@chekohler, yes, you can dispute it, but it's hard, try keeping all conversations on Upwork or email, not Skype, so you have something written from them and make them sign a contract.
I didn't think of adwords campaign, it's a good idea :)
I know, the fees are making it all a bit more difficult, there is transferwise also, which now charges less than Paypal.
It's all such good ideas you have:)! Yess stockphoto sites can be awesome for passive income!