Loading money to my payzap is not working since April. Tried to load money from multiple credit cards multiple times. Every time it says system error transaction failed. Customer care says there is no issue in their system try after sometime. Only solution they have is - try after sometime. Again it failed, I got a solution from them - try after sometime. Finally their supervisor called me and she says payment declined by issues. I asked why will it get declined from different credit cards and multiple times, where as these cards are working everywhere. Her answer was check with the card issuer and try after sometime. Never call their customer service, you will only waste ur time. I am waiting for refund of failed transaction before I go ahead and close this useless payzap account