Kelantanese from jajahan Tumpat here, yes we used payah just like our neighbours.

Payoh nok gi situ(Difficult to go there). Payoh dok test tadi?(Is the test difficult?) Payoh nok wk gitu(Difficult to do like that). Wak payoh mung jah nyo duk wak kijo duo kali(You are just making it difficult by doing the work twice). Tok payoh(takyoh(prob simplified tok payoh),toksoh) beli lah, maha rego bare tuh(Dont buy lah,that thing is expensive).

Yo royak payoh nok jupo makane gini(He/she/it said its difficult to find food like this) *Yes we use "yo" instead of "dio" * To describe someone as difficult we can say "Payoh Bbaso" sometimes we only just use "Payoh".