The phrase "pays up" typically means to settle a debt or payment that is owed. There are several synonyms for this phrase, including "settles up," "coughs up," "pays off," and "clears a debt." These phrases all imply a sense of obligation or responsibility, indicating that someone is fulfilling their end of a financial agreement. Alternatively, the phrase "forks over" implies a bit more reluctance or grudging payment, while "ante up" connotes a sense of betting or gambling. Regardless of the specific synonym used, paying up is generally considered a responsible and necessary action in order to maintain financial stability and good relationships with creditors.