Despite Origin's policy about returns (which is pretty ridiculous), I managed to get a full refund on the deluxe version two weeks after the release at (approximately). Yes I even launched it on day one so according to that, refund was not supposed to be possible. - BUT I got a refund anyway.
My problem was on pc - with a pc that is way above the requirements, I was getting these micro (and sometimes major) lags and stuttering. City most of the time.
Tried everything they suggested, spent quite a while with the tech support and did a lot of tests, and in the end they blamed it on my pc anyway (when it's running every other games perfectly). Typical EA/Origin. I filed a case with all the proofs that test results were absolutely fine and they refunded in a matter of days from the day I filed the case.
Let's face it - PC is great to play. But the optimisation for the PC version is an absolute joke. And I have no idea when if if they intend to fix it. It can't be that hard now can it?
I am now playing the game on Xbox one X, and I have to say that the game runs 100% perfectly. No crashes, no lags, no stutters. Gets you to think that this might just be a big deal with Origin/EA and Microsoft. Considering they promoted the Xbox one X a lot, Microsoft promoting Payback a lot. Gets people to get the Xbox one X I suppose?
Anyway. What I recommend is simply get a refund for your PC version if you are getting stuttering and lags. I tried everything and nothing worked.
If you have a PS4/PS4 pro, get it on there, or if you have an Xbox one X. (not Xbox one/xbox one s)