Cryptic crossword clue
Novice makes offer to pay 10

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

I've seen this crossword clue in The Guardian
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Buddy explains!

The straight part
We know that "Novice" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case novice = tenderfoot.
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 TENDERFOOT mean?

TENDERFOOT noun
  1. An inexperienced person; a novice
  2. A newcomer or arriviste to the region in the American frontier (Old West and Wild West).
  3. A Boy Scout of the lowest rank.

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