Upwork makes secured payments through PayPal and direct bank transfers. Once you receive the payment from your client, Upwork takes around 5 days to process and reflect that on your account. It deducts a 20% commission for first $500 earned from a particular client, then it reduces to 10%, and after $10,000 earning it reduces to 5% fee for each project and the remaining amount is shared with you via your preferred channel.