Oscar Bonsetter is an adventurous teen punk who is arrested and sentenced to a lengthy prison term after daringly robbing a liquor store. While in prison, he meets Mac, an elderly inmate who reveals the location of a hidden fortune, but only if Bonsetter promises to kill the prison guard named Gully. Unfortunately, after Mac dies, Gully has taken all of Mac's possessions, including the drawing with the exact spot of the hidden money.
After Oscar is released from prison, he embarks on a mission to find the hidden fortune. Gully, now blind, unknowingly provides Bonsetter, who is disguising himself as "Lee," with a job at his diner on the ocean side. Here, Bonsetter meets Gully's captivating and beautiful wife, Rose, played by Joan Severance. The chemistry between Howell and Severance is electric, and their sex scenes on top of the car hood is an artistically erotic masterpiece. Severance is seen in her full glory, completely buff and wearing a pair of white socks Straddling on C. Thomas Howell's lap. Her figure is artfully accentuated, her curves highlighted by the sun's rays as her beauty and sexiness is fully realized as she and Howell passionately thrust. Joan moans and pants in pleasure, expressing the vulnerability and desire of Rose, while Howell displays a charming and passionate side rarely seen in him before. The steamy yet tasteful erotic scene captures the intensity of their relationship and the raw emotion between them, ending with their passionate embrace.
Bonsetter eventually manages to locate the hidden fortune, but at a cost, as he is forced to confront Gully. The tension builds until the surprise ending, making Payback (1995) an action-packed Direct to Video production filled with suspenseful plot twists, thrilling car chases, and steamy sex scenes, all culminating in the powerful performances of Joan Severance and C. Thomas Howell.