PayDay Truffles Caramel Peanut

Section: Quick & Tasty Snack Ideas

Enjoy the nostalgic flavor of PayDay bars in every bite with these homemade truffles. A rich, gooey center comes together by melting butter, marshmallows, peanut butter, and dulce de leche, then folding in roasted, salted peanuts for extra crunch. After chilling until firm, each bite-sized ball is dipped in melted white chocolate for a smooth finish. A final touch—a whole peanut—covers the truffle and gives it a classic look. Store the truffles for up to two weeks in an airtight container to enjoy sweet, salty, and creamy flavors whenever a craving strikes.

Savor by Sophie official logo
Created By Sophie
Updated on Wed, 26 Nov 2025 19:19:04 GMT
A bowl of chocolate covered marshmallows. Save
A bowl of chocolate covered marshmallows. | savorbysophie.com

PayDay Truffles offer all the gooey caramel peanut magic of the classic candy bar but with a homemade twist and a creamy white chocolate shell. These are rich little bites that bring the nostalgia of a PayDay and the excitement of making candy in your own kitchen.

My family always sets aside a small batch to nibble on straight from the freezer. The combination of textures is so close to the original that my kids ask if I bought them at the store.

Ingredients

  • Unsalted Butter: for a silky base and balanced richness look for USDA grade AA for best flavor
  • Miniature Marshmallows: create the gooey interior and help everything stick together fresher marshmallows melt smoother
  • Creamy Peanut Butter: brings the signature nutty backbone choose no stir brands for the best consistency
  • Dulce De Leche: brings true caramel depth look for smooth thick dulce de leche in cans from the baking aisle
  • Dry Roasted Salted Peanuts: the backbone of crunch and salty bite pick up fresh roasted to avoid any staleness
  • Ghirardelli White Chocolate Wafers: offer a meltier more reliable coating than white chocolate chips use a name brand for best results

Instructions

Melt and Blend Base:
Melt butter over low heat in a medium saucepan gently so it does not brown or scorch Add marshmallows stirring constantly until completely melted and glossy Now add the peanut butter and dulce de leche Keep stirring until the mixture is totally smooth and unified then take off the heat
Fold in Peanuts:
Add four cups of the peanuts to the warm caramel base Stir to distribute evenly so that every bite has a good mix The mixture will be thick and sticky
Shape and Freeze:
Using a large tablespoon or a small cookie scoop drop mounds of the peanut caramel mixture onto a parchment lined baking sheet They do not need to be perfectly round Cover loosely with plastic wrap and freeze for two to four hours until solid to the touch This helps them hold their shape for dipping
Melt the White Chocolate:
Add the white chocolate wafers to a clear glass bowl Microwave in short thirty second bursts stirring between each until melted and smooth Avoid overheating for a silky finish
Dip and Decorate:
Insert a toothpick into each frozen truffle then dip into the melted white chocolate Use the edge of the bowl to gently tap off extra coating Set back onto the baking sheet Before the chocolate sets press a peanut or two on top to cover the toothpick mark Repeat for all truffles
Store and Enjoy:
Let truffles set at room temperature and transfer to an airtight container Store up to two weeks at room temperature or a month in the fridge
A bowl of chocolate covered peanut butter balls.
A bowl of chocolate covered peanut butter balls. | savorbysophie.com

The dulce de leche is the standout ingredient for me That caramel brings a warm buttery layer far more luscious than using plain caramel sauce I remember my youngest sneaking the last one from the fridge and offering to trade a chore just for another bite

Storage Tips

Keep these truffles in a tightly sealed container on the counter if you love a soft and creamy texture For longer freshness especially in warm weather I find the fridge works best Layer wax paper between stacks to avoid sticking These freeze surprisingly well just wrap tightly in plastic and place in a freezer bag for up to two months Thaw at room temperature before serving

Ingredient Substitutions

You can use milk or dark chocolate melting wafers instead of white chocolate for a twist going even deeper into chocolate peanut territory If you only have marshmallow fluff use three quarters of a cup as a substitute for marshmallows Almond butter works in place of peanut butter for a different nutty flavor but the classic PayDay taste really shines with roasted peanuts and creamy peanut butter

Serving Suggestions

Make these truffles part of a holiday candy platter or wrap them in mini cupcake liners for a gift box They are a fun project for kids to help assemble at the dipping stage Try sprinkling a pinch of flaky sea salt over the wet white chocolate if you want to bump up the salty sweet effect

Cultural and Historical Context

PayDay bars first appeared around Halloween and quickly gained a dedicated following for their pure caramel and nut core rather than chocolate Many peanut candies feature peanut butter buried inside with sugar or chocolate but PayDay bars have always stood out for their simple straightforward combination Making them at home brings back bits of that Americana candy counter nostalgia

Seasonal Adaptations

For a festive look coat truffles with orange candy melts for Halloween or use colored sprinkles for different holidays Chop up leftover Halloween candy to mix in with the peanuts for a surprise crunch Thin the dulce de leche with a splash of cream in colder months if the mixture is too stiff to stir These truffles are even better after resting overnight in a tin Try adding roasted cashews or pecans for a twist on the nutty flavor Do not skip freezing before dipping or the truffles will lose their shape

Success Stories

Friends have raved about these at potlucks and teachers appreciate a box around the holidays It always surprises people that something so fun and familiar can be created without turning on the oven My aunt said they reminded her of growing up with payday bars from the corner store and that memory made these even more special to us

Freezer Meal Conversion

Freeze dipped and decorated truffles solid on a baking sheet then transfer to freezer bags or containers This makes it easy to keep a secret stash handy Simply let them come to room temperature on the counter before serving The texture stays wonderfully chewy and the coating is just as creamy

A bowl of chocolate covered peanut butter balls.
A bowl of chocolate covered peanut butter balls. | savorbysophie.com

With a little prep and patience these truffles give you a homemade treat that rivals the real deal. Celebrate nostalgia and enjoy every creamy salty bite!

Common Recipe Questions

→ Can I use a different chocolate coating?

Yes, try milk, semi-sweet, or dark chocolate wafers for a unique twist on the classic flavor.

→ How should I store these truffles?

Keep truffles in an airtight container at room temperature for up to two weeks, or freeze for longer storage.

→ What type of peanuts work best?

Dry roasted and salted peanuts add crunch and balance the sweetness; avoid using raw peanuts for best results.

→ Can I substitute dulce de leche?

For a similar texture and flavor, use thick caramel sauce if dulce de leche is unavailable in your area.

→ How do I keep the truffles round?

Chill or freeze them until firm before dipping in chocolate to help them hold their shape while coating.

PayDay Truffles Caramel Peanut

Creamy caramel peanut filling wrapped in smooth white chocolate, perfect for a nostalgic sweet bite.

Preparation Time
15 mins
Time to Cook
5 mins
Overall Time
20 mins
Created By: Sophie

Recipe Type: Snacks

Level of Expertise: Requires Some Skill

Cuisine Style: American

Makes: 60 Portions (60 truffles)

Dietary Needs: Plant-Based, No Gluten

Ingredients You’ll Need

→ Filling

01 113 grams unsalted butter
02 120 grams miniature marshmallows
03 130 grams creamy peanut butter
04 400 grams dulce de leche
05 540 grams dry roasted salted peanuts, divided

→ Coating

06 910 grams Ghirardelli white chocolate melting wafers

How to Make It

Step 01

In a medium saucepan over low heat, melt the unsalted butter. Add the miniature marshmallows and stir continuously until fully melted and smooth.

Step 02

Add creamy peanut butter and dulce de leche to the saucepan. Stir thoroughly until the mixture is completely smooth, then remove the pan from heat.

Step 03

Using a spatula, fold 480 grams of dry roasted salted peanuts into the caramel mixture until well distributed. With a large tablespoon, portion mounds of mixture onto a parchment-lined baking sheet.

Step 04

Cover with plastic wrap and freeze for 2 to 4 hours until firm.

Step 05

In a clear glass bowl, melt the white chocolate wafers by following the manufacturer’s instructions, stirring until smooth.

Step 06

Using a toothpick, dip each frozen truffle into the melted white chocolate. Gently tap the toothpick against the side of the bowl to remove excess chocolate.

Step 07

Place coated truffles back onto the parchment-lined sheet. Immediately press one or two peanuts onto the top to cover the toothpick hole. Repeat with the remaining truffles.

Step 08

Store truffles in an airtight container at room temperature for up to two weeks.

Extra Tips

  1. White chocolate wafers produce a smoother, more reliable coating than standard chocolate chips.
  2. For variety, substitute white chocolate wafers with milk, semi-sweet, or dark chocolate wafers.

Recommended Tools

  • Medium saucepan
  • Spatula
  • Parchment paper
  • Baking sheet
  • Plastic wrap
  • Clear glass bowl
  • Toothpick
  • Airtight container

Allergen Details

Check all the ingredients to avoid allergens, and seek medical advice if you’re unsure.
  • Contains peanuts.
  • Contains milk and milk derivatives.

Nutritional Info (Per Serving)

These nutrition details are for informational purposes only and shouldn’t replace professional dietary guidance.
  • Calories: 150
  • Fat: 9 g
  • Carbs: 14 g
  • Protein: 3 g