You need to understand HTTP APIs to understand that. In basic terms, a GET pretty much does NOT use the payload, whereas a PUT or POST might use the payload.
The help states:
When configured within the node, the URL property can contain mustache-style tags. These allow the url to be constructed using values of the incoming message. For example, if the url is set to example.com/{{{topic}}} , it will have the value of msg.topic automatically inserted. Using {{{...}}} prevents mustache from escaping characters like / & etc.
So you could have a URL of https://something/category/{{{payload}}}
Equally, you could leave it blank and use a change or function node to build msg.url from msg.payload