The term HAS TO PAY can be summarized as 'OWES' which is a four letter word. This term is used to describe a situation in which someone is obligated to pay money or goods to another person or entity. This could be due to a loan, a purchase, or any other type of transaction. The person who owes the money or goods is said to have to pay, and the person or entity to whom the money or goods are owed is said to be owed.