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PAYDAY 3 Pros and Cons: Is It Worth Playing Now?

The September 2026 update includes previously paid heists in PAYDAY 3’s base game, but co-op requirements, a paid Crimebond, and listed issues are still worth weighing.
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PAYDAY 3 is a more complete purchase than it was at launch, especially for players who want co-op heists: as of the September 2026 anniversary update, every previously sold heist DLC is included in the base game. The update also adds a story campaign framing the heists and new ways to customize and test weapon builds. The main cautions are its one-to-four-player co-op focus, a separate paid Crimebond, and issues still listed in the official update notes.

What changed in PAYDAY 3?

The September 2026 anniversary update changed the value proposition substantially. Starbreeze says all previously separate paid heist DLC became part of the base game at no additional cost and without changing the base price. This applies to heist DLC, not every cosmetic or themed add-on. The studio’s September 23, 2026 announcement describes the change; the Update 3.9 changelog, dated September 21, 2026, says players can now play all the game’s heists.

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That makes the current base package broader than the older model, where access to separately sold heists could depend on ownership. It also reduces heist-DLC ownership as a potential reason friends’ lobbies would be split.

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PAYDAY 3 pros

A fuller set of heists in the base game

For someone buying now or returning after a long break, the clearest advantage is that the previously paid heists are folded into the base game. You can explore that heist catalogue without buying each of those DLC packs separately.

#1 Best Overall
Payday 3 - PlayStation 5
  • The Tightest Crew - The legendary Payday Crew, dreaded by the law and underworld alike, is back. Ripped from their peaceful retirement to rejoin the criminal world by a new threat, one born from the chaos the Crew left in their wake.
  • Give in to your greed - Give outlet to your greed and let loose in PAYDAY 3. In addition to gold, cash and jewelry and any other valuables they might come across, you’ll be able to build a sizable collection of weapons, cosmetics and accolades.
  • In PAYDAY 3 the choice is put in the hands of the players, deciding how to tackle the heist, whether you sneak or go in guns blazing, whether you let your hostages go or keep them around as pawns, whether you go at it alone or bring friends.
  • Thrive in Co-op - Not just anyone is worthy of standing at your side for something as important as a heist. Likewise, PAYDAY 3 is best enjoyed with close friends in mind, whether you bring them from your childhood or make them along the road.
  • Pre-order the Standard Edition in order to get The Trifecta Lootbag, including the Obsidian Glitz outfit and Venomous Verdigris mask.

A campaign that connects the heists

Update 3.9 adds story framing around the heists, including context for Shade’s relationship with the gang. That gives the missions a connecting narrative structure; it does not, by itself, establish how compelling the story will be for an individual player.

More tools for experimenting with builds

The anniversary update adds weapon-class perks, makes previously weapon-specific mods shareable, and allows customization of Overkill weapons. A shooting range gives players a place to test configurations. Together, those changes give loadout-focused players more ways to adjust and try builds without treating every weapon setup as fixed.

A continuing update program

Starbreeze says it delivered a substantive update every month in the year leading up to the anniversary. The studio cites Skills 2.0, a heist, reworked heists, onboarding and interface changes, and an Unreal Engine 5.5 upgrade among that work. This is the developer’s account of its update cadence and scope, not a guarantee about future release frequency.

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PAYDAY 3 cons and caveats

It is designed around co-op

Steam describes PAYDAY 3 as a one-to-four-player co-op FPS. That makes coordinated play with friends or other players a central part of its pitch. The available source information does not establish current offline or solo functionality well enough to promise that the game suits someone who wants a wholly solo or offline experience. Check the current requirements for your platform before buying. Steam’s PAYDAY 3 listing also identifies a Starbreeze Nebula third-party account requirement; confirm whether that requirement applies to your chosen platform and current version.

Not every addition is included

Free inclusion of the earlier heist DLC does not mean every new content pack is free. Starbreeze announced the Brute Force Crimebond for $9.99 in September 2026 as a separate themed content pack. That is the announced price at that time, not a guarantee of the current price; check your store listing before purchase.

Some problems were still on the official issue list

The Update 3.9 changelog lists issues including outdated objectives or subtitles in Boys in Blue, Fear & Greed, and Syntax Error; an interaction between a Haymaker perk and the Hidden Blade skill that can consume a throwing knife without killing the enemy; and unclear descriptions of equipped and persistent weapon perks. It also lists interface and customization bugs. This is a dated developer list, not a complete independent bug audit, and later 3.9.1 or 3.9.2 hotfixes may have changed individual issues. The official changelog links those hotfixes.

Rank #4
DEEP SILVER Payday 3 - Day One Edition (PS5)
  • Durable
  • Flexible design
  • robustness

Mods may stop working after updates

The official changelog warns that updates can be incompatible with installed mods and recommends removing mods when troubleshooting. If a problem appears after an update, test the game without mods before assuming the base game itself is the cause.

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Who is PAYDAY 3 worth considering for?

  • Co-op heist fans: The expanded included heist catalogue and build options make the game more appealing if you want missions to tackle with a group.
  • Returning PAYDAY 3 players: The campaign framing and update additions offer reasons to revisit it, while the official issue list is a reminder to check current patch notes if a particular bug matters to you.
  • Players who mainly want solo or offline play: Verify platform-specific requirements and functionality first; the available listing characterizes the game as co-op, and the cited sources do not settle the current solo/offline details.
  • Players wary of add-on spending: The former paid heists are included, but the Brute Force Crimebond demonstrates that separate paid content remains.

What the player-base and review figures do—and do not—show

Starbreeze reported that PAYDAY 3’s player base jumped “three times over” when the anniversary update went live, without specifying the measurement method or baseline. The company also said Steam reviews passed 72 percent positive in summer 2026 and had held there. These are studio-reported, dated signals—not a live player count or an independently verified current rating. Starbreeze’s separate figures of more than 500 million players and over $400 million in lifetime gross revenue refer to the PAYDAY franchise across PC, console, and user-generated-content platforms, not PAYDAY 3 alone.

Quick Recap

Bestseller No. 1
Bestseller No. 2
Bestseller No. 3
Payday 2 - Playstation 3
Payday 2 - Playstation 3
Payday 2 PS3
$9.99
Bestseller No. 4
DEEP SILVER Payday 3 - Day One Edition (PS5)
DEEP SILVER Payday 3 - Day One Edition (PS5)
Durable; Flexible design; robustness
$23.39
Bestseller No. 5
PAYDAY 3 Day One Edition (Xbox Series X)
PAYDAY 3 Day One Edition (Xbox Series X)
The crime-ridden world of PAYDAY feels more vivid and realistic than ever before
$14.00
Best Value
PAYDAY 3 Day One Edition (Xbox Series X)
  • The crime-ridden world of PAYDAY feels more vivid and realistic than ever before
  • The Payday gang always has everything needed for work, including new dedicated phones, mini cameras and stun mines
  • Co-op Fun – Not everyone deserves to be by your side with something important like a robbery
  • Day One Edition: The Game and "The Trifecta Lootbag", DLC (The Obsidian Glitz outfit + Venomous Verdigris mask)

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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