The crossword solution for the term 'Word with 'PAY' or 'PLAY'' is OFFS, which is an acronym for 'Overtime, Fines, Fees, and Salaries'. This term is used in the context of sports, and refers to the various payments that a team must make in order to remain competitive. These payments include salaries for players, fines for violations, fees for equipment and facilities, and overtime PAY for extra hours worked.