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.

Execution · Practiced Mastery
The original top-down crime sandbox where you rack up points causing mayhem across three cities.

Execution · Practiced Mastery
Co-op FPS about four masked crooks holding out through scripted heist assaults.
Grand Theft Auto leans Execution (Practiced Mastery); Payday: The Heist leans Execution (Practiced Mastery).
Payday: The Heist leans a little harder on execution, though the gap is small.
Grand Theft Auto
Twitchy top-down driving and shooting under police pressure
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.
Grand Theft Auto
Cops follow simple scripts; nothing adapts
Payday: The Heist
Police waves are scripted spawns
Payday: The Heist leans a little harder on variance, though the gap is small.
Grand Theft Auto
Chaotic traffic and wanted-level escalation surprise players
Payday: The Heist
Drill failures and objective locations shuffle
Same score on optimization - which means the number cannot separate them. The difference is in what each one asks of you.
Grand Theft Auto
Score targets reward learning missions and city layouts
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.