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Payzapp wallet is an alternative for your offline POS (tap & pay) using your mobile. So, incase you're getting less rewards on your card for offline purchases, but getting good rewards in wallet mcc, then you can top-up and use that as tap & pay system.
Ex: Eterna gives 3.75% on wallet load, but 0.75% for offline purchases. So, if we load payzapp and use that for tap & pay in offline then effectively we're getting 3.75% offline too.
Also, Eterna gives 3.75% online and wallet load, but if we load payzapp and use that to purchse gyftr voucher (covers most of the common person websites) then effectively we're getting 8.75%.
Also, Eterna gives 0.0375% on excluded category websites, but if we load payzapp and use those places effectively we're getting 3.75% on those websites too.
Replace eterna with your credit card, and excluded categories of that card but good rewards on wallet mcc, you're effectively getting best possible reward rate with your card.