The word "payed back" is commonly used as a phrasal verb meaning to repay or return money that was borrowed or owed. The opposite or antonym for this phrasal verb could be "borrowed" or "owed". Other antonyms for "payed back" include "kept", "stolen", "withheld", or "defaulted". Depending on the context, the antonym for this phrase could also be "gifted" or "donated". When a person receives money or something of value without any expectation of repayment, the term "payed back" does not apply. Therefore, finding a precise antonym for this phrase is dependent on the nuances of the context.