How To Accept Credit Card Payments as a Freelancer

As a freelancer, you may be wondering how to streamline the payment process for your clients and get paid faster. One of the most common and convenient ways for clients and companies to pay freelancers is through credit card transactions. In this guide, we will show you how to accept credit card payments as a freelancer and ensure a smooth and efficient payment experience.

Embracing Different Payment Methods

To enhance your chances of being paid quickly, it’s important to accept a variety of payment methods. Among these methods, credit cards stand out as a popular choice among customers. Accepting credit card payments might seem daunting at first, but it doesn’t have to be. In fact, freelancers have revolutionized the workforce, with over 70 million in the US alone. This number continues to rise, especially in the wake of the pandemic.

To accommodate this growing trend, software and financial companies have developed apps and software that make it easy for individuals and small businesses, like freelancers, to receive payments. With the right tools at your disposal, accepting credit card payments can be seamless.

Accepting Credit Card Payments Made Easy

Credit cards are a preferred payment method for both freelancers and customers due to their speed, security, and ease of record-keeping. For instance, if you’re working on lengthy and expensive projects, such as copywriting assignments, clients may prefer to pay via credit card. This is especially true if they don’t have a large sum of cash readily available.

To accept credit card payments, you’ll need to utilize a payment service provider (PSP). Several options, such as PayPal, Venmo, and virtual wallets, can serve as reliable PSPs. The beauty of these services is that they eliminate the need for bulky credit card reader equipment or cash registers, as everything is processed digitally.

If you decide to accept credit card payments, you may need appropriate hardware, such as a credit card reader and payment system. Luckily, advancements in technology have made these tools affordable and accessible. In many cases, you can use a reader attached to your smartphone to physically process a client’s card.

However, it’s important to note that credit card processors, like Stripe and Wise, charge fees for their services. While these fees may be small, they can add up over time. To mitigate this, you should ensure that you’re getting the best charge rate possible and incorporate a credit card processing fee into your project proposals. This way, you won’t have to incur these fees out of your own pocket.

Exploring Payment Options

Now that you understand the importance of accepting credit card payments and how to equip yourself with the necessary tools, let’s dive into some of the most popular payment platforms.


PayPal is a widely preferred payment method among freelancers due to its versatility. It can handle various types of payments, including credit card transactions. Opening either a business or personal account allows you to start sending invoices for payments. While it’s possible to use a personal account, having a PayPal business account simplifies the process of requesting money.

When processing money transfers using credit cards, PayPal charges a fee of 2.9% plus a flat cost of 30 cents. This additional fee may come as a surprise, so it’s important to inform clients that they should be prepared to pay an extra amount on top of the agreed payment.


Despite being commonly associated with college students transferring money, Venmo offers more than meets the eye. It has become an excellent option for receiving payments from many customers. However, both you and your customer need to have the Venmo app installed to send and receive money. Unlike PayPal, where customers can pay an invoice without having the app, Venmo requires app usage for payment.

Venmo charges a three percent fee for customers using a credit card to transfer money. So if you have a customer willing to pay via Venmo, it can be a great option for a seamless transaction.

Cash App

The Cash App may seem less professional at first, but it offers valuable features for users. It enables users to purchase stocks, cryptocurrencies, and transfer money via credit cards, making it a versatile money app. Similar to Venmo, both parties need to download the application before initiating money transfers.

Freelancers can register an account and provide their $Cashtag to clients, who can then process payments using their credit cards. Customers using Cash App are subject to a three percent transaction charge based on the total amount.


Stripe is an innovative online payment platform that simplifies online purchases. It serves as a credit card and online payment system for eCommerce and other businesses. As a freelancer, you can sign up for a free account and generate invoices for your clients within the platform. This allows for quick and secure credit card payments.

With Stripe, there is no lengthy underwriting process involved. You can start using the platform immediately without any hassle or delay. Stripe charges a fee of 2.9% + $0.30 for each successful online transaction, applicable to both regular credit cards and digital wallet transactions.


Wise offers a quick and straightforward approach to transferring funds directly to your bank account. It boasts the lowest fees out of all the payment processors mentioned. As a freelancer, this method is highly recommended for receiving credit card payments.

To receive payments, simply provide the sender with your bank’s information. The payment will be transferred directly into your bank account in the currency of your choice. Unlike traditional bank transfers, where expenses are deducted from the total amount, Wise ensures that no fees are deducted, allowing you to receive the full anticipated amount.

Streamline Payments With Invoicing Software

As a freelancer, you may be wondering if there is an app that allows you to receive credit card payments while also sending invoices, contracts, and proposals to clients. The good news is that such apps do exist and can simplify your workflow significantly. These freelancing software solutions often include tools for accounting, project management, customer relationship management, and productivity.

Since these systems are cloud-based, they also provide powerful mobile applications that enable you to submit invoices on the go. Here are a few popular options:

  • Wave: Wave offers a free invoicing solution for freelancers seeking to simplify and automate their invoicing processes.
  • Hello Bonsai: Hello Bonsai is an all-in-one platform specifically designed for freelancers, offering integrated project management features along with invoicing capabilities.
  • FreshBooks: FreshBooks is a well-known accounting software provider trusted by businesses of all sizes, including self-employed individuals.
  • Square Invoices: Square Invoices provides a simple and straightforward invoicing software option for those looking for ease of use and reliability.
  • HoneyBook: HoneyBook is an all-in-one client and project management software designed for small businesses and freelancers.

In Summary – Simplifying Credit Card Payments as a Freelancer

That concludes our comprehensive guide on how to accept credit card payments as a freelancer. By adapting to your clients’ preferred payment methods, you increase your chances of getting paid quickly. While it’s important to inform customers about the additional fees associated with credit card payments, offering this option shows your commitment to convenience.

Remember to choose the payment processor that aligns best with your needs and preferences. Whether you opt for popular choices like PayPal, Venmo, Cash App, Stripe, or Wise, each platform offers its unique benefits. Additionally, using invoicing software designed for freelancers can further optimize your payment process and enhance your overall productivity.

So, embrace the world of credit card payments, and watch as your freelancing career blossoms! Visit ATICE.INFO to explore more helpful resources and insights.

*Note: This article has been written in accordance with ATICE.INFO’s guidelines.