Frequently-Asked Questions About Payday 3

Payday 3 is a fast-paced co-op shooter that lets players carry out daring heists. Whether you’re playing with friends or strangers, this pulse-pounding game lets you enjoy all the thrill and danger of a life of crime without any actual risk of ending up dead or in jail.


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Related: Payday 3: Everything You Need To Know About Hostages

Getting a team together can present some logistical issues in any multiplayer game, so we’ve taken the liberty of answering some of the most-searched questions for players hoping to breach some bank vaults and escape with stacks of cash. If you’ve got questions, we’ve got answers!

Updated on September 27, 2023 by Matt Arnold: Payday 3 has been out for a little less than a week, so we’ve rounded up some of the most common gameplay questions from players and added them to this FAQ!


Can You Play Payday 3 Single-Player?

setting the lobby to invite only in payday 3

Payday 3 is designed to be a multiplayer game with up to four on a team. However, if you want to practice a heist on your own or just don’t feel like getting a group together, it’s possible to create a lobby just for yourself.

When starting a heist, set the lobby type to Invite Only. This ensures that nobody can join your lobby without you directly inviting them in. You’ll be sent to a lobby as normal, and the other three player slots will be taken by AI bots.

You can also set the lobby type to Friends Only. This will allow only players on your Friends List for the current platform to join, even without an invite.

Some challenges in Payday 3, such as disabling all the dye packs in the bank vault, cannot be accomplished alone. Solo players won’t usually be able to get the maximum possible loot from a given heist.

Payday 3 is online-only, meaning that if you can’t reach the game’s servers, you won’t be able to play, even solo.

Does Payday 3 Support Cross Progression?

shayu is reunited with the gang in payday 3

Players log into Payday 3 through Nebula, Starbreeze Studios’ matchmaking service. If you have the game on multiple platforms, all you have to do is log into the same Nebula account to access all your gear, perks, and progression.

This can be easily done by linking all your platform accounts to Nebula the first time you log in. You can do so from the login screen.

Related: Payday 3: Edge, Rush, And Grit, Explained

Does Payday 3 Support Crossplay?

Payday 3 using the Overkill grenade launcher weapon in the training mode to blow up the SWAT team

Crossplay between platforms is available in Payday 3. When you first start up the game, you’ll be asked if you want to enable crossplay. If you have friends on different platforms, or if you intend to play on multiple platforms yourself, it’s a good idea to turn crossplay on.

You can change whether crossplay is enabled from the Gameplay tab in the Settings menu.

If you know you’ll only be playing with teammates on the same platform, you can turn crossplay off. This can help keep your team consistent, since you’ll all be using the same input (mouse and keyboard or controller) and can limit the risk of lag or disconnections if everyone is using the same service platform.

How Many Cameras Can You Destroy?

the player marks a camera's location on the roof of scb bank in payday 3

In previous Payday games, security would get suspicious if you destroyed too many cameras. That is no longer the case, and shooting a camera with a silenced weapon will keep you from being detected.

However, guards will notice a destroyed camera if they walk past one, which can trigger a search or even an alarm. It’s best to leave cameras in place if they’re on an active patrol route. Alternately, you can use ECM Jammers or skills from the Hacker tree to disrupt and disable cameras without anyone knowing.

What Is The Final Charge?

a bulldozer fires at a player from the stairs to the nightclub vip area in payday 3

Normally, a police assault will come in waves; every few minutes, enemies will stop entering the area as the cops regroup. This is also an opportunity for players to heal up, refill their ammo, and trade hostages for medkits.

Once the players are on the final objective, however, the next police assault will become the final charge. From this point, the police will no longer stop attacking. Players must face a constant stream of enemies, including elite foes like Bulldozers and Cloakers, until they escape or are apprehended.

Next: Payday 3: How To Rob SCB Bank

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