The best replacement for payback is npv.

The best alternatives to payback are rated as following:
★★★★★  npv
★★★★  pay back
★★★  discounted payback
★★★  roi
★★★  irr
★★  payback
★★  breakeven
★★  foul play
★★  faint attack
★  net present value
★  assurance
★  crunch scrafty
★  point blank
★  return on investment
★  revenge
  dark pulse
  break even
  crunch

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Speaking about payback, one probably shouldn't forget about icici.

Other search terms related to payback and their ratings are:
★★★★★ icici
★★★★★ flipkart
★★★★ paytm
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Google Trends

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payback
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