let us say i pay to upwork by my friends credit card and due to some reason my contract is dropped and do not want to continue anymore then where the deposit money will go .? will it be in same source account credit card or i can with draw it in alternatives like bank account ,debit card etc etc .
Refunds and return from escrow payments can only ever go back to the source they originally came from. In other words, the credit card used to pay.
This is due to money laundering and fraud prevention regulations.