Upwork vs Mercury Wire & ACH Fee Calculator
Compare Upwork (10.0% + $0.0) vs Mercury Wire & ACH (0.0% + $0.0) processing fees side by side.
Verified 2026 standard rate
10.0% + $0.00
Freelance Marketplace
Upwork Fee Schedule Table ($10 to $10,000)
| Invoice Amount | Upwork Fee | You Receive (Net) | Ask For (Zero Fee Loss) |
|---|---|---|---|
| $10 | -$1.00 | $9.00 | $11.11 |
| $25 | -$2.50 | $22.50 | $27.78 |
| $50 | -$5.00 | $45.00 | $55.56 |
| $100 | -$10.00 | $90.00 | $111.11 |
| $250 | -$25.00 | $225.00 | $277.78 |
| $500 | -$50.00 | $450.00 | $555.56 |
| $1000 | -$100.00 | $900.00 | $1111.11 |
| $2500 | -$250.00 | $2250.00 | $2777.78 |
| $5000 | -$500.00 | $4500.00 | $5555.56 |
| $10000 | -$1000.00 | $9000.00 | $11111.11 |
How Upwork Fees Work in 2026
Upwork operates in the Freelance Marketplace sector with a standard transaction rate of 10.0% plus a fixed fee of $0.00 per transaction. For example, on a $100.00 payment, Upwork deducts $10.00, leaving you with a net payout of $90.00. On a $1,000.00 transaction, your net payout is $900.00 after the $100.00 processing fee. If you accept international payments or currency conversions, an additional 0.0% cross-border fee may apply. Meanwhile, Mercury Wire & ACH operates in the Business Banking sector with a standard transaction rate of 0.0% plus a fixed fee of $0.00 per transaction. For example, on a $100.00 payment, Mercury Wire & ACH deducts $0.00, leaving you with a net payout of $100.00. On a $1,000.00 transaction, your net payout is $1000.00 after the $0.00 processing fee. If you accept international payments or currency conversions, an additional 1.0% cross-border fee may apply.
The formula (Verified 2026)
- Fee
- amount × 10.0% + $0.00
- International add-on
- +0.0% of the amount
- Invoice to receive an exact net
- (amount + $0.00) ÷ (1 − 10.0%)
- Official Rate Reference
- Upwork Official Fee Schedule 2026 ↗