Landing freelance gigs on Upwork requires more than just a stellar profile. While your skills and experience take centre stage, a well-crafted cover letter can be the secret weapon that sets you apart from the competition.&nbsp;

This guide equips you with expert tips and winning templates for cover letters for Upwork to craft proposals that grab clients' attention and secure those dream projects.

Understanding the Importance of a Cover Letter on Upwork

Defining a Cover Letter in the Freelance Landscape

Cover letters on Upwork serve as introductions, expand your profile, and showcase your suitability for the job, much like in the traditional job market. It's your chance to personalise your proposal, demonstrate your understanding of the project, and showcase what makes you the ideal freelancer for the job.

Why Your Upwork Cover Letter Makes a Difference

Crafting a Winning Cover Letter: Essential Tips

Now that you understand the importance of a cover letter let's delve into the key elements that make it effective:

Add Your Personality (While Remaining Professional)

While professionalism is key, there's no need to be boring. Write in a conversational tone that's respectful but engaging. Avoid starting with dull phrases like "My name is Job Applicant Jean" and instead, let your personality shine through with phrases like “Having helped clients achieve [Specific results] in the past, I believe my skills can be a valuable asset to your [Project Name] project.”&nbsp;

Pay attention to the keywords used in the project description. Subtly integrate these keywords throughout your cover letter for Upwork to improve your proposal's searchability within Upwork's search engine.

Example: Look for keywords in the project description (e.g., "social media marketing"). Subtly weave them into your cover letter to improve searchability within Upwork's search engine. Instead of generic statements like "I have experience in marketing,” go for keyword integration: "I noticed you mentioned a focus on social media marketing and audience engagement. In my previous role, I managed social media campaigns that grew follower bases by 30% through targeted content strategies."

Anticipate potential concerns clients might have and address them directly in your cover letter. This demonstrates your attentiveness and ability to think ahead.

For example, instead of leaving clients wondering with generic statements like "I'm a great writer, trust me,” try addressing concerns like"I understand clear communication is crucial. I provide regular progress updates and keep you informed throughout the project. Feel free to reach out with any questions or concerns."

Instead of a standard sign-off, conclude with a call to action that reinforces your value proposition.

Example: "I'm confident my skills can significantly benefit your project. Let's discuss how I can help you achieve your goals. I'm available for a call at your earliest convenience."

Refine Your Approach: As you gain experience, track what resonates with clients and adapt your cover letters for continued success.

Showcase Your Passion and Understanding of the Client's Industry

Go beyond just listing your skills. Briefly mention what excites you about the client's industry or project type. This demonstrates genuine interest and sets you apart from freelancers focused solely on the job itself.

Example: "I've been following the impressive work your company has done in the sustainability sector, and I'm particularly passionate about [specific aspect of the industry]. My experience in [relevant skill] combined with my enthusiasm for this field allows me to bring a unique perspective to your project."

Highlight Your Skills and Quantify Your Achievements (When Possible)

Don't simply repeat your resume. Briefly showcase your most relevant skills and experiences that directly address the project's requirements. Back up your claims with data. Numbers add credibility and give clients a clearer picture of your impact.

Example: Instead of saying "increased website traffic," quantify it. "I crafted SEO-optimised blog posts that resulted in a 25% increase in organic website traffic for my previous client."

By incorporating these essential tips, you'll craft compelling cover letters that land you the freelance projects you deserve. Remember, a cover letter is an ongoing conversation. Keep personalising and refining your approach to stand out on Upwork!

Sample Cover Letter Templates for Success

These Upwork cover letter samples provide a foundation to build upon, tailored to different freelance specialities.

I am writing to express my interest in your project for [Project Title]. Having reviewed the details, I am confident that my skills and experience in [Your Skills] make me a strong fit for this role.

In my previous work with [Previous Client/Company], | successfully [Describe a Relevant Achievement]. My portfolio showcases a range of projects that demonstrate my ability to [Highlight Relevant Skills]

I am eager to learn more about your vision for this project and discuss how | can contribute to its success. Please find my portfolio attached for your review.

Thank you for your time and consideration.

I came across your project for [Project Title] and was immediately drawn to the opportunity to leverage my expertise in web design. With [Number] years of experience crafting user-friendly and visually appealing websites, I am confident I can deliver exceptional results.

In my previous project for [Previous Client], I designed a website that resulted in a [Quantifiable Achievement] increase in [Metric, e.g., traffic, conversions]. My portfolio showcases my ability to design websites that are not only aesthetically pleasing but also optimised for [Areas of Expertise, e.g. SEO, mobile responsiveness].

I'm eager to discuss your vision for the website and collaborate on a design that exceeds your expectations. Please find my portfolio linked below for your reference: [Portfolio Link]

I came across your project for [Project Title] and was immediately drawn to the opportunity to leverage my content writing skills. With [Number] years of experience crafting engaging and informative content, I am confident I can create pieces that resonate with your target audience and achieve your desired goals.

In my previous role at [Previous Client/Company], I successfully increased website traffic by [Quantifiable Achievement] through the creation of [Type of Content, e.g., blog posts, SEO-optimised articles]. My portfolio showcases my ability to write in various styles and tones, ensuring your content aligns perfectly with your brand voice.

I'm eager to discuss your content strategy and brainstorm ideas that will captivate your audience and drive results. Please find writing samples relevant to your project in my portfolio linked below: [Portfolio Link]

I'm excited to submit my proposal for your [Project Title] project. Having reviewed the details, I am confident my expertise in graphic design can deliver visually stunning and impactful creative assets that align with your vision.

For [Number] years, I've been helping businesses like yours create captivating visuals that elevate their brand identity. In my previous project for [Previous Client], | designed [Type of Design, e.g. logos, social media graphics, website banners] that resulted in a [Quantifiable Achievement] increase in [Metric, e.g. brand awareness, engagement].

My portfolio showcases my design versatility and ability to translate your ideas into effective visuals. I'm particularly skilled in [Areas of Expertise, e.g., brand identity design, illustration, UI/UX design. I'm eager to collaborate with you and bring your design vision to life. Please find a link to my portfolio showcasing relevant design work: [Portfolio Link].

Having reviewed your project for [Project Title], I'm confident my video editing skills and creative vision can transform your raw footage into a compelling and engaging video.

With a passion for storytelling and [Number] years of experience editing videos for [Previous Clients/Companies/Industries], | possess a strong understanding of pacing, transitions, and the power of visuals to capture and hold the audience attention.

In my previous project for [Previous Client], I edited a video that achieved [Quantifiable Achievement] by utilising [Specific Editing Techniques]. My portfolio showcases my ability to edit videos across various styles, from promotional content to explainer videos.

I'm eager to discuss your vision for this project and collaborate on crafting a video that exceeds your expectations. Please find a link to my portfolio showcasing my editing skills: [Portfolio Link].

Note: Adapt the bracketed sections to your specific skill set. Also, while you can use these templates for reference, it's important to make your cover letter very personalised.

By incorporating these tips and templates, you'll be well on your way to crafting compelling cover letters for upwork proposals that land you the freelance projects you deserve. Remember, a cover letter is an ongoing conversation. As you gain experience on Upwork, track what resonates with clients and refine your approach for continued success.

Check out this blog for expert tips and tricks on cover letter templates that will help you craft standout proposals and land freelance gigs on Upwork.

Land Your Dream Freelance Gig: Upwork Cover Letter Guide

Land Your Dream Freelance Gig: Upwork Cover Letter Guide th

Anoosh Kotak

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In today's global economy, enabling seamless international payments is essential for both, businesses and individuals. PayPal is a well-known name in this domain offering both personal and business accounts. With features like e-commerce integration, invoicing, international money transfers and many more, PayPal in India offers a wide range of functionality, making it a solid choice for both commercial and personal use. Here is a step-by-step guide on how to <a href="https://www.skydo.com/blog/open-your-paypal-account-with-skydo" target="_blank">link your PayPal account with Skydo. </a>

In this blog, we will delve into PayPal's effectiveness in facilitating international payments for Indian users. We'll examine its charges, user reviews, and key features, while also considering whether more cost-effective alternatives might be available for managing global transactions. 

PayPal's credibility and global reach make it a popular choice for receiving international payments in India. It allows businesses to accept payments in over 100 currencies through multiple payment methods like debit card/credit card payments and subscription models.&nbsp;

It also provides <a href="https://www.paypal.com/in/webapps/mpp/firc-certificate?no_follow=true">monthly digital FIRAs</a> to Indian businesses and freelancers, which acts as proof of receiving international payment.&nbsp;

Additionally, PayPal offers<a href="https://www.paypal.com/in/webapps/mpp/paypal-buyer-protection?no_follow=true"> buyer protection program</a> which reimburses buyers for purchases that either do not arrive or do not match the seller's description.

Similarly, PayPal provides <a href="https://www.paypal.com/in/brc/article/what-is-seller-protection#:~:text=Here's%20how%20sellers%20can%20get,delivery%20generally%20within%2010%20days.?no_follow=true">seller protection</a> for businesses in cases of unauthorized transactions or undelivered shipments. Sellers must provide proof of shipment to qualify for this protection.

The platform also enforces strict security measures, including 24/7 account monitoring, to ensure the safety of funds.

PayPal works in India. However, it's important to note that not all its services are available in every country including India.

<a href="https://www.paypal.com/in/legalhub/archive-policies-full#:~:text=Effective%3A%201%20April%202021%20We,domestic%20payment%20services%20in%20India?no_follow=true">PayPal does not support domestic transactions</a> or local transfers in India meaning businesses cannot receive local payments in INR via PayPal. Businesses can receive international payments but <a href="https://developer.paypal.com/docs/payouts/standard/reference/country-feature/?no_follow=true">cannot send payouts internationally from India.</a>&nbsp;

Individuals i.e. personal users can use <a href="https://www.paypal.com/in/webapps/mpp/send-payments-online#:~:text=You%20can%20send%20a%20payment,a%20link%20to%20sign%20up?no_follow=true">PayPal to make international payments</a>. You need the seller's email address, and they’ll need a PayPal account to receive the payment. However, note that features like Buy Later and PayPal Credit are not available in India.

PayPal is generally safe to use in India, offering end-to-end encryption, secure vaults, real-time transaction monitoring, and buyer-seller protection.

While PayPal’s security is often considered unparalleled, a recent breach has raised concerns about its safety in India.

Earlier this year, some <a href="https://www.itnews.asia/news/csa-issues-alert-on-scam-involving-compromised-paypal-accounts-605218?no_follow=true">PayPal users in Singapore</a> received automated notifications via email or PayPal inbox messages about activities like profile changes and transaction receipts. Upon checking their accounts, some victims discovered unauthorised deposits or transfers to unfamiliar bank accounts added by cybercriminals.

Although this incident raised eyebrows, it appears to be an isolated case and does not reflect the overall security of PayPal in India.

PayPal Charges for receiving money in India

PayPal’s convenience and range of services come with a relatively hefty price tag. Broadly, PayPal India’s charges for receiving international payments can be categorised under the following heads:

When you receive an international business payment via PayPal in India, the platform charges a<a href="https://www.paypal.com/in/webapps/mpp/merchant-fees?no_follow=true"> 4.40% transaction fee.</a> For example, if you receive USD 1000 from a US client, PayPal will deduct USD 44 as a fee. You can factor this fee into your invoice, pay it yourself, or split it with your client, either way, the high transaction fee makes receiving international payments relatively expensive through PayPal in India.&nbsp;

Along with the transaction charges, PayPal also levies a <a href="https://www.paypal.com/in/webapps/mpp/merchant-fees?no_follow=true">fixed fee</a> depending on the currency of the transaction.&nbsp;

Here are a few examples of the fixed fees for some popular currencies:

You can find the full list of fixed fees across different currencies right <a href="https://www.paypal.com/in/webapps/mpp/merchant-fees?no_follow=true">here</a>.&nbsp;

However, that’s not the whole story. PayPal India also adds a <a href="https://www.paypal.com/in/webapps/mpp/merchant-fees?no_follow=true">4% currency conversion fee</a> to the prevailing exchange rate when converting foreign currency to Indian rupees. This means you receive a lower exchange rate than the market rate.

For example, if the current market rate is INR 84 per USD (as of July 18, 2024), PayPal’s effective exchange rate would be 4% less, which is INR 80.64.

 In summary, receiving international payments through PayPal India involves:

4.4% transaction fee + fixed fee (varies by currency) + 4% currency conversion fee.

How much PayPal charges for converting USD to INR

To better understand PayPal India’s charges, let’s imagine you’re receiving an international payment of USD 5000 from your US-based client. Here’s how much you’ll pay in fees with PayPal India:

Firstly, there’s a 4.4% transaction fee, totalling:

On top of that, a fixed fee of 0.30 USD is applied, making the total fee before currency conversion USD 220.3. &nbsp;Now after deducting USD 220.30 from USD 5000, we are left with USD 4779.70, which will be converted to INR

Considering the current exchange rate of 1 USD to INR 84 (approximately as of July 18, 2024), PayPal India also adds a 4% currency conversion fee, resulting in an effective exchange rate of 80.64. So, USD 4779.70 as per the effective exchange rate would be INR 385,435.01

In total, you’ll receive approximately INR ​​385,435 for your payment of USD 5000 in India. This means PayPal India will charge you close to USD 411 (or INR 34,655) for receiving this payment and depositing it in your Indian bank account.&nbsp;

PayPal Review in India: Security, pricing, support and more

PayPal is undeniably one of the leading names in global payment solutions. So, let's delve into some PayPal reviews to gauge the opinion of users on various aspects of PayPal in India.

PayPal is widely regarded for its <a href="https://www.g2.com/products/paypal-paypal/reviews?utf8=%E2%9C%93&amp;order=g2_default&amp;filters%5Bsentiment_snippet%5D=215811?no_follow=true">ease of use</a>. Its user-friendly interface, seamless integrations, and diverse payment options make it a popular choice for global business transactions. Additionally, PayPal’s robust <a href="https://www.g2.com/products/paypal-paypal/reviews?utf8=%E2%9C%93&amp;order=g2_default&amp;filters%5Bsentiment_snippet%5D=214445?no_follow=true">security measures</a> inspire confidence, contributing to its widespread acceptance around the world.

Despite its extensive offerings, PayPal's services come with a significant price tag. Users of PayPal in India have noted the platform's high transaction fees, combined with currency conversion charges and other associated costs, making it a <a href="https://www.g2.com/products/paypal-paypal/reviews?utf8=%E2%9C%93&amp;filters%5Bsentiment_snippet%5D=214404?no_follow=true">relatively expensive option</a> for receiving international payments in India.&nbsp;

Users have mixed opinions about PayPal’s <a href="https://www.g2.com/products/paypal-paypal/reviews?utf8=%E2%9C%93&amp;order=g2_default&amp;filters%5Bsentiment_snippet%5D=214154?no_follow=true">customer support</a>. While some find it helpful, others find it unsatisfactory. A common complaint is the sudden freezing of PayPal accounts for security reasons without prior notice, coupled with the inability of customer support to resolve this issue. Many also report that the support team lacks the expertise to handle more complex problems effectively.&nbsp;

Alternatives to PayPal in India to take note of

Despite its global acceptance and credibility, PayPal’s high charges and instances of limited customer support have prompted users to seek <a href="https://www.skydo.com/blog/top-paypal-india-alternatives-for-international-payment">alternatives for receiving international payments in India.</a>

Skydo emerges as a strong alternative, offering a fast, secure, and cost-effective solution for businesses. With its flat fee structure, which is often 8x less expensive than PayPal, along with dedicated customer support and seamless onboarding, Skydo has become a go-to choice for companies and freelancers to manage their global payments. Additionally, platforms like Wise Payments Limited. and Payoneer are also viable substitutes to PayPal India for receiving international payments and transferring them to your local bank account.

Choosing the right payment partner for your business is crucial. Issues like the lack of FIRA, forex markups, and currency conversion fees can make international transactions costly and inconvenient.

When selecting your international payment provider, consider the following factors:

Pricing: International transactions can be expensive, and there's no standard pricing model. Look for a provider with competitive rates and transparent fee information so you can keep more of your hard-earned money.

User Experience: Managing global payments should be straightforward. Opt for an easy-to-use platform and reliable customer support to ensure smooth transactions.

Compliance: Cross-border payments are closely monitored to detect any suspicious activity. Select a trusted payment platform that meets regulatory requirements and simplifies compliance for you.

At Skydo, we offer a fast, secure, and less-expensive solution for you to receive international payments. Switch to Skydo today and enjoy the best in global payment solutions for your business.

PayPal in India: Charges, Review and Alternatives

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PayPal India is one of the top choices for businesses and freelancers looking to receive international payments in India. With features like e-commerce integration, invoicing, and international money transfers, it’s a go-to platform for global transactions.

However, this comprehensive solution comes with significant costs. PayPal’s fees include a <a href="https://www.paypal.com/in/webapps/mpp/merchant-fees?no_follow=true">4.4% transaction fee</a>, a USD 0.30 flat fee, and a<a href="https://www.paypal.com/in/webapps/mpp/paypal-fees#no-fee?no_follow=true"> 4% markup on the exchange rate,</a> which can add up while receiving cross-border payments. Given the steep fee, you might want to consider a few PayPal India alternatives.&nbsp;

To ease compliance, PayPal provides a monthly digital FIRA to businesses and freelancers. This FIRA covers all international transactions from the previous month, and it is only available by the <a href="https://www.paypal.com/in/webapps/mpp/firc-certificate?no_follow=true">15th of the subsequent month.</a>

That said, while PayPal is known for its convenience, there are some concerns about the quality of its <a href="https://www.g2.com/products/paypal-paypal/reviews/paypal-review-9475980?no_follow=true">customer support</a> including a lack of training and long wait times.&nbsp;

Here’s a snapshot of PayPal India’s offerings, pricing, and a rundown of its pros and cons

Before finalizing PayPal as your global payment solution, explore these PayPal alternatives that can help you receive international business payments in India with ease.

5 PayPal India Alternatives for Receiving International Payments

Stripe, an Irish-American company, is a renowned payment processing and merchant services platform. Accepting over 135 currencies, it stands as a solid alternative to PayPal for international payments. Stripe offers a comprehensive suite of payment solutions, enabling businesses to manage subscriptions, payments, taxes, and accounting all in one place.

Stripe's fee for international transfers can be expensive as it includes a 4.3%% transaction fee and an additional 2% currency conversion fee. 

Stripe does not provide FIRA to Indian businesses and freelancers, adding to their compliance burdens. Users have also expressed concerns about <a href="https://www.g2.com/products/stripe-stripe-payments/reviews/stripe-payments-review-9510506?no_follow=true">transparency in their communication</a>.

Skydo is a global payment solution simplifying cross-border payments for freelancers and businesses in India. It offers virtual international bank accounts to its users in under 5 minutes and also supports an entire payments ecosystem consisting of payment tracking, invoice generation and more.&nbsp;

Skydo simplifies payment conversions by using live Forex rates without any currency conversion fees or hidden charges. It provides a clear and straightforward fee structure making it a viable alternative to PayPal In India.&nbsp;

Additionally, to ensure adherence to RBI and government regulations, Skydo offers free and instant FIRA, ready to download after every transaction. Each user is assigned a representative to assist with the onboarding process and to address any questions at any time. However, Skydo currently supports only inward remittances into India. This means that Indian businesses cannot send money outward via Skydo.&nbsp;

Founded in 2005, <a href="https://www.skydo.com/blog/payoneer-payment-gateway-features-fees">Payoneer</a> is a leading payment solution for businesses and freelancers worldwide. It facilitates international transfers by providing users with virtual bank accounts in multiple currencies and integrating with leading marketplaces like&nbsp; Amazon and Walmart&nbsp;

In terms of fees, Payoneer offers free account setup, but transaction fees apply: Payoneer-to-Payoneer payments are free, credit card payments incur a <a href="https://www.payoneer.com/en-in/about/pricing/">3.2% + $0.49 fee</a>, ACH Bank Debits (US) cost 1%, and virtual account payments are free for EUR/GBP but up to 1% for USD.&nbsp; Withdrawals to local bank accounts attract up to a 3% fee for different currencies. Extra charges like bank or intermediary fees may apply. <a href="https://www.payoneer.com/en-in/about/pricing/">An annual fee </a>of $29.95 is charged if total payments received are below $2,000 in a year.&nbsp;

To simplify compliance, Payoneer offers free digital FIRAs to Indian businesses and freelancers. However, users have expressed dissatisfaction <a href="https://www.g2.com/products/payoneer/reviews/payoneer-review-5364712?no_follow=true">with Payoneer's customer support</a> which some have found to be virtually non-existent.&nbsp;

Wise (formerly TransferWise) is a global money transfer platform operating in over 80 countries.&nbsp; Initially a peer-to-peer remittance service, Wise now offers multi-currency accounts for both individuals and businesses.&nbsp;

Wise is known for using the mid-market foreign exchange rate with no markups.&nbsp; It charges a conversion fee depending on the currency used. Broadly speaking, <a href="https://wise.com/in/business/receive-money?_gl=1*nah2tw*_up*MQ..&amp;gclid=CjwKCAiAxqC6BhBcEiwAlXp459KoMqAfTn6WBqO0MdWYyma8kB9qqozJb1yUpdGTsxip73Axb2xyQhoCiLIQAvD_BwE">it is around 1-2% of the transfer value.&nbsp;</a>

For businesses, Wise provides digital FIRAs (compliance certificates) for an additional fee (USD 2.50 for USD transfers) making it a viable Paypal Alternative. 

While Wise offers a <a href="https://www.forbes.com/advisor/in/banking/wise-review/?no_follow=true">user-friendly interface</a> and efficient money transfer services, some users have noted that customer support <a href="https://www.g2.com/products/transferwise/reviews?utf8=%E2%9C%93&amp;filters%5Bnps_score%5D=1#survey-response-9454134?no_follow=true">can occasionally fall short in addressing and resolving issues effectively.</a>

Here’s a quick overview of Wise’s offerings, pricing, and its pros and cons:

Established in 2015, PingPong is a popular name in the cross-border payments arena, aiming to simplify international payments for freelancers, businesses, and e-commerce sellers. It offers multiple virtual accounts in global currencies and allows businesses to pay VAT/GST and other taxes with no additional costs.

PingPong charges a competitive 1% transaction fee, which is attractive but can become substantial for larger transactions. Additionally, since there is a lack of clarity around Ping Pong’s forex rate, there is a possibility of a markup on that rate. 

For compliance, PingPong provides free digital FIRAs to Indian businesses and freelancers, making it a viable alternative to PayPal India. While their customer service is generally prompt, some users have found the <a href="https://www.g2.com/products/pingpong-payments/reviews/pingpong-payments-review-8133929?no_follow=true">onboarding process cumbersome.</a>

Pricing: International transactions can be expensive, and there's no standard pricing model. Look for a provider with competitive rates so you can keep more of your hard-earned money.

Top PayPal India alternatives for international payments

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“We had previously agreed on a call for three content pieces a month. They started demanding eight content pieces a month while delaying the invoice," says <a href="https://www.zoho.com/blog/sign/blog/why-you-need-to-have-a-freelance-contract-agreement.html">Sakshi Jha, a freelance writer.</a>&nbsp;

The biggest mistake in this case is not having a <a href="https://www.skydo.com/blog/the-essential-elements-of-a-successful-freelancer-contract?utm_source=blogs&amp;utm_medium=website&amp;utm_campaign=post_link">freelance agreement</a> with the client. That's why having a clear, solid freelance contract is essential for any project.&nbsp;

However, even with a signed contract, freelancers frequently encounter hurdles like a changed scope of work and delayed payments. So, what should you do in such cases? Let’s find out the remedies for breach of contract.

Understanding Contract Breaches in Freelancing

A contract breach in freelancing occurs when either party fails to uphold their end of the agreed-upon terms. It violates the mutual understanding and commitments laid out in the contract. Let's break down what this entails:

While late payments, non-payments, and multiple revisions are common, there are other significant breaches worth noting:

Understanding these less-talked-about breaches empowers freelancers to protect their rights and negotiate fair contract terms.

Contract breaches are not uncommon. Fortunately, remedies are readily available to address instances of contract breach. By understanding these remedies and taking appropriate action, freelancers can confidently navigate contractual disputes.

One of the best remedies for breach of contract is initiating a dialogue with the client over email or video meetings to find a mutually acceptable solution before taking legal recourse. Discuss the issue, clarify misunderstandings, and renegotiate terms to resolve the breach of contract amicably.

Here are some tried-and-tested tricks to communicate assertively yet politely:

Send a Reminder of the Freelance Contract Terms

In case of a breach of the terms, it is advisable to first send a reminder.&nbsp;

Clearly outline the specific clauses of the contract that the client has failed to uphold. For example, your freelance agreement mentions that the client will make the payment within 15 days of the invoice, and delayed payments will be subject to a penalty of 2% per month. Highlight this clause in the email by mentioning the accurate clause number.

Many professional problems are actually emotional problems. Stress the importance of the <a href="https://www.skydo.com/blog/networking-for-freelancers?utm_source=blogs&amp;utm_medium=website&amp;utm_campaign=post_link">client relationship</a> and express a genuine desire to continue working together. If you acknowledge the client's value and emphasize the mutual benefit of a successful partnership, a positive tone may heal egos and resolve disagreements amicably.

Offer solutions based on past track records. For example, when addressing issues like late or non-payment, consider offering flexible payment options or discussing the possibility of imposing late fees on a case-to-case basis. Some clients may be given tailored solutions based on specific circumstances.

When all attempts to resolve a payment-related issue with a client have been unsuccessful after the initial steps, it may be necessary to escalate the matter by drafting a formal demand letter for payment. This letter serves as a formal notification to the client regarding their outstanding payment obligations and emphasizes the seriousness of the situation.

In cases where the breach is significant and irreparable, a freelancer may choose to terminate the contract. The decision protects their rights and ensures they aren't taken advantage of.&nbsp;

For example, A freelance photographer enters a contract to capture images for a client's advertising campaign. However, midway through the project, the client repeatedly alters the scope. Recognizing the irreparable breach of contract, the photographer issues a formal notice of termination. Terminating the contract allows the photographer to safeguard his time and resources while seeking alternative opportunities.

Clear communication about the decision and its reasons is crucial. Discontinuing services asserts boundaries and signals professionalism, safeguarding the freelancer's reputation and future engagements.

Communicate Your Intention of Taking Legal Action

Before proceeding with legal action, it's prudent to communicate your intention to do so. This preemptive step can sometimes resolve disputes without formal litigation. Consult the freelancing community and experienced peers who've encountered similar situations before taking such a step.&nbsp;

Communicating your intention to take legal action should be done with careful consideration and professionalism. Here's a suggested approach, along with some tips:

Although an extra expense, legal action may be necessary in cases of severe breaches. Assess the severity of the breach and consider seeking legal recourse if necessary. In some instances, freelancers have successfully pursued legal action to address contract breaches.

There are many examples of freelancers winning legal battles. These victories often occur when breaches result in substantial financial losses or damages. Compensation sought may include reimbursement for incurred expenses, lost profits, or other monetary damages resulting from the breach.

Legal action is a last resort after exhausting other remedies and attempting to resolve the dispute through negotiation or alternative means.

It is important to draft well-written contracts that clearly outline expectations and protections for both parties. By being more aware of their rights and proactively safeguarding their interests, freelancers can mitigate the risks associated with contract breaches and foster a more equitable working environment.

Moreover, there's a growing availability of forums, online communities, and professional advice tailored to freelancers. These resources offer invaluable guidance on navigating contract disputes, advocating for fair treatment, and understanding legal rights.&nbsp;

At <a href="https://www.skydo.com/?utm_source=blogs&amp;utm_medium=website&amp;utm_campaign=demo_click">Skydo</a>, we understand the challenges freelancers face, especially when receiving international payments. Trust us to be your reliable partner in navigating the complexities of <a href="https://www.skydo.com/blog/how-you-can-streamline-international-transactions-for-your-business?utm_source=blogs&amp;utm_medium=website&amp;utm_campaign=post_link">cross-border transactions</a>.

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Breach of Contract: Freelancer Remedies

Karbon Business (formerly Karbon Card) hit the market in 2019, aiming to simplify B2B payments for Indian businesses and freelancers. They’ve since expanded into international payments too. But what exactly does Karbon bring to the table? In this blog, we’ll break down their features, pricing, and how they stack up against alternatives. Let’s dive in!

What does Karbon Business (Formerly Karbon Card) do?

Karbon Business initially started as a corporate card platform, hence the name Karbon Cards. However, since then they have expanded into other b2b offerings including facilitating international business payments for companies and freelancers. It offers both inward and outward remittance services. Let's take a quick look at Karbon Card’s offerings, compliance and pricing:&nbsp;

Karbon Business lets freelancers and businesses receive international payments directly into their Indian bank accounts within 24-48 hours. They’ve partnered with big names like IDFC Bank, Visa, and JP Morgan Chase to streamline cross-border transactions.

But here’s the catch—Karbon business <a href="https://www.karboncard.com/accept-international-payments-india">only supports payments in USD</a>. If you work with clients outside the US, this could be a deal-breaker. While they plan to add 12 more currencies soon, it’s still a limitation for many global businesses today.&nbsp;

With Karbon,&nbsp; businesses make international payments in over 30 currencies. Whether it’s paying employees, contractors, or vendors abroad, Karbon promises a competitive and compliant way to make cross-border payments.&nbsp;&nbsp;

Karbon Business provides corporate cards and payout services tailored for businesses. With Karbon Card, you get up to ₹15 Cr in free credit and unlimited employee cards. Their Karbon Payouts feature enables vendor payments on credit, 24/7 payouts, and more, offering flexibility for business transactions.

Karbon Business is a reliable option for receiving international payments in India. It is backed by partnerships with trusted global institutions and adheres to strict safety and privacy protocols to protect your funds.

Coming to compliance, Karbon Business also offers&nbsp; <a href="https://www.skydo.com/blog/all-you-need-to-know-about-firc-a-complete-guide">FIRA for each transaction</a>.

What is Karbon Business (Formerly known as Karbon Cards) Fees?

Karbon Business offers live forex rates with a <a href="https://www.karboncard.com/accept-international-payments-india">flat 1% fee</a> for receiving international payments. While the pricing sounds competitive, the costs can stack up quickly for larger transactions. For example, receiving $10,000 would cost you ₹8,449 in fees—a steep price for high-value payments.

For outward remittance too, Karbon business charges a <a href="https://www.karboncard.com/outward-remittance-india">fee of upto 1%</a>.&nbsp;

Here’s a quick overview of the pros and cons of Karbon Business as a means to facilitate international transactions:&nbsp;

Karbon Business Alternatives for Receiving International Payments&nbsp;

Now that we’ve explored Karbon Business, its fees, and features, let’s dive into some alternatives to see if there’s a better option for receiving international payments.

In terms of fees, Payoneer offers free account setup, but transaction fees apply: Payoneer-to-Payoneer payments are free, <a href="https://www.payoneer.com/en-in/about/pricing/">credit card payments</a> incur a 3.2% + $0.49 fee, ACH Bank Debits (US) cost 1%, and virtual account payments are free for EUR/GBP but up to 1% for USD.&nbsp; Withdrawals to local bank accounts attract up to a<a href="https://www.payoneer.com/en-in/about/pricing/"> 3% fee for different currencies.</a> Extra charges like bank or intermediary fees may apply. An annual fee of $29.95 is charged if total payments received are below $2,000 in a year.

To simplify compliance, Payoneer offers free digital FIRAs to Indian businesses and freelancers. However, users have expressed dissatisfaction with <a href="https://www.g2.com/products/payoneer/reviews/payoneer-review-5364712">Payoneer's customer support</a> which some have found to be virtually non-existent.&nbsp;

Skydo is a global payment solution designed to simplify cross-border payments for freelancers and businesses in India. It offers virtual international bank accounts in under 5 minutes and provides a comprehensive payments ecosystem, including payment tracking, invoice generation, and more.

Skydo stands out with live Forex rates and zero currency conversion fees or hidden charges, offering a transparent fee structure that makes it a strong Karbon business alternative in India.

To ensure compliance with RBI and government regulations, Skydo provides free, instant FIRAs available for download after every transaction. Each user is also assigned a dedicated representative to assist with onboarding and address any queries promptly.

However, Skydo currently supports only inward remittances to India, meaning Indian businesses cannot use it for outward payments.&nbsp;

<a href="https://www.skydo.com/blog/transferwise-india-features-benefits-pros-cons">Wise (formerly TransferWise) </a>operates in over 80 countries, offering multi-currency accounts for individuals and businesses. Originally a peer-to-peer remittance platform, it has evolved into a global money transfer solution.&nbsp;

Wise stands out for using mid-market exchange rates without markups, charging a conversion fee averaging around 1-2% of the transfer value. It also provides <a href="https://www.skydo.com/blog/all-you-need-to-know-about-firc-a-complete-guide">digital FIRAs </a>for compliance (e.g., $2.50 for USD transfers), making it a strong alternative to Karbon Business.

While <a href="https://www.skydo.com/blog/top_5_wise_alternatives_for_international_payment">Wise</a> boasts a<a href="https://www.forbes.com/advisor/in/banking/wise-review/"> user-friendly interface </a>and efficient transfers, some users have reported <a href="https://www.g2.com/products/transferwise/reviews?utf8=%E2%9C%93&amp;filters%5Bnps_score%5D=1#survey-response-9454134?no_follow=true">occasional challenges with customer support</a> responsiveness. Here’s a quick rundown of Wise’s pros and cons:

In today’s world, where domestic payments are as easy as a quick scan, international transactions should be just as effortless. At Skydo, we’re not just offering a payment platform—we’re building an ecosystem designed to simplify every step of the process. Let us take care of the payment logistics so you can focus on scaling your business globally.

Before choosing an international payment provider, always compare fees, exchange rate markups, features, and reliability. Your business deserves nothing but the best!

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Karbon Business : Review

As a freelancer or an exporter, getting paid on time is the most crucial aspect of your business. Wise (earlier known as TransferWise) is one of the most reliable and popular platforms for receiving international transfers from cross-border clients. But what about affordability? Are Wise transfer charges affordable for your business?

In this blog post, we have broken down the Wise transfer charges using different examples. We have also highlighted the good and not-so-good side of Wise based on real-life reviews so that you can make the right choice for receiving international money transfers. 

Wise Transfer Charges: What do you need to know about them?

Wise takes pride in its transparency, ensuring no hidden fees are included in its pricing. But what are the different components of its transparent fees? Let's find out:&nbsp;&nbsp;

Mid-market exchange rate + Currency conversion fee

Wise considers the<a href="https://wise.com/in/mid-market-rate?no_follow=true"> mid-market exchange rate</a> to convert the value of currency. It is derived as the mid-point of the rate at which bankers are ready to buy and sell a currency. The mid-market exchange rate is real, and fair, and helps you get paid without getting stuck in the quagmire of exchange rate movements.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

In addition to that, Wise charges a conversion fee which differs from one currency to another.&nbsp;