The term 'is worthwhile' can be broken down into two crossword solutions: 'pays' (4 letters) and 'hasvalue' (8 letters). 'Pays' is a verb that means to give money in exchange for goods or services. It is often used in the context of employment, where an employer pays an employee for their work. 'Hasvalue' is an adjective that describes something that has worth or value. This could refer to anything from tangible items such as jewelry or cars to intangible items such as knowledge or experience. Together, these two words describe something that is beneficial or rewarding, and thus 'is worthwhile'.