No. That's not possible. "Your effort has paid off." = "Pay off" here means led to benefits /success. It is intransitive (no object), so it can't be in the passive voice. "My house has been paid off." = "Pay off" means to make the last payment on something. "I have paid off my house." = active, has a direct object "My house has been paid off." = passive, OK.

No! "Your efforts have paid off." That is correct.

yes! cowboy...