1 Preheat oven to 350. Cover cookie sheet with heavy duty foil. Lay out 36 Ritz crackers on cookie sheet. 2 On wax paper, using Pam on sharp knife for non-stick, cut Paydays into 6 chunks per bar. Place on top of crackers. Bake in oven for 4 minutes (to soften candy). When finished, remove from oven and lightly mash Payday down. Use fork sprayed with Pam. (Need to respray about every 6 cookies. Return to oven for 2 more minutes. Set out to begin cooling. 3 Melt chocolate according to package directions. Spoon onto cookies. Remove cookies onto wax paper and allow to cool until chocolate is no longer shiny.