Gatland could have turned to Welsh specialist fullback Leigh Halfpenny, who has only played once on tour, to face the Highlanders.
Instead, he whistled up adopted Irishman Payne, whose versatility has been proven in 20 Tests and during a six-season first-class tenure in New Zealand before joining Ulster in 2011.
Gatland is keen to see a full run from Payne, who lasted 47 minutes against the Blues before exiting with a tight calf.
"We knew in that first game, he wasn't going to get 80 minutes," Gatland said.
"It's just about giving him a little bit longer time on the field. We know that he's versatile."
Gatland's other Test fullback options are also allrounders.
Welshman Liam Williams played on the wing against the Crusaders but it was Anthony Watson who was introduced in that role for 60 minutes when Hogg departed.
Primarily a winger, Watson impressed Gatland although the coach felt he could have run with more conviction at times.