The problem in this story is that Robin, the buyer/payer has committed credit card fraud, and now UpWork has $12,500 in uncollected invoices where they've paid

The problem in this story is that Robin, the buyer/payer has committed credit card fraud, and now UpWork has $12,500 in uncollected invoices where they've paid the developer already. Robin the buyer/client's, "oopsie, I used the wrong card" can easily be fixed by using the right card. As a buyer, I love gig boards. As a developer, I don't.