Cryptic crossword clue
Extra payments turn to black in waves 10

The most common and most likely answer to this crossword clue is the 10 letter word SURCHARGES

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Buddy explains!

The straight part
We know that "Extra payments" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case extra payments = surcharges.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does SURCHARGES mean?

SURCHARGES verb
  1. To apply a surcharge.
  2. To overload; to overburden.
  3. To overstock; especially, to put more cattle into (e.g. a common) than one has a right to do, or more than the herbage will sustain.
  4. To show an omission in (an account) for which credit ought to have been given.

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