If you don't know what you are doing, I'd recommend to stay away from payzapp wallet load. Other wallets are fine, though. Since payzapp is by HDFC, it is easy to track money rotation. There is a high probability that your HDFC bank account may be frozen temporarily and you may have to explain what you did.
It is easy to misunderstand what other people have written here and does things differently than the intended purpose. Be safe and stay away from Payzapp for wallet load, unless you are going to use it mainly for Scan&Pay in shops.