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Tyler "Ty" Morgan (Jack Derges), Sean "Mac" McAlister (David Ajala), Jessica "Jess" Miller (Jessica Madsen) and mechanic Ravindra "Rav" Chaudhry (Ramon Tikaram) are part of a crew in Silver Rock, Fortune Valley. Fixer Lina Navarro (Dominique Tipper) tasks them with stealing a precious Koenigsegg Regera belonging to Marcus "The Gambler" Weir. However, as Tyler arrives at the drop point, he finds Rav knocked out. Lina appears, revealing that she set up Tyler and his crew to take the fall for the stolen car and she drives away, leaving them at the mercy of the oncoming police force. Upon learning that Lina betrayed both of them, Weir protects Tyler from being arrested, planning their revenge.
Six months later, Tyler spots Lina threatening Weir to hand over the casino to The House, a cartel who controls Fortune Valley's underworld. Frustrated at the lack of progress, he decides to take matters into his own hands. Contacting The House as a racer, he enters a race and wins it, despite Lina having rigged the race for profit. Weir proposes Tyler a way to take down The House and Lina along with it. Tyler is to enter and win "The Outlaw's Rush", a massive street racing event that has the nation's top racers participating, which The House plans to rig for their own ends. Tyler reassembles his old crew and they successfully defeat all rivaling racing leagues and are thus allowed to enter "The Outlaw's Rush". Simultaneously, Jess infiltrates the House and learns of their plans to take over the entire city.
At "The Outlaw's Rush", Tyler manages to win both the street and the offroad event with the help of all the race crews they allied with during the game, and in the end, defeats Navarro herself. Thus, Navarro and "The Collector" are defeated and the House's hold over Silver Rock is broken.
In a post-credits scene, Mr. Kobashi, a customer whom Jess had driven, calls Weir and tells him his gamble worked, and that "The Collector" is finished. He welcomes Weir to Arkwright, the true power behind the House.
In January 2016, Ghost Games began development on the next Need for Speed game to be released in 2017.[5] Electronic Arts later confirmed in their January 2017 earnings call that the next game in the franchise was in development and set to be launched during EA's fiscal year 2018 (Comprising from April 2017 to March 2018).
| Aggregator | Score |
|---|---|
| Metacritic | (PC) 62/100[7] (PS4) 61/100[8] (XONE) 61/100[9] |
| Publication | Score |
|---|---|
| EGM | 2/10[10] |
| GameSpot | 5/10[11] |
| GamesRadar+ |    [12] |
| IGN | 5.9/10[13] |
| Polygon | 6.5/10[14] |
Need for Speed Payback received "mixed or average" reviews from critics, according to review aggregator Metacritic.[8][9][7]
Luke Reilly of IGN praised Electronic Arts for repairing the problems of the game's predecessor, Need for Speed, but criticized its "scripted" story, lack of police chases during free roam, scripted police chases, loot box-like mechanisms during customization, poor car handling, unrealistic car damage and several other issues.[13] PC World criticized the game for being full of microtransactions, the severely limited customizability of cars, gameplay mechanics, a lack of cockpit view and several more issues, and compared it harshly to the Forza Horizon series.[15]
According to The NPD Group, Payback was the eighth best-selling title in the United States in November 2017.[16]
