Describe the requested feature:

The flow for Pay is unclear to me, there are no clear labels, mouse overs or hints. What is 'contacts', isn't IBAN also a transfer? What is the selected target, what is the selected source, why does the target gets overwritten if a name has partial match with one of your own accounts. what is this 'add' and what does it mean when you add two targets.

Additional context:

I don't use the app for 'payments' because I don't understand the interface, I've asked 4 people if they can figure it out and we are all clueless. As a real user I didn't read the manual :)