hi,
as far as i can see,
$cfg['dir_uploaded_images']
represents a web-directory.
the problem is, that move_uploaded_files works with "real" directories. so you've to find out, where the picture-directory lies on your server.
f.e. the picture-path could be
/var/www/html/hellohello.com/ecards/
your move_uploaded_file-call should look like that:
move_uploaded_file($HTTP_POST_FILES['attachment']['tmp_name'], '/var/www/html/hellohello.com/ecards/' . $pic_name);
hope that helps
stefan