In 2025 PayZapp, Paytm and Amazon Pay all work but they serve slightly different use cases. PayZapp is now tightly linked with HDFC Bank so if you are an HDFC customer it feels smoother with better offers on bill payments, recharges and HDFC credit card spends. Paytm still has the widest acceptance offline, especially with small shops, metro recharge and QR code payments. Amazon Pay is the most limited now since RBI rules capped wallet usage and a lot of high value payments like insurance or mutual funds are blocked, so it is mostly useful for food delivery, travel tickets and shopping on Amazon. If you want one wallet that covers the most ground in daily life Paytm is still ahead for general usage, but if you are with HDFC then PayZapp gives you stronger rewards and integrations. Amazon Pay is more of an add on balance rather than a full wallet.