Sorry, no online dictionaries contain the exact phrase has to pay up.
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Reverse dictionary results:
1. ante
 2. pony
3. ponies
4. settle
5. det
6. pick
7. sets
8. default
9. paying
10. spend
 11. afford
12. buy
13. charge
14. charged
15. come
16. incur
17. keep
18. keeps
19. look
20. owe
 21. paid
22. part
23. patt
24. pays
25. remit
26. set
27. shell
28. take
29. figures
30. retire
 31. deadbeat
32. default on
33. laud
34. liquidate
35. recompense
36. repay
37. tithe
38. raise
39. antalya
40. atone

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You can look up the words in the phrase individually using these links:   has ?   to ?   pay ?   up ?
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