How do Freelancers Get Paid? Simple Methods

Josef Mohamed
Josef Mohamed
April 30, 2023

I want to talk about the exciting topic of how freelancers get paid. Keep reading if you’re considering dipping your toes into the freelancing pool or simply curious about how it all works.

As a freelancer, I know firsthand how important it is to understand the different payment methods and processes available to us. And that’s exactly what I want to explore with you today.

Whether you’re a writer, designer, developer, or freelancer, getting paid promptly and securely is crucial for your business’s success. So, let’s dive in and uncover the ins and outs of how freelancers get paid.

Types of Payment Methods

It’s essential to have a variety of payment methods available to your clients to make it easier for them to pay you. So let’s explore some of the different types of payment methods that you can offer.

the Types of Payment Methods

Physical checks

They are a traditional form of payment that some clients may prefer. With physical checks, you must provide a mailing address for the client to send the check. Depending on the client and the bank, processing the review may take several days to a week.

Free and fee-based online payment methods

These methods, such as PayPal, Payoneer, Skrill, and Google Pay, are great options for clients who prefer to pay online. These payment methods provide a convenient and secure way to transfer money. In addition, most of these providers offer free account creation and only charge a fee per transaction.

Bank transfers and wire transfers

These are other options for clients who prefer to transfer money online. These payment methods may take a few days to process, but they do not come with fees for the freelancer.

Credit cards

Accepting credit cards is a popular payment method for clients. Payment processing companies like Square and Stripe can obtain credit card payments. However, these payment processing companies charge a fee per transaction, so it’s essential to factor that into your pricing when accepting credit card payments.


Tradeouts are a unique payment method where you trade your services for goods or services from a client. This is an excellent option if you need an exchange for your services, and the client can offer something of value in exchange.

Apploye Time Tracker

Apploye Time Tracker is an excellent software for freelancers that need to track their time and bill their clients accordingly. It is a free app that you can use to track your time and generate payment invoices.


Escrow is a payment method that protects both the client and the freelancer. For example, a client puts money into an escrow account, and the freelancer only receives payment once the project is completed and approved. This method ensures that both parties are satisfied with the finished project before payment is released.

Which Payment Method Is Right For You?

As a freelancer, choosing the most suitable payment method for you requires careful consideration. I know this from experience, and I’m here to help you make the right decision.

First and foremost, think about the payment methods your clients prefer. For example, some choose bank transfers, while others opt for payment apps or platforms like PayPal or Venmo.

how to choose the right payment method

It’s also important to consider transaction fees and processing times. For example, you wouldn’t want to choose a payment method that charges high fees or takes several days to process your payment.

Lastly, ensure your payment method is secure and protects your financial information. Your hard work deserves adequately compensated, and choosing the correct payment method can make all the difference.

Why Do Payment Methods Matter for Freelancers?

As a freelance worker, payment methods matter for a multitude of reasons. Firstly, payment methods affect the ease and speed of receiving payment. If you are working with a payment method that needs to be updated or updated, you may find yourself waiting weeks, if not months, for your hard-earned money to finally make its way to you. This can be incredibly frustrating and significantly strain your financial stability.

In addition, payment methods can also impact the overall financial security of your work. For example, suppose you are relying solely on a payment method that doesn’t offer adequate fraud protection. In that case, you could be putting yourself at risk of a potential financial loss or even identity theft. It’s, therefore, essential to consider payment methods that offer robust security protocols, which can help protect your finances and personal information.

Finally, payment methods can also impact the overall reputation of your freelance work. For example, if you are working with a payment method likely to create delays or issues, your clients may view you as unprofessional and unreliable. This can ultimately impact your ability to secure future work or maintain a positive relationship with existing clients.

How do you accept payment?

Well, when it comes to accepting payments, I like to give my customers multiple options. The more choices people have, the easier it is for them to pay and the less likely they are to abandon their purchase. So, I offer credit/debit cards, PayPal, and bank transfers as payment options.

When customers decide to pay with a credit/debit card, I use a secure payment gateway to process their transactions. This way, the customer’s card information is never stored on my website, keeping their information safe and secure. For PayPal, I link my account with theirs so they can quickly transfer funds. And for bank transfers, I provide my customers with my banking information so they can move to my account.

I think it’s essential to have clear instructions for each payment method so that customers know exactly what to do. I include these instructions on my website and in the confirmation email I send after purchase. I’ve noticed increased sales and customer satisfaction by making payments easy and convenient for my customers.

Should You Accept Payments in Crypto?

One of the most necessary things to consider is how you accept client payments. With the rise of the cryptocurrency market and its ever-increasing popularity, it’s only logical to consider whether or not you should be accepting payments in these digital currencies. For example, should you accept payments in crypto as a freelancer? In my opinion, it’s worth considering, but with some important caveats.

First and foremost, you need to comprehend the risks associated with accepting cryptocurrency as a form of payment. Crypto is highly volatile, meaning that its value can fluctuate wildly in a little amount of time.

This means that if you accept a certain amount of crypto as payment, it’s entirely possible that its value could plummet before you have the chance to convert it into fiat currency. This is especially true when dealing with a smaller, less stable cryptocurrency. So, before you even consider accepting crypto payments, it’s essential to understand the genuine risks involved.

That said, there are some benefits to accepting cryptocurrency as a freelancer. For starters, it can be a speedy and convenient way to receive client payments, primarily if they’re not based in the same country as you.

Cryptocurrency transactions can be done almost instantly, and no middlemen or transaction fees are typically involved. Additionally, accepting crypto payments can demonstrate to clients that you’re progressive, forward-thinking, and tech-savvy. This may give you a competitive edge in specific markets, primarily if you work in the tech industry or other cutting-edge fields.

Tips to Ensure Easy Payment as a Freelancer

Here are some tips to ensure easy payment as a freelancer:

  • Set clear payment terms and expectations upfront in your contract or agreement
  • Use professional invoicing software to make sure your invoices are easy to understand and look professional
  • Invoice promptly and consistently and follow up on late payments
  • Provide multiple payment options to clients, including credit cards, bank transfers, or PayPal
  • Please keep a record of all your invoices and expenses, and organize them systematically
  • Consider offering a discount for early payment or a penalty for late payment
  • Communicate openly and professionally with your clients about payment issues or concerns
  • Utilize a project management tool that includes time-tracking features to track your hours easily and the progress of your projects.
  • Research your client to ensure they have a history of paying freelancers on time.
  • Remain professional throughout the payment process and always be polite yet persistent when following up on late or missing payments.
  • By implementing these tips, you can minimize the risk of delayed or missing payments and ensure that the payment process runs smoothly for you and your client.

By implementing these tips, you can minimize the risk of delayed or missing payments and ensure that the payment process runs smoothly for you and your clients.

Final Thoughts

So, that’s it! Now that we have covered how freelancers get paid, I hope you found this article helpful. As you can see, the payment options for freelancers are endless, and there is a payment option that suits everyone – no matter where you live.

As a freelancer, you must understand the different payment methods and choose the best option. Sure negotiate your rates upfront and get an explicit agreement with your client on how and when you will receive your payment.

When it comes to getting paid, communication is critical. Ensure you maintain a good relationship with your clients and provide them with high-quality work on time. By doing this, you will not only get paid on time but also be able to build a long-term business relationship with your clients.


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About The Author

Meet Josef, a seasoned Content Marketer, SEO Strategist, and Web Designer who has over a decade of experience helping entrepreneurs build and grow their online businesses. He is a trusted authority in the field of Marketing and Technology and is renowned for his in-depth knowledge and expertise in testing and recommending the best products to help businesses succeed.

Disclosure: Some of the links in this article may be affiliate links, which can provide compensation to me at no cost to you if you decide to purchase a paid plan. These are products I’ve personally used and stand behind. This site is not intended to provide financial advice and is for entertainment only. 

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