Long and rangy, Payne is a durable 42-game starter and team captain who can play inside the box, over the slot and as a split safety. His coverage tape pops more than his run support and tackling. He reads and responds with good timing from depth and uses his length to smother the catch point in man coverage when matched inside. Payne held his own against three of the Big 12’s best receiving tight ends in 2025. He will do his job as a run defender but lacks an enforcer’s conviction and gets hung up on blocks too easily. Payne’s measurables and coverage versatility improve his chances of becoming a productive pro.