Payday pays every sec whether then every 180 seconds how can I fix this?

To make it so it only awards you every x amount of seconds, you need to put the code inside your conditional on line 5. This way, it will count down and only award if the timer is at 0, then reset.

And sorry, i'm not going to answer about how to convert it to minutes / hours because that's not constructive on your part if I just do it for you.

local time = 180

--Make a function to award.

function awardPlayers()
	for i,v in pairs(game.Players:GetPlayers()) do
		local plr = game.ServerScriptService.Players:FindFirstChild(v.Name)
		if plr then
			local creds = plr.Tickets
			if v:IsInGroup(782018) then
				creds.Value = creds.Value + 50
			elseif v:IsInGroup(234706) then
				creds.Value = creds.Value + 30
			end
			creds.Value = creds.Value + 50
		end
	end
end

--Make a function to update the guis

function updateGuis()
	--Get all players
	for i,v in pairs(game.Players:GetPlayers()) do
		--Get gui
		local gui = v.PlayerGui:FindFirstChild('PaydayGui')
		--Make sure gui is there
		if gui then
			--Update it
			gui.Label.Text = 'Next payday in '..time..' seconds.'
		end
	end
end

while wait(1) do
	time = time - 1
	--Update the guis
	updateGuis()
	if time <= 0 then
		time = 180
		--Award the players INSIDE the conditional.
		awardPlayers()
	end
end