If Payload is a framework or not is debatable. I think it's more like a data layer around a database for a any js app and an Admin Panel (that uses Next.js now). It might be called a framework for your own Headless CMS, because it is code first. So you basically code the panel and the data structure yourself.
These are examples for React frameworks: https://react.dev/learn/start-a-new-react-project#production...
Next.js is a React framework.
If Payload is a framework or not is debatable. I think it's more like a data layer around a database for a any js app and an Admin Panel (that uses Next.js now). It might be called a framework for your own Headless CMS, because it is code first. So you basically code the panel and the data structure yourself.