Never, never risk your hard earned money. Never make any transactions using payzapp app or payzapp payment gateway.
Here is my horrible experience.
Firstly, I should tell you that I never lost a penny before in an online transaction. I make lot of transactions, both domestic and international, and there were numerous failed transactions(money debited but payment failed scenario) and every time the money was refunded in a matter of weeks. If something went wrong I could easily contact the customer support of the payment gateway involved and get the refund. For the first time I lost my money(Rs. 7000+) in an online transaction made though Payzapp payment gateway. The worst part was the customer support never acknowledged the payment even after providing them multiple proofs. It has been nearly 2 months and Payzapp is yet to acknowledge the transaction. I am still struggling and I am pretty convinced that the money will never be refunded.
https://quora.com/What-is-the-reviews-about-using-PayZapp-app-by-HDFC-bank/answer/Manjunath-Thamminidi-2