Hi. Trying to figure out how panty liners would factor in. Not sure they do. When you say it hurts when you urinate, do you mean AS you are urinating and it burns/hurts as the flow comes to an end or do you mean you urinate and as the pee hits your parts down there, it stings and burns? Those are two separate situations and if you clarify which is happening, it will be easier to help you. One would be indicative of a urinary tract infection and the other would be likely a small abrasion/cut that stings as urine hits it. So, let us know which kind of pain it is.