Payday 2 Multiplayer Guide
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Make the big score with some Payday 2 tips and tricks on our cooperative multiplayer guide. Don’t be a complete newbie, see what the goal of each heist is, where to go, and what to do to maintain control of the situation. Never go into a stickup blind.
Not every robbery goes bad in Payday 2. Sometimes the sneaky gang of four thieves can get the cash and get out before the cops arrive. But when the cops do come, they come in force. Taking hostages is only the first step — if your getaway driver gets shot, things get even worse. See how to avoid suicide-by-cop with some of our heist strategies below.
Aiming for 100% completion? Check out the Payday 2 achievements or trophies to see how steep the challenges get, or browse the Payday 2 cheats list for all the extras and articles on Overkill’s cooperative online FPS.
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General Strategy Tips
As soon as you begin a heist in any room, locate all the civilians so you can get them on the ground and tie their hands. This will lower the chances of them catching a bullet in any crossfire that might occur, thus resulting in a reduction of your pay from cleaning costs.
The east way to avoid the security cameras is to stand directly beneath them when putting on your mask and then destroy them with a quick upward gunshot from a silenced pistol.
After knocking out a security guard or police officer, be sure to check the body so you can answer their pager in case the person on the other end is asking for a status update. If the pager goes unanswered, an alarm might be raised.
When drilling into a safe, stay crouched down behind cover somewhere nearby the machine so that you can restart it each time it sporadically shuts off.
You can stuff bodies or prisoners into bags and carry them to back rooms or alleys where they will remain unseen.
When approaching a downed teammate, try to take a partner along if possible so one of you can revive the injured man and the other can stand guard to protect his allies from enemy fire.
When facing off against shielded enemies, try to work as a team so that one acts as a distraction and the other one moves around beside or behind to target the exposed body.
If one of your teammates is taken into custody, you can trade one of the hostages acquired during the heist in exchange for his freedom.
You can take an enemy already firing his weapon as a hostage by moving in at close-range, putting a single round into one of the enemy’s limbs to temporarily stun him and then demanding that he get on the floor.
Four Stores
There are two safes in the Pear Store. One is located behind the first counter on the left upon entering the building and the other is on the wall behind the door in the break room.
There is one security guard patrolling the Pear Store, and you can easily ambush this threat by following him into the break room and knocking him out from behind.
The security camera in the Pear Store is located in the lower left corner of the customer area upon entering the building.
Should you raise the alarm in the Pear Store, take cover inside the break room or behind the counter furthest towards the back in the customer area and keep your weapon pointed at the entrance to fend off the police.
A quick escape can be made from the Pear Store by shattering the window in the back left corner of the customer area and exiting through it into the alley on the other side.
After escaping the Pear Store, a quick transition can be made to the convenience store by entering the building across from you via the window.
You’ll find $1,000 in the convenience store’s cash register.
The security camera in the convenience store is located above the windows beside the cash register.
After escaping the convenience store through the back window, a quick transition can be made to the coffee shop by making a left into the next narrow alleyway and following it around to enter the building directly across the street.
You’ll find $1,000 in the coffee shop’s cash register and the safe is located on top of the shelf to the right of that beside the microwaves.
When fending off the police in the coffee shop, take cover behind the counter amongst the food shelves and shift your gaze repeatedly between the two entrances in front of you.
When defending the chinese restaurant from a police assault, stand in the rightmost doorway across from the taxi cab and use the surrounding walls as cover to eliminate the officers occupying the streets.
There are two security cameras in the chinese restaurant. One is located in break room at the back left corner of the dining area upon entering the building and the other is positioned above the right cash register on the right.
There are two safes in the chinese restaurant. One is located the small back room adjacent to the cash registers and the other is beneath the register on the left. The same small back room also has contains a cash register drawer with $1300 inside of it.
The best way to escape the chinese restaurant is by entering the back room adjacent to the cash registers, picking the lock on the back door and exiting into the alley behind the building.
Watchdogs
Day 1
As soon as the rear truck door opens, open fire on the line of police outside by sweeping your weapon from side-to-side and sprint into cover behind the piles of crates on the left.
Once you are in cover, turn back around to clear out the nearby police and make a break for the staircase in front of the truck, so you can find shelter in the room on the left at the top.
When you enter the room at the top of the first staircase in front of the truck, smash out all three windows so that you now have a clear line of sight to snipe the officers on the ground below and on the rooftop across the way.
You can dig in for a long time in the room at the top of the first staircase, by repeatedly alternating between windows to clear out the police approaching from various directions and by ducking down every so often to reload or heal.
When tossing the coke bags into the pick-up truck, stand on the window sill to look straight down into the bed and drop the bags to ensure they hit their mark.
The simplest way to escape from the second floor of the warehouse is by taking the direct approach. Sprint back down the previous staircase to head towards the line of police cars behind the truck and turn left on the sidewalk to take cover around the wooden crates, then take a moment to pick off whatever enemies you can and proceed towards the objective marker by moving low alongside the various vehicles.
In order to escape by truck, you’ll need to reach the getaway driver quickly and protect the vehicle before the police are able to kill him. If the driver is killed, you’ll need to find a safe location to dig into until a helicopter arrives and you can approach it to escape.
Day 2
As soon as the heist begins, run out in front of the opening in the wall on the right and eliminate whatever police you see with a quick burst of gunfire.
After collecting the bags, split up the team between the opening in the fence on the left and the opening in the fence on the right so that the police in pursuit will be forced into confusion upon entering the maze of shipping containers ahead.
Drop your bags near the building’s entrance in the left corner and turn around to defend the area by hiding behind the containers or vehicles in the near vicinity, then wait for the helicopter to arrive and try to shoot the swat team inside before they can descend to the ground.
When you exit out the back of the building, stay under the overhang to take cover behind the pillars and wait for the enemies to appear on top of the containers in the ship in front of you.
Drop the bags behind the warehouse and re-enter the building to continue defending it from the top of the staircase on the left.
Once you’ve dropped the first group of bags into the loot boat, stand back to back as team behind the nearby shipping container and eliminate any hostile that comes around the corner or appears on a ledge above.
Move as a team to retrieve the second group of bags and drop them back at the edge of the dock where you previously met with the loot boat, then defend the area until it comes to make another pick up.
Rats
Day 1
When approaching the house from the driveway, you can find a safe entry point by moving around the left side of the building and dropping down the adjacent steps to enter the basement below.
You’ll find the caustic acid containers and the planks on either side of the refrigerator in the basement.
When climbing the stairs to the second floors, immediately turn around towards the right at the top to eliminate the enemy standing by the doorway in the corner.
In order to make the meth production go quicker, try to only eliminate the armed enemies during your siege of the second floor and leave the men wearing yellow suits alive as they have more experience with cooking.
Once you have control of the second floor, approach the broken windows to board them up and secure the house even further in preparation for having to defend it.
When defending the second floor of the house, the best place to post up is at the top of the staircase and aim your weapon at the bottom step to eliminate the enemies approaching from below.
If you are equipped with a laser tripwire, place it on the second floor balcony outside so that the beam completely blocks the pathway to the door.
As long as your team remains upstairs, you can also defend the house from behind the kitchen counter on the first floor.
During the third round of cooking meth, remain on the outside balcony to guard the door and stand your ground no matter what since you will still be able to take advantage of the bottlenecked walkway even after being gunned down.
When the required amount of meth has been collected, a simple escape from the house can be made by exiting through the door diagonally opposite from the kitchen area on the first floor and by moving forward around the right side of the nearby shed to drop onto the next pathway below, then follow it around to reach the street at the end and approach the van beside you
Day 2
The first way to complete this mission is the simplest as long as you have the required number of meth bags and can resist firing your weapon. All you have to do is drop the meth off at the pick-up truck, ascend to the second floor of the indicated building, retrieve the information from the gang leader and return to the escape van.
The second way to complete this mission is by returning to the pick-up truck after receiving the information and positioning the rest of the team at the back of it, then aim your weapon at the two nearest thugs and have your men start stealing the meth back. Pick off the two guards and duck behind the pickup truck to avoid gunfire coming from the previous building, then quickly sprint back to the escape van without being killed.
The third way to complete this mission is by quickly mowing down the men at the pick-up truck and using the vehicle as cover to open fire on the rest of the enemies that emerge from the building’s entrance ahead, then enter the hideout as a team to clear the hallways and staircases until you can secure the office at the top. Hold down the office by guarding the doorway or firing down out of the windows until you can retrieve the information from the safe and escape back to the van.
Day 3
When the mission begins, move forward along the sidewalk between the railings on the left and stay crouched down to approach the bus ahead without drawing any gunfire.
Attack the bus from behind the surrounding railings by firing through the windows and positioning team members on the other side for the sake of thoroughness, then enter the vehicle after clearing it to open the suitcases on the seats and collect the money inside.
Make sure you have the codes before taking the money on the bus, because they’re necessary for defusing the C4 devices hidden beneath the piles of cash.
Stay crouched down and avoid the doorways the entire time you occupy the bus to avoid being fired on from outside.
Once it’s time to escape and exit the bus, stay low to travel back down the sidewalk between the railings that line the bridge and toss each one of the money bags ahead of you as you go to transport them safely.
Wait for the first opening in the railing ahead to to take cover around the adjacent car and fire on any approaching policemen to clear the bridge.
Work as a team so that while two of you are using the cars on the bridge as cover, the other two are transporting the money bags down the sidewalk and into the helicopter at the end.
Bank Heist
You can enter the bank from its rear parking lot by cutting through the chain link fence and using the open doorway by the trashcans.
There is also a silver door towards the right side of the building that can be jimmied open to enter the main bank floor from an adjacent office area.
There are security cameras located in the corner above the rear entrance of the bank by the trashcans, to the left of the walk-in safe’s door, next to the clock across from the teller window.
Behind the tellers, you’ll find stacks of cash in the narrow boxes that line the wall.
You’ll find planks for boarding up the windows available beneath the security camera that overlooks the rear entrance.
The bank’s rooftop can be reached by climbing the steps to the right of the rear entrance.
The thermal drill is located in the bed of pick up truck in the back of the parking lot.
One way to remove the security guards quietly is by standing by the back entrance and waiting from them to approach, then tie their hands and carry the body into the parking lot. By enacting this plan, you will also have to watch the sidewalk through the nearby chain-link fence and capture any civilians that walk past as well to avoid suspicion.
Before drilling into the safe, you’ll need to clear the teller room across from it first. You can do this quickly by sending the three members of the team into the front of the bank to handle the customers, then ambush the tellers by sprinting up from behind and telling them, plus anyone through the glass, to hit the floor.
During the drilling process, you should have someone stand beside the front entrance so they can subdue any civilians or enforcement figures as soon as they can walk through the door.
When picking the deposit boxes inside the safe, the process might run more efficiently if you split up the team so that while two men are searching for the money, the other two are guarding the rear and front entrances to the bank.
Once the deposit boxes have been looted, the easiest escape can be achieved by making a right turn out of the bank’s rear entrance so that you can circle around to the front of the parking lot and use the nearby sign as cover before crossing the street to enter the van in the alley on the other side.
Nightclub
The simplest way to enter the club is by approaching the bouncer at the entrance and waiting until he finally decides to wave you through the front doors.
To put on your mask and start your heist as covertly as possible, use the staff door beside the bar to cross through the kitchen and enter the stock room to hide behind the shelves in the back left corner. Once the heist begins, you can remain in this location to ambush enemies that pass through the room and hide their bodies in the adjacent alley outside.
It is easier to drill through the boss’ door in the storage room rather than acquiring the keycard, since you can keep an eye on the process from behind the shelves in the corner and deal with any threats that enter the room quietly.
If you enter the kitchen from the left side of the bar, move through the doorway in the opposite right corner to discover an illegal poker game and take the participants hostage to steal the money off the table.
To quickly acquire the keycard for the boss’ office, immediately ambush the illegal poker game upon entering the nightclub and search the body of the man wearing a black leather jacket after capturing or killing him.
Unless you find multiple guards in the boss’ office, one of the best ways to secure this area is by crouching near the top of the staircase with a silenced pistol and wait for everyone to be distracted before popping up to quietly take them hostage or score a few headshots if necessary.
Aside from the safe in the boss’ office, you’ll also find stacks of cash scattered across the desk beside it.
Once you’ve started drilling into the safe, cross to the opposite corner of the office so you can turn around to monitor any malfunctions and keep watch for enemies ascending the staircase.
If the police are called as you drill into the office safe, you’ll need to also keep watch on the skylight in room for swat members that coming crashing through the glass from above.
After you’ve finished cracking the safe and the van has arrived downstairs, place all of the money bags directly in front of the window above the vehicle so you can transport them out of the office as quickly as possible once the glass is broken and the alarm is inevitably raised.
The quickest escape that can be made from the boss’ office is by specifically jumping out the right corner of the window that overlooks the dance floor, smashing through the pane of glass in front of you to exit out the front entrance on the other side and sprinting into the alley across the street to reach the van.
Framing Frame
Day 1
Once the mission begins, you can gain quick entrance into the gallery by moving down the pathway that runs along the far right side of building and pick the lock of the first door on the left beside the bottom of the staircase to enter the bathroom inside.
Stay low the entire time you occupy the museum, unless the guard staff has already been subdued, and look both ways out of every doorway you exit to avoid being spotted by enemies patrolling the halls.
The best way to disable the security force is by drawing each one of them into the bathroom and taking them hostage or hiding behind the display walls in the gallery areas and eliminating guards as they come around corners with your silencer.
After downing each security guard, hide the bodies in the bathroom if possible and patch Bain through on their pagers to avoid raising suspicion.
Make sure you are only taking the art marked with red labels, because tampering with the other paintings will result in security bars coming down to protect all the pieces in the gallery. If this occurs, have the enforcer on your team use a saw to cut through the bars.
After removing each painting from the gallery, toss it into the bathroom until you are ready to make your escape out the rear door.
Day 3
Have one member of the team interact with the laptop on the roof, while the others enter the apartment, then use the security camera feed to guide your allies past the guards or behind them for a silent kill and look for the necessary electronic items to highlight them in yellow.
The more paintings you stole on Day 1 and transferred on Day 2, the more camera feeds you’ll find available on Day 3
Rather than try to resolve this heist without conflict, you should eliminate the entire security force first so that there is plenty of freedom around the loft to complete the rest of the objectives
To find the hidden vault door on the top floor of the loft, look for the white and grey display shelf with two black bowls on top of it and make a right to activate the sliding bookcase at the end of the hall.
When transporting the gold out of the safe, work as a team so that one person is filling and tossing the bags while the other deactivates the red laser grid blocking the door each time it pops back on again.
Mallcrasher
Since this mission is built around causing as much damage as possible in as little time as possible, send each teammate to a different location within the mall before the masks are put on and meet back up as a group once the four locations have been trashed to prepare for the oncoming police assault.
Any player equipped with a saw has the ability to cut open the ATM machines and collect the cash inside.
Once the heist begins, use the enclosed stairwells to travel between the floors rather than the escalators to avoid exposure to police gunfire at all costs.
Look for locations with tons of breakable objects, such as the liquor store, then plant a trip wire somewhere near the merchandise or display cases and shoot the device to cause massive damage with an efficient explosion.
Use melee attacks to destroy the larger pieces of glass and save your bullets for fighting off the cops or causing destruction to more resilient property.
Look behind the counters in each store you enter to root through the cash registers and drill any safes that may be located there.
Rather than constantly doing battle with the police wave that arrives, you can also retreat from them by ducking into a store that hasn’t been trashed yet and remaining behind cover so that the missed shots the officers take only add to the destruction.
When defending yourself from the police assault, it is better to remain on the second floor for as long as possible since it supplies you with the high-ground advantage and you can pick off most of the officers during their ascent before they can reach the top of the surrounding escalators.
One of the best places to drop ammo or health bags is in the car display area on the second floor, because it’s easy to find if you need to find it quickly and the area behind the vehicle provides excellent protection while you take a moment to recover.
Once the police start arriving, watch the skylight above to defend yourself against any swat members who come crashing down through the glass.
When waiting for the helicopter’s arrival, take refuge in the room at the top of the enclosed stairwells to cover both entrances into this area with the help of teamwork and trip wires.
The worst place to take cover is the gym, because the objects inside offer minimum amounts of cover and it has a high number of opening for the police to rush or fire through.
Ukrainian Job/Jewelry Store
Entering through the front door of the jewelry store will set off a metal detector and immediately activate the burglary alarm.
Turn right from the jewelry store’s entrance to travel along the sidewalk and pass through the next open doorway on the left, then exit out the other end of the corridor to follow the alley ahead and covertly approach the back of the building as a means of entry.
You can gain access to the jewelry store from the back alley area by looking for a room on the inside that has only one occupant, pointing your gun through the glass to take that person hostage and jimmying the lock on the window to enter the building.
In the security rooms at the back of the store, you can access the camera feed to scan the areas inside and outside of the building for any additional threats that need to be removed.
Try to secure all of the offices in the jewelry store, before actually entering the building, by approaching each window and ordering the person on the other side to hit the ground, then you can climb inside to disrupt the electronic security with a jammer and take control of the selling floor with greater ease.
Once the building has been secured, search the surrounding rooms to find all of the safes and set drills on all of them at once so they are cracked at the same time.
When you’ve acquired the tiara or necessary amount of cash, escape from the store by jumping out one of the rear windows that faces the alley and make a right through the next building’s lobby to turn left in the street.
This heist can be completed in under a few minutes by sprinting straight into the store with guns blazing and by cracking the safes with C4 instead of the drills.
Firestarter
Day 1
After cutting through the fence, look up towards the top of the building on the right to pick off the first guard with your silencer as you descend the darkened hillside and jump onto it to survey the area ahead by looking down over the side of the roof.
Make a right u-turn at the first blue trailer to descend the steps in the corner ahead and follow the alley around to make your next left up another set of stairs, then flank the guards in the area at the top to remove them safely.
Upon finding the weapons in the correct hangar, you have the choice of either stealing them or destroying them. To destroy the weapons, ignite the nearby fuel to cause a fire and toss them into the flames.
During the time it takes to either steal or burn the weapons, move between the cluster of cars in the surrounding area as a means of cover to fend off the constantly approaching wave of enemies.
Day 2
To enter the office building in a covert manner, vault over the hedges to the right of the entrance and jimmy open the locked door on the other side.
Another way into the office is by approaching the left side of the building from the start, cutting through the fence and pick the lock of the door in the corner ahead to the right.
Once you’ve broken into the server room and started drilling through the security door or barrier behind it, crouch down in a corner that faces and deploy a health or ammo bag nearby to prepare to defend the device until it’s finished the job.
If a police assault is inevitable while you are drilling through the various security measures, they are mostly likely to approach from the courtyard area along the side of the building’s exterior which is narrow enough to be successfully defended with a shotgun and trip wires.
Pick the locked door on the left side of the building’s first floor to drill or blow through the gate behind it and steal the stacks of cash from within to increase your income at the end of this heist even further.
If you work as a team, the upstairs corridors are ideal for fending off the police invasion by setting tripwires and initiating flanking maneuvers by dashing straight through the windows of an office to suddenly attack enemies around the next corner.
The easiest escape route from this location is found by exiting into the side courtyard on the first floor and sprinting across the street ahead to reach the van on the other side.
Day 3
Reference the hints and tips laid out on the Bank Heist page of this guide, since the locations and missions are nearly identical in nature.
Once the vault door initially proves to be electrified, you’ll need to ascend to the roof of the bank and break into the secured room at the top to shut off the power.
Search all of the safet deposit boxes inside the vault to eventually find a bag of gold and bring it back to the van to cash it in at the end of the heist.
Big Oil
Day 1
To reach the house without stepping on any land mines, make a left as soon as you pass through the gate ahead and hug the outside wall to approach the back of the building and enter it via the rear porch.
The Shotgun may be a preferable weapon choice for this heist as it will come in handy for eliminating the gang members within the close confines of the house you have to clear.
There is a make-shift security station on the second floor of the house where you can hack into the various camera feeds and survey the surrounding area for tactical planning.
If you are able to complete this mission with total stealth, you’ll be able to collect vital assets for the heist on Day before the bikers are able to burn them. There are three assets located on the balcony’s table, in the room at the top of the stars on the second floor and in the room above the garage on the first floor.
A safe escape can be made from the house by descending into the garage, following the driveway uphill to pass through the open gate at the top and approaching the nearby van on the right.
Day 2
To enter the building as covertly as possible: Move forward up the road in front of you to take the next path ahead on the left and stay low as you follow it around to reach the back of the house, then take out the nearest patrolling guard from behind with your silencer and walk across the rear patio to pass through the first door on the left
Stay low and move slow if you decide to proceed through house in a stealthy manner, then look cautiously around each wall to either confirm the coast is clear or eliminate a guard and continuously look up towards the corners above to check for security cameras.
Use an ECM Jammer to break into the server room if you want to override the security system before clearing out all the guard while still remaining quiet.
To make sure none of the downed guards are discovered, it is most advisable to bag their bodies and leave the house completely to hide them in the surrounding forest.
The most time-consuming part of this mission is choosing the right engine from the lab so that the helicopter can take it away without having to return. If you choose incorrectly, you’ll have to wait for the helicopter to travel back from the house and the arduous process of moving another engine will start all over again. Here are some steps to take to make sure you pick the right engine on the first try.
Search the lab for an open notebook with the name of a gas written on it and remember it for future reference.
Approach the whiteboard in the lab with that same gas written on it and remember the color of can it represents.
Look for another piece of notebook paper with a series of equations and symbols written on it to remember the last number that’s multiplied against a letter. This letter will match up with one the gas you found on the whiteboard and the number represents how many cables are protruding from that specifically colored can.
Search for a computer screen with a green and white grid, then remember the PSI calculation you see in the top right corner. Convert the PSI number into bars (with the help of the internet) to find the amount of pressure that will appear on the correct gauge.
Move from each engine available in the lab to the next until you find one that has the correctly colored can, the right amount of cables and a psi gauge that matches with the calculation you found earlier.
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