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It is often used as a general term, but could not find a good description on the web.
I would say yes! Any mission has its "load"... that has to pay the satellite, laucher and so on and as consequence it is a no sense to lauch a satellite that has a "payload" that doesn't work! (Just to be a little funny, but you can image what it means from economical poin of view...)So can we say the following for the word "payload":
You "pay" someone to carry your "load". In the satellite case, you pay a third-party carrier (who launches the rocket/satellite) to load your electronics into the space to carry out certain task.
Just trying to make sense out of the word "payload". Hope I understand your explanations right.