A 'payback novel' could be a type of novel where the theme of revenge or getting payback is central. It might involve a character seeking retribution for some wrong done to them, like in a crime story where the victim's family hunts down the criminal for payback.
We can get the following information: " The New Money Repayment System " is a novel, and the author is Xiao Qiang. The novel was in the status of a serial, and the last update was July 5th, 2022. However, we have no way of knowing the specific content and plot of this novel.
There might be a fanfiction where two rival gamers from different manwha universes meet in a virtual tournament. Their different playstyles and abilities clash, creating a really exciting story full of twists and turns. For example, one might be a strategic mastermind while the other is more of a brute - force attacker.
Well, that's a tricky one. It could be in a particular chapter or section related to a specific event or character arc. You might have to do some thorough reading to find it.
Sadly, I have no information regarding the author of 'payback time the novel'. It could be a relatively unknown author or a new release that hasn't gained wide popularity yet. You may also ask in local book clubs or literary communities as they might have more knowledge about it.