What is this from Payza???

Since you haven’t logged in for 18 months, your account is now dormant and a monthly inactivity fee of $10 USD is being applied.
For more information on dormant accounts, please review Section 12.1 of our User Agreement.
To avoid the dormant account fee, all you need to do is log in to your account. So come on by and see what we’ve got for you!
1. Personalize your account and make it even safer by setting up your customizable avatar and welcome message.
2. It’s a small world after all – send money to loved ones in over 200 countries. Always free, always fast.
3. Our fresh account design makes for easy account navigation – find what you need, when you want it.
Thanks for choosing Payza,
Team Payza

I dont have anything on payza so is there a way they could charge me for anything or is it just a scam?

If you have never registered with payza. Its a mass Phishing attack.
If you have account then dont click the link..just type payza.com and if there is such notification in ur acc.

It is legit, but if you have no money in the account they won't charge the $10 a month fee.

https://www.payza.eu/legal#additional_terms

We have a Payza as well but did not receive such emails yet. At least not recently.