The 25-year-old world open water champion married her fellow Olympian David Carry in September and the pair have set up home in the Scottish capital.
Carry, Scotland's double Commonwealth Games champion from 2006, has retired from swimming, but Payne has joined the Warrender club and is keeping her options open for the 2014 Commonwealth Games in Glasgow.
There will be no open water competition on the Glasgow programme but Payne is a threat in various pool events as she confirmed with an 8:34.78 winning time in the 800m final, finishing just over a second ahead of Edinburgh University's Sian Morgan.
"I've been training with Warrender for about a month and a half but I've not done a huge amount," Payne admitted. "At the moment, I'm just taking it one year at a time and I'll see how it goes for the Commonwealth Games in Glasgow."
Two Scottish records fell. Falkirk's Charlotte McKenzie, who is still at Larbert High School, won the 50m backstroke in 27.95 to set a new national senior and junior mark, while Mark Tully (East Lothian) took the men's 50m breaststroke gold in a senior best of 27.38.
In a close 50m freestyle race, the top two places went to Edinburgh University swimmers. Richard Shafers took the title in 22.33 and Kieran McGukin was second in 22.48 In the morning heats, Aberdeen's 15-year-old Suleman Butt set a British junior record of 23.20.