After ten years on the run as a result of his illegal past, Nathan Steele/Dallas goes through the criminal equivalent of a midlife crisis and decides he wants to operate with a crew of criminals. Bain, a mysterious man with a lot of connections who no one has ever seen the face of, reaches out and grants him his wish.
Bain and Dallas proceed to contact and recruit three other members to the new gang they were forming: James Hoxworth/Hoxton, a British career criminal who once worked with his own gang in London; Wolf, a violent and unhinged man who suffered a psychotic break when his video game company went bankrupt, leaving him and his family on the streets; and Nicklas/Chains, a former military veteran-turned-mercenary with extensive field experience.
Together, they formed what would soon become the infamous PAYDAY Gang, a crew of dangerous criminals with intimidating clown masks concealing their identities. With Bain orchestrating everything behind the scenes with CRIME.Net, the newly-formed PAYDAY Gang wanted to wage a war against the U.S. Government and make a mockery of them through the crimes they would soon commit.