Seems you got pretty much every single detail of this wrong. > You used Upwork as your credit card processor. No, he used Upwork as his agent for selling fre

Seems you got pretty much every single detail of this wrong. > You used Upwork as your credit card processor. No, he used Upwork as his agent for selling freelance work. Upwork in turn used whatever credit card processor they used; perhaps their bank, I don't know. > Then the processor told you that your customer was basically using a stolen credit card. No: Then Upwork's credit card processor told Upwork that Upwork's customer was basically using a stolen credit card. > It’s completely reasonable for Upwork to take these funds back from you. No: It’s completely reasonable for Upwork to take these funds back from Upwork's customer, "Robin". > And it’s completely reasonable for you to call “Robin” and demand he pay you back directly. No.