Second-seeded Payton advanced to the sectional title game for a second consecutive year with a 3-0 win against Jones in an on-again-off-again downpour of rain.
Freshman Stella Binion opened the scoring in the 15th minute as she outran Dani Schulgasser to a loose ball before finishing high to the right.
"She's a freshman with a huge upside, loads of upside," Payton coach Ante Cop said. "I recognized that, but felt it was right to give her a few games under her belt in JV.''
She had a one-on-one again 12 minutes later, but couldn't add to the lead.
"There are two things you can't teach: speed and size," Cop said. "She's got the speed and once she gets the mental portion of it down, being able to look up and pick a corner, she is going to be unstoppable."
Six minutes later, she nearly pounced on a momentary spill from the keeper Marbella Cervantes.
The second half had two timely finishes from Payton (13-4-2).
In the 70th minute, Binion cut inside on Dominika Stanisz before a square pass to Ellie Vachuska on her left made for an easy finish and 3-0 lead.
Payton has yet to surrender any goals in the playoffs and has outscored its three opponents 16-0. It will attempt to knock off Northside at 4:30 at Amundsen on Friday.
"I want to go farther," Binion said. "I want to make a new legacy and make something we can try to get and beat next year."
Jones' best chance of the game came in the 65th minute on a Maritza Guerrero free kick from left of the box that forced a near-post save.
Jones made it a tight match with a stingy defense.
"Jones is now newly promoted to the Premier League in the Public League, we knew that they were a formidable side," Cop said. "They ran through the first division pretty easily. They took care of business. I saw them against Lane in the city playoffs. They got to the quarterfinals for the first time in their history."
Jones finishes the season 16-3-3.
"We had never won a regional championship before this year and we had also never beat a premier league team this year," six-year Jones coach Derek Blysma said. "Our record against the premier league teams was 3-1-1. Payton is an established program that has been around for a lot of years. We moved up three divisions in five years."