The most common and most likely answer to this crossword clue is the 13 letter word HIREÂ PURCHASE
I've seen this crossword clue in The Guardian
H
I
R
E
Â
P
U
R
C
H
A
S
E
Buddy explains!
The straight part
We know that "way to pay" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case way to pay = hire purchase.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 HIREÂ PURCHASE mean?
HIREÂ PURCHASE adjective- Alternative spelling of hire purchase