Paytm UI

Paytm is an Indian e-commerce payment system and financial technology company. As per the company, over 7 million merchants across India use their QR code payment system to accept payments directly into their bank account.
Happening one of the early adopters of Paytm and find the UI UX
Confusing and complex here is my version of Paytm which I feel a lot simpler and then easy to understand.
I would want your suggestions to improvise on this more?