PAID' (4 letters) The term 'NEEDED TO PAY' can be summarized by two crossword solutions: 'OWED' and 'PAID'. 'OWED' is a verb meaning to be under an obligation to pay or repay someone or something, while 'PAID' is a verb meaning to give money in exchange for goods or services. This term is often used in the context of financial transactions, where one party is obligated to pay another party for goods or services rendered.