When I look at the situation, I think it is an issue between Upwork and the guy who ordered work. The claim is not about the quality of work, nondelivery, or something Al could influence somehow. I think Upwork knows how frequent are frauds of this type. It can be insured against it or take measures to prevent them. Or just have some reserve fund aside to cover this when there are no other viable solutions. I was convinced, Upwork has already mastered this process.

In the case of a bank, it does not work like this. It is not easy to get CC transactions canceled. I was perhaps five times in my life in such a situation. In all cases, it was a pain, and I have got my transaction canceled only once. Somebody has stolen my CC details, which were probably illegally stored at some shop platform, and made an online purchase in another country. It took about a month to cancel. In all other cases, like technical mistakes when my CC was charged twice, recurrent payment was created from my single purchase, or online service was paid but not delivered. In all these cases the bank responded that I had to deal with a vendor. It was next to impossible with big multinational platforms. They have no support, phone number, or email. Later, with much delay, I was lucky when a double transaction was canceled. Another time, the recurrent payment was returned by a provider with an email that they do a big favor to me, and I should appreciate it.

I think when somebody uses the card of somebody else, the bank will treat it as a violation of the card rules and will not cancel the payment. It may be also a criminal act under some legislation, and the police will be involved.