Sorry, no online dictionaries contain the exact phrase user pays principle.
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Reverse dictionary results:
1. pay
 2. paying
3. paid
4. customer
5. remitter
6. bookie
7. coinsurance
8. beneficiary
9. word processor
10. pensioner
 11. tenure
12. tenured
13. application
14. use
15. participating insurance
16. charge
17. con
18. consumers
19. editor
20. farmer
 21. ghost
22. ghosting
23. head
24. mover
25. party
26. referee
27. typist
28. word processing system
29. interest
30. moderate
 31. bulwark
32. opportunist
33. regulate
34. self-seeker
35. accession
36. advocate
37. advocator
38. aggressor
39. apologist
40. bond

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You can look up the words in the phrase individually using these links:   user ?   pays ?   principle ?
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Not helpful? You might try using the wildcards * and ? to find the word you're looking for. For example, use
user*to search for words beginning with user, or
*ipleto search for words ending with iple
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