The Complete Guide to Getting Paid as a Freelancer in 2025

As a freelancer, you've probably experienced the frustration of late payments, awkward payment conversations, or clients who seem to forget that you need to pay rent too. Getting paid shouldn't be the hardest part of freelancing — but for many, it is.

This guide covers everything you need to know about getting paid as a freelancer in 2025, from setting clear payment terms to choosing the right payment methods and handling late payers.

1. Set Clear Payment Terms Upfront

The biggest mistake freelancers make is not discussing payment before starting work. You should always agree on:

• Total project cost — Be specific about what's included and what isn't
• Payment schedule — When payments are due (upfront, on completion, milestones)
• Payment method — How the client will pay you
• Payment terms — Net 7, Net 14, Net 30 (how many days they have to pay)
• Late payment fees — What happens if they don't pay on time

2. Request a Deposit for New Clients

For new clients or larger projects, always request a deposit before starting work. This serves multiple purposes:

• Confirms the client is serious about the project
• Gives you some security if the project is cancelled
• Establishes that payment is expected, not optional
• Provides cash flow to cover your time investment

A 50% deposit is standard for most freelance work. For very large projects, consider 30% upfront, 30% at a milestone, and 40% on completion.

3. Choose the Right Payment Method

The payment method you offer affects how quickly and reliably you get paid. Here are the most common options:

Bank Transfer (Recommended)

Direct bank transfers are the best option for most freelancers:

• No transaction fees
• Money goes directly to your account
• Fast clearing (often same-day in the UK)
• Works for any amount

PayPal

Popular for international payments, but watch the fees:

• 2.9% + 30p per transaction for UK payments
• Higher fees for international payments
• Buyer protection can work against you in disputes
• Easy for clients who already have PayPal

Payment Links

Payment links combine the best of both worlds — the professionalism of an invoice with the convenience of multiple payment options. You create a link with your payment details (bank account, PayPal, etc.), send it to your client, and they pay you directly.

4. Invoice Promptly and Professionally

Send your invoice or payment request immediately when the work is done. The longer you wait, the less urgent payment feels to the client. Your invoice should include:

• Your name and business details
• Client's name and details
• Invoice date and due date
• Clear description of work completed
• Total amount due
• Your payment details

For simpler transactions, a payment link can be faster than a formal invoice while still looking professional.

5. Make Paying You Easy

The easier you make it to pay you, the faster you'll get paid. This means:

• Clear payment details — Don't make them hunt for your bank account number
• Multiple options — Offer bank transfer AND PayPal if possible
• One-click payment links — A single link that shows everything they need
• Mobile-friendly — Many people pay from their phones

6. Follow Up on Late Payments

Even with the best processes, some clients will pay late. Here's how to handle it:

1. Day 1-3 after due date: Send a friendly reminder. "Just a reminder that invoice #123 was due on [date]. Please let me know if you have any questions."
2. Day 7: Follow up with a firmer reminder. Attach the invoice again.
3. Day 14: Call or send a final notice. Mention late payment fees if you have them.
4. Day 30+: Consider escalation — formal demand letter, debt collection, or small claims court.

7. Build Long-Term Client Relationships

The best payment strategy is working with clients who respect you and pay on time. Over time, you'll learn which clients are reliable payers and which are trouble. Don't be afraid to fire clients who consistently pay late — your time and mental health are worth more than chasing payments.

Key Takeaways