settle vs pay off

settle is a noun but pay off is not a noun.

Word	Noun	Adjective	Verb	Adverb
settle	Yes	No	Yes	No
pay off	No	No	Yes	No

As verbs, pay off is a hyponym of settle; that is, pay off is a word with a more specific, narrower meaning than settle:

Other hyponyms of settle include prorate, pay, square, compensate, make up, pay, liquidate, clean up.

settle (noun)	pay off (noun)
a long wooden bench with a back

settle (verb)	pay off (verb)
take up residence and become established	take vengeance on or get even
form a community	eliminate by paying off (debts)
become settled or established and stable in one's residence or life style	pay someone with influence in order to receive a favor
establish or develop as a residence	yield a profit or result
make final; put the last touches on; put into final form	pay off (loans or promissory notes)
become resolved, fixed, established, or quiet	do or give something to somebody in return
come as if by falling
bring to an end; settle conclusively
settle conclusively; come to terms
end a legal dispute by arriving at a settlement
come to terms
accept despite lack of complete satisfaction
get one's revenge for a wrong or an injury
fix firmly
arrange or fix in the desired order
come to rest
settle into a position, usually on a surface or ground
cause to become clear by forming a sediment (of liquids)
sink down or precipitate
go under
become clear by the sinking of particles
dispose of; make a financial settlement