What mods can I use in public games as a serious Payday 2 player? Below you will see a list of banned and allowed mods. Take them as example what we want to see and what is not allowed.
To make a long story short: If a mod changes the game experience and makes the game easier, it's not allowed. If it makes the game harder, its allowed. Getting some advantages and benefits is not allowed.

This post can also be considered as a list to show all the useful/ helpful and fun mods you can install to increase your payday experience without interfering with the core gameplay mechanics or getting a clear advantage over other players.

No one can ever know all mods out there we suppose so feel free to add to the list.

• DLC unlocker
  
• Skin unlocker
  
• Carry Stacker
  
• Pirate Perfection
  
• Silent Assassin
  
• A.B.A.P. (As Boosted As Possible)
  
• Berserker Lifes Matter
  
• Bot Weapons and Equipment
  
• Bots and Bags Fix
  
• Cleaner
  
• DeadMansChest's Weapon Overhaul
  
• Enhanced Tripmines
  
• Extra Attachments Complation
  
• Keepers
  
• Jon's Classic Gunplay Mod
  
• Melee Overhaul REvamped
  
• Please, Go There
  
• Seamlink's Gameplay Overhaul
  
• Sniper Focus
  
• Sociopath Rework
  
• Technician Rework
  
• Better Bots
  
• Bagger custom perkdeck
  
• Get EXP from Kills
  
• Underbarrel 40mm Buckshot Shotgun (Beardlib)
  
• Hardware Expert Reversed Skills
  
• Pre-U109.1 HP Values and Headshot Multiplier
  
• Contractor Rebalances
  
• ChatCommands
  
• Blaze's Weapons Rebalance
  
• Timespeed
  
• RNGModifier
  
• Mark Civs during stealth
  
• crosshair mods
  
• Crackdown: A Death Sentence difficulty fix

• Mutators (crime.net)
  
• Texture mods
  
• Model Mods (eg. custom gage packets)
  
• Custom Huds
  
• Achievement Hunter
  
• 'Fast.net' Standalone
  
• ADS Fire Mode
  
• Create Empty Lobby
  
• Auto Fire Sound Fix
  
• Auto-Discard Parachute
  
• Bain Chatter
  
• Basic Voices
  
• Basic Voices Reborn
  
• Blackmarket Persistent Names
  
• Music Control
  
• Oh ♥♥♥♥! More profiles
  
• Real Weapon & Mods Names
  
• Side Jobs in Lobby
  
• NGBTO
  
• Death Wish+
  
• One Down+
  
• Hardcorer1D+
  
• Delayed Calls Fix
  
• Stop The Cheater
  
• Change Lobby Name Anytime
  
• CreateEmptyLobby
  
• No Slow Mo
  
• Oh No! More Skillsets
  
• Side Jobs in Lobby
  
• Armour correct sorting
  
• Drag and drop inventory
  
• Flashing swan song
  
• Kick a friend
  
• Scrollable menus
  
• Stale lobby contract fix
  
• Update all mods
  
• Change Lobby Name Anytime
  
• Translucent Mission Briefing GUI
  
• Throwables In Team Loadout
  
• Prevent pausing when someone joins
  
• Spot that special, not dominate ffs
  
• Automatic skip screen/auto card pick up
  
• Steam inventory in lobby
  
• Saveequipment
  
• Random contract
  
• More weapon stats
  
• Cloacked
  
• Drivers neck brace remove
  
• Bag Contour
  
• Bulletstorm-enabled Ammo Bag Contours
  
• StatTrak
  
• Playerdrop
  
• No Weapon

The gray list is here to list mods that are influetial to the game mechanics but dont break them in their core like mods on the banned list do. They will give you an advantage which might be big in some cases but which doesnt make the game unfair. They are debatable and most of us dont like to see anyone use mods from that list but we wont judge you if you have good reason to do so.

After all your gameplay and capabilities are the deciding factor which grant you membership in PHE$ and using mods that other people dont agree with is second-rate at that point.

• Bain Can't Cook For ♥♥♥♥ / Meth Helper
  
• UnHackMe (SandBox)
  
• Intimidated Outlines
  
• bot bullet collision fixer
  
• Free Flight Mode
  
• force ready

• Lobby Player Info
  
• Stop The Cheater
  
• Lobby Inspect
  
• Inventory Chat
  
• Reconnect to server
  
• Kick a friend

• VELO Sync (can bug the game)
  
• Adaptive Resync (can bug the game)