Ask What do you do when a Upwork client wants to move to a monthly retainer off platform?

A client might ask you to stop using Upwork and pay you directly every month so they can save on service fees. While getting the full amount of money sounds great, you lose the payment protection that the site provides for your hours. It is a big risk because you might work for a whole month and then the person disappears without paying. If a client suggests this to you, how do you say no without making them feel bad or losing the job?
 

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