head to head
Neither is meaningfully harder - they pose close to the same test. The widest gap is execution, and it is a single point.

Optimization · Practiced Mastery
The original loot-driven co-op shooter set on the bandit world of Pandora.

Execution · Practiced Mastery
Co-op FPS about four masked crooks holding out through scripted heist assaults.
Borderlands leans Optimization (Practiced Mastery); Payday: The Heist leans Execution (Practiced Mastery).
Payday: The Heist leans a little harder on execution, though the gap is small.
Borderlands
Standard FPS aim; numbers matter more than precision
Payday: The Heist
Holding off assault waves takes solid gunplay
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
Borderlands
Bandits and skags are scripted
Payday: The Heist
Police waves are scripted spawns
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
Borderlands
Procedural loot drops gate your power
Payday: The Heist
Drill failures and objective locations shuffle
Borderlands leans a little harder on optimization, though the gap is small.
Borderlands
Builds, gear math, and farming routes dominate
Payday: The Heist
Crew positioning and objective sequencing per heist
A matching score does not mean a matching test. Two games can both sit at 10 on execution and demand completely different things of you - which is why the reasoning above matters more than the number beside it.