Payne lives in the United States but is from Great Britain. Payne grew up as an agnostic. When he came to the U.S., he accepted an invitation to church and heard the minister encourage people to give in support of the ministry. Payne was surprised when the pastor guaranteed that if anyone tithed and did not see God bless their efforts and consequently lost money, he would return their total gift. After the service, he went up to the pastor and said, “Let me get this straight. You are giving us a money-back guarantee if we give and do not see an increase in our finances?” The pastor replied,

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