Upwork Chargebacks for clients and freelancers. How does it work?

First post of Feb -> here you go 🙂

What would happen if you had a protection?

Actually, in reality, nothing, but Upwork will behave a bit more seriously with asking you for evidence for the bank. The final decision will be on a bank.

What will happen if you didn't have a payment protection but 180 days (permission for asking for a refund) passed? Do you feel secure?

Upwork will tell you:

Upwork’s internal refund policies and the bank’s chargeback investigation are separate processes. The bank dispute timeline can extend beyond Upwork’s 180-day internal refund window. If the bank decides to honor the client's request the amount will be debited from Upwork.

Every transaction can be charged back by a client if he/she presents enough evidence to the issuing bank that the chargeback is rightful.

According to the bank and card scheme rules we are obliged to return the funds to the client. Afterwards we can take steps to submit a rebuttal to claim the funds back.

So what to do and what is my experience with that?

I had 5 cases. Now I am helping one guy with the 6th.
2 of them failed, 2 won, and 1 refund was not done by a tricky way.

1. Collect evidence of your work all the time + make screenshots with the name of the client and him accepting the work.
2. When/if the time comes, send a HUGE amount of evidence so it will impress both the bank and Upwork. Last victory was 800 docs. Yep, 800+
3. Send additional evidence every week for the next 12 weeks (to impress more)
4. Win the case.

I won't tell the tricky way here:) I need my bread :)

🙋‍♂️ Recently, I had a really successful partnership with someone who had a full-time job and didn’t have much time to work on Upwork.

Want to chat with me?
Contact me at: [e-mail]