GBP), Germany (EUR) and 28 different currencies.

The seemingly local comes from the fact that people can send you bank transfers as if you were a native there and had a real account. You just have to give the client your account number and that is it. We all understand each other in USD and many clients work with USD even if they are in Asia. Even if they are handled in other currencies, they use USD for international issues. There are some exceptions in Europe, but it is resolved with the TranferWise Euro account.

For that reason, Transferwise works excellent for virtually every freelancer, no matter where you are or where the payment is coming from. In case you need to do conversions, and unlike many entities that inflate conversions, TransferWise uses the conversion rate you find on Google. That is to say, they use the real market conversion rate. And this really is just one of the advantages you have with a TranferWise account.

There are several ways to use TransferWise, but if you are a freelancer you probably want to know how to receive your money. Here you need to create and activate a TransferWise account, open a local USD account in your country, and then give these bank details to your clients.

This company no doubt uses a fairly simple trick when making transfers at such competitive prices, and it is that it does not really move the money of each country. If I want to convert € 1,000 to British Pounds (about £ 860), the service simply waits for any British person to want to convert £ 860 to € 1,000 to spend on their retirement.

It is that simple, of course, the system is much more technically complex, but in essence, it is a simple idea that simply works. That is why when making the change according to which currency pair, the transfer may take more or less.


  • The borderless account allows freelancers to receive money in 40 currencies.
  • Real exchange rates in different currencies.
  • Receive money without commissions.
  • Free account opening.
  • Get an associated debit card (Mastercard).
  • Customer service in several languages.


  • There are certain accounts where you cannot send money with TransferWise.
5. Direct Bank Transfer

Bank transfers are undoubtedly safe, fast and accepted worldwide. It usually takes 2 to 5 business days to complete and the recipient can use that money. The disadvantage is that many banks charge high fees (and percent currency exchange) for these types of transfers. Look at the available banks that allow you to receive and make transfers with the minimum cost and then consider this option.

This had the advantage of eliminating those charges that other digital platforms would charge, although it might not allow you to accumulate several payments which are another advantage of the method.

Here the relationship is direct from bank to a bank instead of using TransferWise, PayPal or Payoneer as an intermediary. The commissions in this particular case would be dictated by only two layers, the bank that sends and the bank that receives and sometimes an intermediary bank that does the conversion.

But as always when we involve local banks, things start to vary a lot. I can only give you my perspective and experience, but everything depends on the individual country.


  • It is safe.
  • The method is accepted worldwide.
  • You can easily have physical contact with the service provider(customer service).


  • The transaction is not as fast as others.
  • There are lots of charges attached.

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