The term 'PAYS (UP)' can be broken down into four separate crossword solutions: ANTES (5 letters), PONIES (6 letters), SETTLES (7 letters), and LAYSITONTHELINE (15 letters). ANTES is a Spanish word meaning 'BEFORE' or 'in advance'. PONIES is a term used to describe a small horse. SETTLES is a verb meaning to come to a resolution or agreement. Finally, LAYSITONTHELINE is an idiom meaning to take a risk or put something at stake. All together, these words suggest that the term 'PAYS (UP)' means to pay in advance, take a risk, and come to an agreement.