Is it safe to share your payment details with a client?
Sending your bank details in a DM feels risky. Here's the safe way to share how you get paid.
The short answer.
Sharing payment details is not dangerous by itself, but how most freelancers do it is. A bank detail pasted into a public DM or a comment can be screenshotted, forwarded or scraped.
What actually goes wrong.
The real risks are mundane. A fake client swaps the account at the last second (payment redirection). A screenshot of your details lives online forever. And you have no record of who you sent what to.
The safer way to share.
Verify who you are dealing with before you send anything. Never post payment details in a public comment or story. And share them through something that gates access, so only the person you intend can see them.
The cleanest way: Pay-Me.
Share your details behind a password, with only the clients you give it to. They are encrypted, never shown on your public page, and Folio never touches the money. You keep 100%, and it's free.
What you should never put in a public bio.
Your IBAN, full card numbers, or anything you would not want screenshotted. If it has to be shared, share it privately, behind a password.
Questions
Is it safe to send my IBAN to a client?
An IBAN alone can't be used to pull money from your account, but it can be screenshotted and used in scams. Share it privately, not in a public DM.
Can someone steal money with just my bank details?
Not directly from sharing them, but payment-redirection scams and phishing are real. Verify the client and gate access to your details.
What's the safest way to get paid as a freelancer?
Share your payment method privately with a verified client, and keep a record. Pay-Me does both behind a password.
Does Folio see my payment info?
It's encrypted at rest and only revealed to someone with the password. Folio never touches the money.
Is Pay-Me free?
Yes.
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