Payloads are objectives in Paladins. They are featured in maps that run the Siege game mode. A team must push their payload towards it's destination while the other team tries to stop them. The Payload phase lasts 2 minutes and 30 seconds. The payload moves when a player from its team is inside its spherical radius, and will stop moving if a player from the opposing team enters the radius. You will see an in-world indicator of the cart’s area of influence, that indicates whether or not you are able to push or defend the objective.
If the timer runs out but there are still attackers around the objective an Overtime phase will begin, giving a last chance for the attackers to push and win.