I tried using HDFC Bank's Payzapp app for payments - it has features like loading up the Payzapp wallet with credit card, then transfer by UPI to bank accounts, etc. But,
- they doubled the fee for Payzapp wallet loading from credit card
- many merchants, including the most important one which I needed to pay > 10k per month, blocked access to Payzapp payments due to fees they're charging merchants
- a billdesk payment of APSPDCL went through, but did not reflect in the "paid" bills. Billdesk said merchant had rejected payment, I need to pay again. Payzapp says refund has been issued, but there is no way to check except by seeing the balance - which I have now emptied, because the back-and-forth between Payzapp and Billdesk had taken more than a month.
Overall, a very poor experience. So I will use Payzapp only for the convenience of paying HDFC Bank credit cards with it, will block all notifications from it, and not keep any wallet balance. Even when making HDFC bank credit card payment, the app failed to load this morning, and loaded again later in the day. Also, the Payzapp app shows "apply coupons" when making a Rs. 4000 payment, but the coupon says min. transaction Rs. 5000, and the "apply coupon" button is not shown when I was actually making the Rs. 10,000 transaction! Bad HDFC! We can contrast this with Amazon.in's method of showing exactly how much "cashback" or "savings" will accrue for each payment method.
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