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The game consists of a variety of 'heists' that a player can opt to either carry out by themselves, with the AI, or as part of a multiplayer game. There are heists such as bank robbery, a drug trafficking run, and rigging an election. Some of the heists put a large emphasis on stealth, often leading to bonus experience points and money on completion.

The level selection menu is styled as a fictional website, Crime.net, (pronounced "Crime Net") where missions pop up periodically as contracts in a map of Washington D.C. The player can pick up an open contract, join a contract another player has started, or buy a contract with in-game money in an offshore bank account. There are five difficulty levels, with increased money and experience payouts for higher difficulty levels. Independent of difficulty is the "pro job" condition - pro jobs give additional experience, but cannot be retried if the players fail. Some contracts in Payday 2 take place over multiple days, with each day represented by a separate level with different objectives. After a day is complete the game may add an escape level, where the players' original escape is thwarted and they must survive to reach their backup getaway.

Many jobs in Payday 2 can be completed in stealth. If players avoid getting caught on camera, evade or silently kill security guards, and keep any civilian witnesses from calling the police, the alarm will not be raised and the players will receive an experience bonus. Otherwise, players will have to achieve their objectives, carry out any loot they find to a dropoff point, and then reach their escape point under the pressure of constant police assault waves. Most of the enemies are DC Police and FBI SWAT teams, with GenSec private security contractors at the highest difficulty level. Mixed in with these crews are four special units: the "Shield" and the "Taser" - both named for their signature equipment, the "Cloaker" - an infiltration and hand-to-hand combat expert, and the "Bulldozer" - a SWAT team member in a nigh-bulletproof bomb suit.

If a player takes too much damage they will be knocked down and incapacitated. If no one helps them back up, or if they are downed a number of times without healing, they will be taken into custody. On lower difficulty levels players in custody will eventually respawn, but otherwise their teammates must take a hostage to trade to get them back into the game. A job is failed if all players are downed or in custody.

At the end of each heist, the player is presented with a screen with three cards, one of which is to be chosen by the player (called a "Payday"). These bonus cards can be either weapon modifications, masks, colors or materials for masks, or experience or money boosters. Players can purchase and customize masks, although these are purely cosmetic and have no effect on the gameplay.

Throughout the game, players accumulate money and experience. The money is divided into two parts. 20% of the money is given to the player to spend on weapons, masks and skills, and 80% is placed into the player's "Offshore Account", which is intended as part of the story to be the player's retirement fund, however the player can use it to purchase heists from a broker or during special periods announced by Overkill to buy bonus cards without performing a heist or to become infamous.