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How To Accept Upwork Payments In Nigeria

How To Accept Upwork Payments In Nigeria

How To Get a 100% Success Rate On Upwork


Upwork is a popular platform that connects freelancers and clients from all over the world. Freelancers can offer their services and get paid for them, while clients can find talented professionals to complete their projects.

One of the benefits of using Upwork is the ability to accept payments for work done, and this can be especially important for freelancers based in countries like Nigeria. In this article, we will discuss how to accept Upwork payments in Nigeria.

What is Upwork?

Upwork is a global online platform that connects businesses and organizations with freelancers and independent professionals from around the world.

The platform offers a range of services, including web and mobile development, graphic design, content creation, marketing, and administrative support.

Upwork provides a flexible and accessible way for clients to find the talent they need, while also providing freelancers with the opportunity to showcase their skills and expertise to a wide range of potential clients.

The platform offers various features such as job postings, proposals, messaging, and secure payment systems to facilitate smooth and efficient collaborations between clients and freelancers.

Upwork has become one of the leading online job marketplaces, with millions of freelancers and clients from over 180 countries using the platform to find work and hire talent.

Why Should I Join Upwork?

As a freelancer or a client, finding the right platform to connect with potential clients or freelancers is crucial. One such platform is Upwork.

With over 20 million registered freelancers and over 5 million registered clients, Upwork is the world’s largest freelancing website. In this article, we’ll explore some compelling reasons why you should consider joining Upwork.

1. Access to a Global Pool of Talent.

Upwork offers access to a global pool of talented freelancers, which can be particularly beneficial for clients looking for a specific skill set or expertise.

Freelancers on Upwork come from all corners of the world, offering clients a wide range of services and competitive rates.

As a freelancer, you also have the opportunity to work with clients from all over the world, expanding your client base and increasing your earning potential.

2. Flexibility and Control.

Upwork provides both freelancers and clients with the flexibility and control they need to manage their work and projects. Freelancers can set their hours, choose their clients and projects, and determine their rates.

Clients can choose from a wide range of freelancers, set their budgets, and communicate directly with the freelancer to ensure that their project is completed to their satisfaction.

3. Secure Payment System.

One of the biggest concerns for freelancers and clients alike is payment security. Upwork provides a secure payment system that protects both freelancers and clients.

Clients can set up milestones for projects and release payments only when each milestone is completed to their satisfaction.

Freelancers can be confident that they will receive payment for their work, and clients can be assured that they are paying only for completed work that meets their standards.

4. Robust Tools and Resources.

Upwork offers freelancers and clients a range of tools and resources to help them manage their work and projects.

Freelancers can use Upwork’s time tracking tool to ensure accurate billing and record keeping, while clients can use Upwork’s project management tools to keep track of project progress and communicate with the freelancer.

Additionally, Upwork provides freelancers with access to a range of educational resources, including webinars and courses, to help them improve their skills and grow their businesses.

5. Reputation and Trust.

Upwork has a reputation for being a trusted platform for freelancers and clients alike. Freelancers can build their reputations by delivering high-quality work and earning positive feedback and reviews from clients.

Clients can trust that they are working with reputable freelancers who have been vetted by Upwork and who have a proven track record of success.

6. Diverse Range of Services.

Upwork offers a diverse range of services, from web development and graphic design to marketing and virtual assistance.

Whether you’re a freelancer looking to offer a specific skill set or a client in need of a wide range of services, Upwork has you covered.

With millions of freelancers on the platform, clients can find the expertise they need for any project, big or small.

7. Lower Costs.

For clients, Upwork can be a cost-effective way to find freelancers for their projects. With a competitive marketplace, clients can find freelancers who offer high-quality work at a lower cost than traditional agencies or hire full-time employees.

Freelancers on Upwork can also benefit from lower costs, as they don’t have to worry about the overhead expenses associated with running a traditional business.

8. Time-Saving.

Upwork can be a time-saving platform for both freelancers and clients. Freelancers can spend less time on marketing and more time on their work, as they have access to a wide range of clients who are actively looking for their services.

Clients can save time by finding the right freelancer for their project quickly and easily, without having to sift through countless resumes and applications.

9. Upwork Escrow Protection.

Upwork’s escrow protection system ensures that clients only pay for completed work that meets their standards.

The system holds payments in escrow until the client approves the work, giving both parties peace of mind and protection against potential fraud or disputes.

How Does Upwork Pay In Nigeria?

If you’re a freelancer in Nigeria working on Upwork, it’s important to know how to receive payments for your services.

Upwork offers several payment methods, but it can be confusing to figure out which method is best for you. In this article, we’ll explore how to accept Upwork payments in Nigeria.

1. Set up a payment method.

Before you can receive payments from Upwork, you need to set up a payment method. The two most popular payment methods in Nigeria are PayPal and Payoneer.

PayPal is the more well-known option, but Payoneer is also a great alternative, especially for those who don’t have a bank account.

To set up a payment method, go to your Upwork account settings, click on “Get Paid” and follow the instructions to set up your payment method.

2. Verify your payment method.

After setting up your payment method, you need to verify it to ensure that payments can be made to your account. Upwork will typically send a small test deposit to your account.

You need to log in to your payment method account to check the deposit and verify the payment method with Upwork.

3. Complete your tax information.

To comply with Nigerian tax laws, you need to complete your tax information on Upwork.

Go to your Upwork account settings, click on “Tax Information,” and provide the necessary details. If you’re unsure about what to include, consult with a tax professional.

4. Review payment schedules.

Upwork offers several payment schedules, including weekly, bi-weekly, and monthly. Choose a payment schedule that works best for you, keeping in mind that some payment methods may have minimum payment amounts or fees.

5. Invoice your clients.

Once you’ve completed your work and your client approves it, it’s time to invoice your client. Upwork provides a simple invoicing tool that allows you to create and send invoices to your clients.

Make sure to include all the necessary details, such as the work completed, payment amount, and payment method.

6. Receive payment.

Once your client has paid the invoice, you’ll receive payment according to your chosen payment schedule.

Make sure to monitor your payment method account to ensure that payments have been received. Sure, here are some steps to follow on how to accept Upwork payments in Nigeria:

7. Create a Payoneer account.

Payoneer is a payment gateway that works with Upwork to allow freelancers in Nigeria to receive their payments.

To create a Payoneer account, go to the Payoneer website and sign up for an account. Provide your personal and bank account information as requested during the registration process.

8. Connect Payoneer to your Upwork account.

Once you have created a Payoneer account, log in to your Upwork account and go to the “Settings” page.

Select “Get Paid” and then click on “Set Up Payment” to connect your Payoneer account. Follow the prompts to link the two accounts.

9. Complete your tax information.

As a Nigerian freelancer on Upwork, you will be required to provide your tax information to the US Internal Revenue Service (IRS) to receive your payments. Complete your tax information by filling out the necessary forms on your Upwork profile.

10. Choose your payment method.

You can choose from different payment methods available on Payoneer to withdraw your Upwork earnings, including local bank transfer, ATM withdrawal, or a Payoneer debit card.

Select the payment method that works best for you and follow the prompts to complete the setup.

11. Receive your payments.

Once you have completed the setup process, you can start receiving your payments on Payoneer.

Upwork usually releases payments every Wednesday, and it may take up to two business days for the funds to reflect in your Payoneer account.

You can then withdraw the funds to your bank account or use your Payoneer debit card to access your earnings.


Accepting Upwork payments in Nigeria is relatively straightforward. By following these steps, you can set up your payment method, verify it, complete your tax information, choose a payment schedule, invoice your clients, and receive payment.

If you encounter any issues, don’t hesitate to reach out to Upwork’s customer support for assistance.

Finally, following these steps can help you accept Upwork payments in Nigeria. It’s essential to ensure that you provide accurate and up-to-date information to avoid any payment delays or issues.

Remember to keep track of your earnings and tax obligations to ensure compliance with the relevant regulations.

What do you think?

Written by Udemezue John

Hello, I'm Udemezue John, a web developer and digital marketer with a passion for financial literacy.

I have always been drawn to the intersection of technology and business, and I believe that the internet offers endless opportunities for entrepreneurs and individuals alike to improve their financial well-being.

You can connect with me on Twitter


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