Payback is more like Pro Street with a touch of Most Wanted + all NFS combined till today.
I LOVE this version...the Story line is GREAT and the Paint/vinyl customization is GREAT;) and the Boss challenges is WAY better then boring "only cop chases"
Only thing I'd say this NFS needs is Way more cars, Option to buy $ with actual purchase, and option to buy "Master version" (like HEAT)