A Guide to Easily Earn Money in Payday 3 and Become a Renowned Heister

Published 09/23/2023, 8:15 AM EDT

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Payday 3 is the world of lucrative criminal enterprises, filled with heists and loot. Money controls everything in Payday 3. Money controls everything in Payday 3. To live, you’ll need to produce a lot of money because you’ll need better equipment in such a world. If not, you’ll be compelled to play the entire game using fodder weapons.

This first-person co-op shooter was released recently, on September 21. Before diving into the exciting world of this game, we have got something for you. The best way to get money in Payday 3 is through heists, however, some are better than others. The loot in these heists is very good, despite the fact that you must advance in your playthrough before trying them.

Explore the best ways to earn money in Payday 3

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We are here with a guide to amassing wealth in the game. Be it a rookie thief or a master gangster, this guide is going to prove to be a money tree for you. In this guide, we will be discussing the various ways to earn money in the game. So, what are you waiting for? Let’s dive in.

1. Pulling off heists

This has to be the most common and efficient method to earn money in the game—the base of the game—by heisting. There are many different objectives, challenges, and rewards to get after completing a heist. Where the stakes are higher, the more profitable the heist. Bank heists or casinos are some prime instances of it. There is also a catch. If the same heist is played repeatedly, your agility and efficiency will improve for sure. Thus, it will make sure that you get more money next time for the same heist.

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Although, according to the developers, the heists in this game will be longer than those of its predecessor, Payday 2. Some of the heists can last as long as 30 minutes. Although these 30 minutes are surely not going to be boring at all, there are tons of ways to complete them.

2. Looting is important

To become a wealthy heister in Payday 3, it’s important to pay attention to the loot. There are tons of items scattered throughout the heist locations, like cash, jewelry, paintings, safes, and many more. If you add up these collectibles, it will maximize your gains from your heists. To do these things, you have to build strong communication with your teammates. As a co-op multiplayer title, this game demands proper team-based gameplay.

3. Completing challenges

There will be a lot of mission-specific challenges while pulling off a heist. Completing these challenges can earn you extra money. And these challenges are fun as well, like hacking into systems, securing hostages for leverage, disabling security measures, and many more.

There is more than one way to complete those challenges. The more challenges you complete in a single heist, the more significant the heist is going to be for you in terms of making money.

4. Stealth Bonus

Like in other games, not raising the alarm is always the best way to complete the heist successfully. In this game, you will be rewarded extra with a significant stealth bonus. Although completing a heist quietly may add value to your packet, you have to skip some of the in-heist challenges or objectives in order to avoid the alarm. But the stealth bonus is always larger than some challenges. There are missions as well that you can pull off silently, so no worries.

As a team-based game, in order to pull off the heist under the nose of the authorities, you will need extremely careful planning, tactics, patience, coordination, and most importantly, trigger discipline. And playing heists in stealth mode makes the game way more exciting than playing it in Terminator mode.

5. Taking the bag

Carefully and efficiently moving the bag of loot to the extraction points is the cherry on top. A loot bag is the source of extra income, which is the source of your collected items, like jewelry or a safe, from the heist scene.

The primary way of earning extra money by this method is to assign a team member to keep a closer look at the bag, and when a fight finishes, quickly move the bag to the next location. Also, there are some skills that you can acquire to improve bag movement speed and carrying capacity. Thus, you can carry extra loot as well as move the bag more swiftly and silently. The more you gather these skills, the more chances there are that you will earn extra money in the long run.

6. Skill points and perks

Talking about skills, there is an array of skill sets in the game. By completing missions, you earn skill points. With these skills, you can unlock extra skills and perks. Each mission demands specific skills and demands. Like in silent heists, you will need perks that will make you walk quietly and swiftly. So, spending skill points wisely on necessary skill sets is the key.

You can customize the skillsets according to your playing style and role in the team as well. This skill and its perks are going to be your longtime companions on the journey of earning extra money.

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7. Difficulty Levels

In Payday 3, there are a total of four difficulty levels: normal, hard, very hard, and overkill. Each level offers greater threats and obstacles as you go on to increase the difficulty level. Not only tougher challenges, but higher difficulties offer more rewards.

So, it’s quite obvious that the difference in earnings will be like hell and heaven in normal and overkill. Although pulling off heists in overkill conditions will take a lot of practice and pinpoint tactics,

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So, that was it. This guide is surely going to replenish your monetary needs in Payday 3, and that too in some simple way. Now, it’s time for you to jump on the scene and gather all the money you can.

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Written by:

Nilendu Brahma

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Nilendu Brahma is an eSports Content Writer at EssentiallySports, bringing his passion for gaming and sports journalism to the forefront. With a Bachelor of Arts in English Literature, Nilendu combines his love for writing with his expertise in eSports. As a die-hard Barcelona fan and a cricket fanatic, he understands the pulse of sports enthusiasts.
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Edited by:

Ananya Giri