Payday 2 walkthrough, tips, and cheats

GameZone brings you the all-inclusive guide and faqs of PayDay 2, covering all tips and important info to get you a complete experience of Heisting - the PayDay way!


Tips Section -

Skills -

Cont on Page 2...

Regular Missions -

Bank Job: Money, Deposit and Gold
Four Stores
Jewellery Store

Special Missions -

The Elephant: Framing Frame - 3Days
Contract: Watchdogs - 2days

Tips Section -


In the bare-bones way of putting it - PayDay 2 is a co-op game, which means that to get maximum fun out of it, you need to get online or connect with friends. Single Player is also available but is null and void when compared to the co-op and multiplayer aspect.


When in co-op each of the players can handle a certain task of the heist -

One player can concentrate on the drilling and lock-picking part of the heist while another concentrates on taking out the security and another tries to gather the loot of cover the entrance. Of course when the police and SWAT start assaulting you, one should concentrate on moving the loot while the other two concentrate on the cops.

If however you want to learn the game first so that you can avoid being branded a beginner, then offline is the way to go. In offline games however, you will end up doing most of the work yourself with little or no help from the AI except when the police start assaulting and when you are down and need to be revived - they do come in to revive you at all times except when you are too far and inaccessible for them. Unlike the co-op, when you get taken into custody, you will fail the heist. In co-op, you will have a certain time before you can get back into the heist and this may pressurize the other players quite heavily in case of advanced missions.

Not everyone in the team should be doing the same thing, sometimes it would be best if you split up and at other times, sticking together is a must. Whatever the case, each person should be doing a different thing so that the tasks are divided evenly and this will depend on the communication between the players which can be crucial in the more difficult missions. You guys just have to figure things out each time!!! Do I see a team forming?

Missions & Heisting

The core and back-bone of the game is it's heist missions. You can get into the online of offline and you'll see a map with various heist missions showing up, they come and then go away after a certain time marked by the diminishing white circle to the left of their names.

There are some types of mission while show up repeatedly such as the Bank Money and Deposit Heist, the Mall, Night Club, Four Stores and the Jewelry Store. They appear each time with varying payouts and difficulty. You will get bored of these pretty soon unless you are on co-op, in which case it'll take a little longer to get bored with these single day jobs.

The main essence of the game is in the multiple day special heist mission which randomly show up on the map. An example is a cocaine truck job which is run over two days. Another is a art Galleria job over three days. These jobs can go up to a maximum of seven days and can get really challenging too and trust me single or co-op, you will have a lot of fun and your heisting skills will be tested to the maximum during these jobs. All other normal jobs are only there for you to gain easy experience points and other stuff so you can level up your character and buy skills with the character points. You are not really tested unless you have played these.

The normal missions - you'll keep repeating frequently and you'll get to know them in detail. The special mission however are much rarer and you may need to play them a couple of times to get a perfect heist done. You will also need to do a lot of "homework" before you actually start taking action in these special jobs - to know the best way to move in and out and to go about the mission.
At the beginning of each job, you will be briefed on the job and get a list of Assets which are available and also ones you can buy and your loadout for this mission.

The missions will have minute circles under their names and they are colored in white and yellow. More yellow means more risk. And more risk means more exp and money -

You will get jobs with more difficulty, higher pay and experience as your level increases. Be careful which missions you choose or you'll be stuck in a hard mission unable to complete it. It's best if you can get acquainted with the game on smaller missions before you do any hard or special missions. Preferably, don't enter those until you are level on ten (which will make things very easy for you) and the skills you can obtain by then will also be of great help.

How to go about on a mission?

After you select a mission from the interface, several jobs will pop up on the map. You can select from these. After you choose your loadout and assets (they are described in detail in the sections below), you'll start the mission.

At the beginning, you are always unmasked and look like a civilian and your visibility is low - that is if you are wearing the suit and nothing else. If you wear any form of body armor then the visibility is high, meaning that the chances of being identified are greater. When unmasked, you are to do your "homework" of the place. You are supposed to look around and assess the situation before taking any action. This of course is only useful in the common missions, in the special missions this is of little use.

In the special mission, you'll get knowledge of the mission and heist by the assets which are with you. Also, for special missions you will need to experience the heist a couple of times before you can pull it off perfectly.

If you are on co-op mode, then each of your team member will need to pick a thing to do and go about doing that all the while - covering the backs of the team mates. If the mission involves carrying several bags or items to a get-away van nearby. Then it's best if you stack up all the loot on the floor and then take it one by one a small distance - like - move the stack to the next room and then to the next one and so on. To gain max exp you will need to loot as much as possible.

Inventory & Loadout

You gain inventory by purchasing unlocked items or by getting mods in the card choice at the end of each job. Items are unlocked depending on your current level.

More importantly, the loadout will consist of the things which you intend to take to a job, You cannot have your whole inventory with you for a job so you will need to choose a loadout and change it for jobs. Your loadout will consist of a Primary Weapon, Secondary Weapon, any form of Suit and additional items like a med-kit or ammo-bag or wire to bind hostages and trip mines and the like.

You should choose a different loadout by analyzing the mission which you are to do. You can select you primary, secondary weapons, equipment, armor, mask and character thru the inventory screens and they will appear in your loadout.

Experience, Payday and Difficulty

You gain a certain amount of experience for each heist you pull off. This experience is variable factor. Basically, to get more experience you will need to do as many things as possible in a heist - binding hostages, lotting additional stuff and so on - even killing cops should help a bit. When your experience reaches a threshold, you will level up which gives you a skill point. More on skills below.

Payday is the day you'll get money for the job - it's usually the last day of the mission and you have a different price for each mission.

Difficulty is calculated by the risk involved in doing the job - which is symbolized by the number of yellow circles under the name of the job on the map. As the difficulty increase, the guards will have armor on and are of higher quality and you may have lesser alternate entry points and the like. On higher difficulties, you may get cuffed in the middle of missions and have to wait 50-60 secs. Your mate may come in to rescue you though and the cuffing happens when you are crouched in front of an officer.

Assets for a mission

Assets are very important for a mission. The assets tab in the beginning of a mission hold what free assets you have and what assets you can buy. There's a certain skill which decreases the cost of all assets in the game.

Depending on the difficulty of the mission, you may need to buy all assets or they may not be needed at all. At higher difficulties, each asset provides valuable support. Some have intel you need or locations of key cards and ammo bags and also medkits and all kinds of stuff. Assets increase the likelihood of mission success.


You main source of intimidation and butt-kicking... You can hold two firearms at a single time - one Primary and a secondary. Secondary arms are pistols and SMGs and everything else come under Primary arms.

There's a skill which unlocks the usage of primary arms when you are shot down and about to be taken hostage - this can be useful along with another high level skill which revives you when you kill an enemy when you are shot down.

Needless to say, more advanced weapons unlock as you keep leveling up. More important are the attachments for these weapons. The most important attachment you need to have with your secondary weapon at all times is the noise suppressor - the silencer. It's invaluable to your efforts to be able to move around shooting and remain undetected.

In addition to weapons, you can also carry C4 and trip mines and other stuff which can be used accordingly in the game.

Scouting before masking!

This is a simple tactic - just move into a store or bank you are about to rob and note where the main loot is present and how many civilians are there and how many guards are present, where the entries and various exits are and so on.

Looking around each time is also important as the locations of certain things may change for each heist. Having a plan on where at what times is very helpful when the cops bust in.

Silent Killing Guards & Security Cams

You'll need a silenced weapon for this. Taking out a cam is easy - just shoot it and it's done. But beware that if a guard is around and he spots the broken cam, then the alarm will be raised immediately. You can alternatively find the security room and shut down the cams from inside.

Note that when you are skilled enough (After you buy enough skills I mean..) you can use certain skills to even intimidate lower level cops and security guards, just point the gun to them and hit F to ask them to get their hands up. This will make things much much easier as the game progresses.

When you kill a lone patrolling guard, the pager on him will be activated and some guy will call him in. When this happens the dead body will have a yellow outline indicating this. Get to the body and hold F to talk to the operator on the other end convince him that everything is fine. You will definitely need to talk to the operator everytime you kill someone or the alarm will be raised automatically. On a basic level, you can only do this twice and the third time you kill a guard, the operator will activate the alarm irrespective of what you say. You can actually buy a skill which makes you more persuasive with the operator and which gives you the chance to kill one more guard.

Also, in the GHOST mastery tree, you can gain the skills to use ECM Jammers which overload all electronic equipment for a short while - which means that cameras will not work for a little while and you can pass thru undetected.

Holding Hostages

This is the most important part of the mission, it may seem trivial but it will make things extremely simple and easy if you can hold and control hostages. By default, you'll have two wires to bind them.
You need to be masked first and then keep hitting F which makes your character shout at the civies to drop down. When they are down, they cannot do anything so make sure you make the civies drop down as soon as they detect you or they will raise the alarm. They will try to keep getting up and run away so one guy should always keep controlling them. The more civilians you have cowered, the tougher it will be for the cops to come directly at you.

The more hostages you have = more time you have to get the job done. The first thing you need to concentrate on when you start a heist is to take hostages. The rest of them, you need to control. If you are playing in Co-Op then it can be a good idea to make one of your mates devote himself on hostage-control - this can be very helpful on higher difficulties.

The cops will keep trying to release the hostages so don't let them, the hostages are like your insurance policy in the beginning.

Some times, your team mate can be caught by the police who will ask you to exchange a hostage for him. The hostage is then marked in yellow - note that this will be one of the hostages who was bound up.

Battling against the Enemies

This is the biggest challenge in the game, your enemies are in the form of Security Guards, Bouncers, Mall Cops, Cops, SWAT, FBI and so on as the difficulty increases.

You obviously need to be well equipped to fight the bigger forces. The cops rush in immediately when an alarm is triggered and other forces follow them. You need to get some hostages in the beginning to slow them down a bit. You may face special RISK teams and also Shielded enemies. You definitely need help from a team mate to take down the shield guys.

Anyway, if you are inside a place and expect the cops to use a certain entrance then just place a trip mine there and watch the fun. They keep arriving in waves which may have 12-20 cops in them. You will see a "Cops Assaulting" scroll to the top right of the screen when this happens. After you take the lot of them out, the assault stops for a certain while so you get a breather. But the will be back in a little back in another way.

You will also see snipers on rooftops - you can use any weapon to take them down the all guns have large range (magically!) in the game.

The cops additionally try to take your loot bags and hostages - you need to prevent them from doing so. If they take the loot bag then they will place it in the center of their spawn area which is usually filled with the lot of them.

You can also surrender to them by crouching in front of them and you'll be handcuffed and you have a time counter after which the cuffs come off or a team mate of yours can also come to you and release you - this can be a useful tactic to avoid getting killed when you are along in a place surrounded by cops and the imminence of going into custody after being shot.


Another important point. You can revive your team mates and vice-versa when someone goes down. Alternatively, you can use med-kits to get back your lost health.

You ought to revive a teammate before they can get into custody after which they will have to spend a certain amount of time before they get back into the game and this can get crucial in the higher difficulties.

Visibility & Mobility

Your Visibility is determined by what you are wearing. The simple suit has the lowest visibility which means that you can move around without raising much suspicion. The heavier suits have greater visibility and the heavier they are, the most visibility they have and the easier you will be detected.

Mobility on the other hand also depends on what you are carrying. You can sprint for a short while and this sprint distance and time is crucial on high difficulty missions where you can run away instead of facing a dozen policemen. When you carry something, depending on what and how much you are carrying, your speed decreases and for heavier items, you may not be able to even run. You can increase your stamina using a skill and also strength to carry heavier items while running.

Drilling / Sawing

You will have a drill with you from the beginning of the game. You can use it on safes and doors. But the problem with these things is that they fail randomly and you need to reactivate them. They need a lot of time to drill thru also so you will have a lot of time and you need to keep watching it for failure. If you are away from it then you can see that it is highlighted in yellow thru the wall, signifying that the drill is broke. As the game progresses, you ought to use lesser of the drill and more of other methods.

Sawing allows you to open ATM machines and bars of metal. You can only get the saw after you buy the skill - it's very useful mind you!

Mine Tripping / C4

You can place mines on the ground and they will explode when cops step on it - simple. With C4 - which you get after you buy the skill. You can blow open safes and doors which will decrease your play time radically - great!!! or you will need to wait for a long time for the drills to do their work!


Keycards give you access to rooms which have been electronically locked. You can find cards on tables of manager's offices or any such places and also on some guards - you need to kill the guards to get their card though.

Med-Bags & Ammo-Bags

Life savers!!! - simple!!!

Buy extra from the assets list before a mission and carry one with you at all times depending on your need. You can deploy them on the floor holding G.

If you buy them from the assets then you will be shown the location of the bag.

Skills -

You get one skill point to spend each time you level up and you can spend the point in one of four skill masteries...

THe best way to balance things out will be to have one guy with one mastery area fully mastered in your team. For single players, well it's your choice how you want to develop your character. It can also be a good thing even in co-op teams to have guys with different skills anyway. You can also, at any time re-spec you skills from any of the masteries by hitting the "Respec this Skill Tree" option in the skills menu. It will cost you 350$ to do that but single players should use this to gain mastery overo ne important skill depending on the job which you plan to do next.

Just go thru all of the options available to you and select a skill of your choice then.
The Mastermind is a manipulative leader who excels in situation control.
The Enforcer is a violent criminal who is usually employed by crime syndicates to execute jobs no one else can.
The technician is an expert in the practical application of criminal science, enjoying things that go BOOM!
The Ghost is a stealth artist capable of Grand Theft without force or violence.

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