"If you flip it the other way round and it was me looking through the window, I'd have been straight off to jail."
Payne said the moment he met eyes with the girl was one of his most vulnerable.
He remembers thoughts racing through his mind about how to handle the situation had it escalated.
"I was in bed and heard something bang on my balcony. Out of nowhere I saw these eyes peering through the crack of the door," Payne said.
"She started opening the door. I was like, 'What do I do? I'm naked'. I shouted for security and she ran off."
Payne and his One Direction bandmates Harry Styles, Niall Horan, Zayn Malik and Louis Tomlinson are returning to Australia this week after wrapping up three dates in New Zealand.
The band completes its Take Me Home Tour in Tokyo November 3.
- Cover Media