Cryptic crossword clue
Has to pay nothing over stitch up 4

The most common and most likely answer to this crossword clue is the 4 letter word OWES

I've seen this crossword clue in Financial Times
O
W
E
S

Buddy explains!

The straight part
We know that "Has to pay" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case has to pay = owes.
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 OWES mean?

OWES verb
  1. To be under an obligation to give something back to someone or to perform some action for someone.
  2. To have debt; to be in debt.

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