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Upay Technology Limited Reviews 

19
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TrustScore 2.5 out of 5

2.6

Cryptocurrency Service
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Company details

  1. Cryptocurrency Service
  2. Card Processing Service

Written by the company

UPay Technology LTD., headquartered in Dubai, is a leading blockchain technology company specializing in innovative cryptocurrency wallet and payment solutions. We are committed to ensuring the highest standards of security, professionalism, and excellence in the rapidly evolving blockchain and digital payment landscape. We seamlessly bridge the world of cryptocurrency and traditional fiat currency for both individuals and businesses, allowing you to effortlessly manage and leverage your digital assets with our comprehensive solutions. Our goal is to enable users to easily manage and utilize digital assets for various purposes, such as Crypto Cards, Collateralized lending, Wealth Management, Stock Trading, Cryptocurrency exchange, VA account same-name transfer services, and more.

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2.6

Poor

TrustScore 2.5 out of 5

19 reviews

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Replied to 92% of negative reviews

Typically takes over 1 month to reply

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2.6

All reviews

(19)

18 reviews in the last 12 months

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Rated 1 out of 5 stars

Thieves

Don't use them; they are thieves. I had a card in euros, but in April their euro cards stopped working. I had money in the account; they said they would transfer the funds to a general balance so I could use them with other cards, but three months have passed and I still can't access my money.
I sent many times email to support, moths waiting my money, and the only answer is, sorry for delay we are on it.
Very bad service.

July 16, 2026
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hi Obelix1974, thank you for reaching out and explaining your experience, we are truly sorry that your euro card stopped working back in April and that this issue is yet to be resolved.

Our support team will trace exactly where the transfer to your general balance stalled.

Please send your registered email and any reference numbers from earlier conversations with us through support@upay.com, and we will treat your case as a priority the moment we hear back from you.

UPay

Rated 2 out of 5 stars

Upay is good for us

May 13, 2026
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hi Ibrahim,

Thank you for sharing your feedback with us.

We’re glad to know that UPay has been useful for you. We also appreciate every review, as it helps us continue improving our services and user experience.

If there’s anything specific you feel we can improve, we’d love to hear more from you. Thank you for being part of the UPay community.

Rated 5 out of 5 stars

Upay payments are fast and easy

Upay payments are fast and easy. Upay anytime, any day

April 6, 2026
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hi Jamila,

Thank you for your kind words and for taking the time to share your experience with UPay.

We’re delighted to hear that you find the app fast, reliable, and enjoyable to use. Providing an efficient and seamless experience for our users remains one of our top priorities.

Your support and feedback mean a lot to us. Thank you for being part of the UPay community.

Rated 5 out of 5 stars

The best wallet you'll come across

Upay wallet is the best wallet you'll ever come across, it is seamless and very reliable.A trial will convince you.

October 16, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hi Irene,

Thank you so much for your wonderful feedback and 5-star review.

We’re delighted to hear that you find the UPay wallet seamless and reliable. Our team works hard to provide a smooth and dependable experience for all users, so feedback like yours truly means a lot to us.

Rated 5 out of 5 stars

Trusted and operating for over 3 years

Trusted and operating for over 3 years, with a strong track record of stability and competitive fees

June 18, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Thank you for your support and for being part of the UPay journey over the years. We truly appreciate your recognition of our stability, service continuity, and competitive fee structure.

Rated 2 out of 5 stars

Palau Digital ID not working

Registering with Palau Digital residency Citizenship card does NOT work for KYC

Please add support for Palau ID soon for KYC

March 31, 2026
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Thank you for your feedback, and we understand the frustration this may cause.

At the moment, Palau Digital ID support for KYC may be limited due to compliance, issuer, or regional verification requirements. Our compliance and verification systems currently support specific document types and jurisdictions, and some digital residency IDs may still be under review for full compatibility.

We appreciate your suggestion regarding Palau ID support, and the team is actively reviewing additional identity verification options to improve accessibility for users globally.

If you'd like, please contact support@upay.com with your registered email address and more details about the document you attempted to use, and the team can check whether there are alternative verification options available for your account.

Thank you for your patience and feedback.

Rated 1 out of 5 stars

The UPAY identifies Normal people as PEP

I tried to register and apply for both Virtual and Physical Card, but the KYC process of Upay has a bug. It says, I'm a PEP, but I'm not. The third-party deployed KYC is not reliable since I'm not a PEP for sure. It should give a second chance to do KYC, but it doesn't. No representation chance is a BIG BIG Reg Flag for customers to choose the product and UPAY because it doesn't listen.

March 14, 2026
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hi Rajiv,

We’re really sorry to hear about your experience and understand how concerning this situation must be.

To clarify, PEP flags are part of strict compliance and regulatory requirements tied to our KYC process and are typically determined through third party verification systems. In some cases, false positives can occur due to similarities in names, profiles, or incomplete data matching.

That said, you should not be left without a resolution. We sincerely apologize if you were not given a clear opportunity to reverify your details.

Please reach out to our support team at support@upay.com with your registration details so we can escalate your case for a manual review and assist you with completing your KYC properly.

Your feedback is important, and we are continuously working to improve both our verification process and user experience.

Thank you for bringing this to our attention.

UPay Team

Rated 1 out of 5 stars

Disappointing Experience Misleading Apple Pay Promotion and No Refund Option

My experience with UPay was extremely disappointing.
They promote their service as supporting Apple Pay, but after purchasing the card, I discovered that it cannot be added to Apple Pay as expected. There was no clear warning before the purchase, and there is no refund option once you realize the issue.
If I had known this beforehand, I would not have spent my money. Honestly, even buying a meal at McDonald’s would have been a better use of it.
I wish there were an option to give zero stars, because even one star feels too generous for this experience.

February 24, 2026
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hi Mohamed,

We’re really sorry to hear about your experience and understand how frustrating this must have been.

To clarify, Apple Pay is not yet fully live across all UPay cards and regions. It is currently supported only for eligible cards in approved regions, and availability depends on factors like issuer requirements, regional regulations, and ongoing integration updates.

For the UPay Premier Card, Apple Pay testing has already been completed, and we are currently awaiting Apple’s official announcement before full public rollout.

We acknowledge that this may not have been clearly communicated prior to your purchase, and we sincerely apologize for any confusion this caused.

Regarding refunds, transactions and card purchases are generally non refundable once processed, but we would still like to review your case and see how we can assist.

Please reach out to our support team at support@upay.com
, and we will be happy to look into this for you.

Thank you for your feedback. It helps us improve both our communication and user experience.

UPay Team

Rated 1 out of 5 stars

The worst service

The worst service. Their website lists Apple Pay, which hasn't worked for six months, and every time they lie that they are fixing it. Now even their card has stopped working, and they are lying again that they are fixing it, asking how long I have to wait, they giving different answers.
A fraudulent service where even cards don't work.

UPD.
These scammers have frozen my money and are asking for confirmation of all my documents, address, employment, bank accounts, and expenses.
Never contact them.

January 26, 2026
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hello,

We regret the inconvenience you’ve experienced and appreciate you bringing this to our attention. Apple Pay is currently supported only for eligible cards and regions, and while testing for our Premier Card has been completed, public availability is subject to Apple’s official rollout.

Card service interruptions or account restrictions may occur due to compliance reviews, risk controls, or program-level requirements from our issuing partners. In such cases, additional verification may be required in line with regulatory obligations. Any restriction is temporary and applied solely to complete the review.

Please contact support@upay.com with your ticket reference so our team can review your account and provide clear guidance.

Sincerely,
UPay Support Team

Rated 1 out of 5 stars

UPAY TECHNOLOGY LTD. scammers

UPAY TECHNOLOGY LTD. These guys are straight-up scammers. Never download their app and don’t even think about topping it up.
First they’ll charge you a hundred “for the card,” then tell you it’ll take a month or more to “process.”
When the card finally shows up, it’ll work for like a month and then get randomly cancelled.

But the real nightmare is this - they keep all the money that gets charged, even if the merchant cancels the transaction or issues a refund.
They either have zero connection to a real card issuer, or they’re just pocketing every refund that comes back.

November 11, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hello,

We take allegations of this nature very seriously and would like to clarify the concerns raised. Card issuance fees, where applicable, are disclosed during the application process and are related to card production, compliance checks, and issuing-partner requirements. Processing timelines may vary depending on verification and card program constraints.

Card cancellations or service interruptions can occur due to compliance reviews, risk controls, or program-level changes mandated by our issuing partners. These actions are not arbitrary and are taken to meet regulatory and security obligations.

Regarding refunds, UPay does not pocket customer funds. Refunds are processed once the merchant completes settlement through their acquiring bank, and timelines are governed by card networks and merchants. Delays may occur while transactions are pending, under review, or undergoing chargeback procedures.

We encourage you to contact support@upay.com with your transaction details so our team can review your case and provide accurate clarification.

Sincerely,
UPay Support Team

Rated 1 out of 5 stars

This company is very, very bad

This company is very, very bad. Terrible customer support. Alway blame the customer, even it is there fault. Do not tell you only USDT is working, charge 1000% network fee. If you want to withdraw BTC they charge 100USD, even the network fee is 1 USD. Refuse to give you money back if you where charge twice. They lie all the time. DO NOT USE THIS COMPANY !!!!!

You charge fees on declined transactions, duplicate transactions and as well on refunded transaction. So the total fees on one declined or refunded transaction where almost 6 %. even the transaction was declined. Ridicules.

October 29, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hello,

We’re sorry to hear about your experience and appreciate the opportunity to clarify the concerns raised.

UPay’s fees are disclosed in our Help Center, Cardholder Agreement, and within the app where applicable. Charges may include top-up or deposit fees, FX conversion fees (depending on currency and region), authorization fees, ATM withdrawal fees, and network-related fees. In some cases, transactions may appear higher due to cross-border processing, card network exchange rate differences, dynamic currency conversion applied by merchants, or ATM and quasi-cash classifications.

If a transaction appears to have been charged incorrectly or more than once, this is not intentional and requires review to determine whether the charge is pending, duplicated, or subject to reversal under card-network rules.

We acknowledge your feedback regarding customer support and are actively working to improve clarity and resolution handling. Please contact support@upay.com with your transaction details so our team can review your case and provide accurate clarification.

Sincerely,
UPay Support Team

Rated 1 out of 5 stars

scam

scam, dont download the app

October 28, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hello,

We’re sorry to see this feedback. UPay operates in line with regulatory and compliance requirements, and we take customer concerns seriously.

If you experienced an issue with our service, we encourage you to contact support@upay.com so we can review your account or transaction and provide clarification.

Sincerely,
UPay Support Team

Rated 5 out of 5 stars

just download this app from ios…

just download this app from ios Appstore, have deposit USDT, cannot withdraw USDT, cannot Apple Pay. it is a scam.

October 20, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hello,

We’re sorry to hear about your experience and would like to clarify the points raised. Apple Pay is currently available only for eligible cards and regions, and availability may be limited due to card program transitions, technical integration updates, or compliance requirements.

Withdrawal or transaction restrictions may also occur if an account is undergoing a compliance or security review, or if certain conditions required for processing have not yet been completed. These reviews are part of regulatory obligations and are not applied arbitrarily.

We encourage you to contact support@upay.com with your account details so our team can review your case and provide clear guidance on next steps.

Sincerely,
UPay Support Team

Rated 1 out of 5 stars

No Apple Pay Support - No Refund

Registered and paid 10$ for a virtual card only to see they do not support Apple Pay (even though stating they do on their website)

Asked for a refund and they will not offer.
BEWARE!!

October 11, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hello,

Apple Pay is currently supported only for eligible cards and approved regions. While testing for the UPay Premier Card has been completed, public activation is subject to Apple’s official rollout and is not yet available for all virtual cards.

Regarding refunds, charges related to card issuance or completed transactions are governed by card-network rules. Refunds are processed only when a merchant initiates a return through their acquiring bank and may be subject to settlement or review timelines.

For case-specific clarification, please contact support@upay.com.

Sincerely,
UPay Support Team

Rated 1 out of 5 stars

Save yourself the trouble and find a better alternative.

My experience with UPay’s virtual card has been nothing short of frustrating. From the moment I got the card, I couldn’t complete a single transaction—no matter where I tried to use it. I followed all their instructions and even reached out to customer support multiple times, but every attempt was declined due to their so-called “Quasi-Cash Merchant Policy,” even though I was just making ordinary purchases.

To make matters worse, I recently received a notice stating that the card will no longer support transactions or top-ups after March 21, 2025. That basically renders it completely useless. Why even issue a card that can’t be used in the first place?

I’ve already requested a full refund of my remaining balance and asked to freeze the card. There’s no point holding onto a service that doesn’t work. The lack of transparency, poor user experience, and total waste of time have left me deeply disappointed.

If you’re looking for a reliable virtual card, I strongly advise you to steer clear of UPay. Save yourself the trouble and find a better alternative.

April 10, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hello,

We’re sorry to hear about your experience and appreciate the opportunity to clarify.

Some card transactions may be declined due to merchant category restrictions, including quasi-cash merchant classifications, as well as network authorization rules and compliance requirements. These controls are applied in line with card-network and regulatory obligations and can affect certain merchants even when a transaction appears to be a standard purchase.

Regarding the March 21, 2025 card program changes, affected users were notified via in-app message and/or email. Where applicable, migration instructions or replacement options were provided, and users who require clarification are encouraged to contact support.

Refunds are processed in accordance with card-network rules and settlement status. Where a merchant initiates a return, refunds are handled through the acquiring bank and may be subject to standard review timelines.

Please contact support@upay.com with your account details so our team can review your case and provide accurate guidance on available options.

Sincerely,
UPay Support Team

Rated 1 out of 5 stars

I had a terrible experience with UPay's…

I had a terrible experience with UPay's virtual card. From the very beginning, I wasn't able to complete a single transaction, no matter where I tried to use it. Despite following their guidelines and even reaching out to customer support, my transactions kept getting declined due to their "Quasi-Cash Merchant" policy, even though I was just trying to use the card normally.

To make things worse, I recently received a notification that the card will no longer support transactions or top-ups after March 21, 2025. This means my card is now practically useless! Why issue a card in the first place if it can’t be used?

I requested a full refund of my remaining balance and for the card to be suspended, as there is no point in keeping a service that doesn’t work. I’m extremely disappointed with the lack of transparency, poor user experience, and wasted time dealing with this company.

I do not recommend UPay if you're looking for a reliable virtual card. Avoid the frustration and find

March 18, 2025
Unprompted review
Upay Technology Limited logo

Reply from Upay Technology Limited

Hello,

We’re sorry to hear about your experience and appreciate the opportunity to clarify.

Some card transactions may be declined due to merchant category restrictions, including quasi-cash merchant classifications, as well as network authorization rules and compliance requirements. These controls are applied to meet card-network and regulatory obligations and may affect certain merchants even when a transaction appears to be a standard purchase.

Regarding the March 21, 2025 card program changes, affected users were notified via in-app message and/or email. Where applicable, replacement or migration options were provided, and users who require clarification are encouraged to contact support for assistance.

Refunds are processed in accordance with card-network rules and settlement status. Where a merchant initiates a return, refunds are handled through the acquiring bank and may be subject to review timelines.

Please contact support@upay.com with your account details so our team can review your case and provide accurate guidance on available options.

Sincerely,
UPay Support Team

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