Payzapp wallet is good for me I am not sure about how others feels, but they provide m visa facility which is good you can pay in shop who accept m visa just by scanning their qr code.
their are so many offers in payzapp like cashback on recharges and bill payments, if you pay idea postpaid bill then u will get cashback, if you pay tata sky recharge then you will get 50% extra balance, they run offer like 10% cashback on recharges.
they also run offer on movie ticket and flight tickets. you can use your visa or master credit or debit card, but they dont accept american express cards.
you can transfer funds to any bank account without any charges, overall its good experience to use payzapp wallet.