sorry to hear about your loss..
please read this review
https://www.sitejabber.com/reviews/upaycard.com
https://www.ripoffreport.com/reports/upaycardcom-moorwand-ltd-upaycardcom/internet/upaycardcom-moorwand-ltd-upaycardcom-upaycard-moorwand-ltd-upaycardcom-upaycardcom-u-1432924
https://www.scamguard.com/upaycardcom/

my suggestion is... do research before decide where do you want put your money.