In Payback , you play as three distinct characters—Tyler, Mac, and Jess—each specializing in different driving styles (Race, Drift, Off-Road, Drag, and Runner).

While critics initially found the card-based upgrade system controversial, many players now appreciate Payback for its cinematic "Fast and Furious" style heists and diverse open world. The game allows you to build vehicles across five distinct classes——offering a variety of gameplay styles that modern titles sometimes overlook.