Pace
UPI payments, bills and autopay

Four seconds to pay.
Nothing to close.

No games, no scratch cards, no offer carousel. Just the payment, the people you pay, and an honest account of what left.

9:41
Pace
Coromandel Bank Savings · ••4471
₹38,214in the bank
2 accounts
Scan a code
Pay by number
To a bank
People you pay oftenAll contacts
DADivya
A.
RMRahul
M.
LSLatha
S.
SKSundar
K.
MBMeera
B.
PVPrakash
V.
RecentHistory
AS
Anbu Stores
Groceries · today, 8:12 am
− ₹340
MT
Marina Tiffin Room
Breakfast · today, 7:40 am
− ₹120
DA
Divya Anand
Yesterday · “auto share”
− ₹180
SF
Sangam Fuels
Wed · petrol, 12.4 litres
− ₹1,310
September so far
Rent and EMI counted separately
₹31,870
Pay
Bills
Month
You
9:41
BillsCoromandel ••4471
Leaves on autopay
₹4,487
every month, 9 of them
Due this week
₹1,860
one bill, not on autopay
Metro Power Board
Electricity · due 24 Sep
Pay ₹1,860
Autopay, all nine5 more below · ₹3,140
SF
Sundara Fibre
Broadband, 300 Mbps
Sun 28 Sep|₹799
Cancel
KM
Kite MusicUnused
Not opened in 5 months
Wed 1 Oct|₹119
Cancel
L
LoomcastPrice up 50%
Was ₹199 until July
Sat 4 Oct|₹299
Cancel
C2
Cloudbox 200 GB
Photo backup
Mon 6 Oct|₹130
Cancel
Pay
Bills
Month
You
9:41
Check and payStep 2 of 2
MB
Meera Balachandran
meera@northline
Name held by Northline Bank, not typed in
You are sending
₹4,500
NotePondicherry trip, my share
First time you are paying this number
Your other first payments this year were under ₹1,000. Read the name above before you go ahead.
Send ₹1 first to check
Coromandel Bank
••4471
UPI
Northline Bank
••2290
Usually finished in three to four seconds
Pay ₹4,500
Pace never charges you to pay a person.
You opened it to send ₹450. It opened a reward wheel.
Payment apps grew into shopping malls. Games, scratch cards, loan banners and sponsored tiles now sit between you and a transfer the rail underneath finishes in three seconds.
11taps, three banners
and one game before
the amount field.
Pace throws all of it out. One screen, one job, then a clear account of what left.
Offer carousel
Reward wheel
Scratch card
Daily game
Loan offer banner
Insurance cross-sell
Sponsored merchant strip
Refer and earn strip
Short video shelf
Wallet top-up promo
Rewards balance strip
Recharge
Travel
Gold
Send money
A made-up home screen, assembled from habits the whole category shares. No real product is drawn here.
9:41
Pace
Coromandel Bank Savings · ••4471
₹38,214in the bank
2 accounts
Scan a code
Pay by number
To a bank
People you pay oftenAll contacts
DADivya
A.
RMRahul
M.
LSLatha
S.
SKSundar
K.
MBMeera
B.
PVPrakash
V.
RecentHistory
AS
Anbu Stores
Groceries · today, 8:12 am
− ₹340
MT
Marina Tiffin Room
Breakfast · today, 7:40 am
− ₹120
DA
Divya Anand
Yesterday · “auto share”
− ₹180
SF
Sangam Fuels
Wed · petrol, 12.4 litres
− ₹1,310
September so far
Rent and EMI counted separately
₹31,870
Pay
Bills
Month
You

Open it, and the only thing on offer is paying someone.

Three ways in
Scan, a phone number, or a bank account. Scan is already the default.
People, not merchants
The six faces you actually paid this month.
Recent, in plain words
What it was, when it was, how much. No promoted rows mixed in.
September, so far
Rent and the home-loan EMI are counted apart, so the number means something.

The moment the money leaves, taken seriously.

9:41
Check and payStep 2 of 2
MB
Meera Balachandran
meera@northline
Name held by Northline Bank, not typed in
You are sending
₹4,500
NotePondicherry trip, my share
First time you are paying this number
Your other first payments this year were under ₹1,000. Read the name above before you go ahead.
Send ₹1 first to check
Coromandel Bank
••4471
UPI
Northline Bank
••2290
Usually finished in three to four seconds
Pay ₹4,500
Pace never charges you to pay a person.
Their bank’s name for them
Green, and typed by nobody.
One amber caution
First payment to this number. It offers a ₹1 test, not a lecture.
The road it takes
Your bank, the UPI rail, their bank.
9:41
BillsCoromandel ••4471
Leaves on autopay
₹4,487
every month, 9 of them
Due this week
₹1,860
one bill, not on autopay
Metro Power Board
Electricity · due 24 Sep
Pay ₹1,860
Autopay, all nine5 more below · ₹3,140
SF
Sundara Fibre
Broadband, 300 Mbps
Sun 28 Sep|₹799
Cancel
KM
Kite MusicUnused
Not opened in 5 months
Wed 1 Oct|₹119
Cancel
L
LoomcastPrice up 50%
Was ₹199 until July
Sat 4 Oct|₹299
Cancel
C2
Cloudbox 200 GB
Photo backup
Mon 6 Oct|₹130
Cancel
Pay
Bills
Month
You

Everything that leaves without asking, in one list.

The row, at full size
L
LoomcastPrice up 50%
Was ₹199 until July
Sat 4 Oct|₹299
Cancel

It says when the money goes, how much, and that the price went up in July. Cancel is a button, not four screens of retention offers.

₹4,487
leaves on autopay every month, across nine instructions. Two of them are flagged: one went up by half in July, one has not been opened since April.
A note two days before each charge, so nothing arrives as a surprise.
9:41
September
1–19 Sep · 19 days in
Paid out so far
₹31,870
7% less than August
People
₹9,400
Shops
₹17,983
Bills
₹4,487
Rent and home loan
Kept out · ₹21,500 and ₹9,340
₹30,840
People₹9,400 to 7 people
DA
Divya Anand₹3,200
RM
Rahul Menon₹2,400
LS
Latha Srinivasan₹2,000
Shops₹17,983 to 49 shops
GC
Green Cart Supermart₹4,620
AS
Anbu Stores₹2,860
SF
Sangam Fuels₹2,410
Pay
Bills
Month
You

People, shops, bills. Rent kept out of the way.

Rent and the home-loan EMI are the two payments nobody can act on, so they sit on their own line and stay out of the month's total.

September so far, 1–19 Sep
₹31,870
People
₹9,400
Shops
₹17,983
Bills
₹4,487
Rent and home loan
Kept out of the month’s total
₹30,840

Last month, over the same nineteen days, it was ₹34,210. That is the only comparison the screen makes.

MB
Meera Balachandran
meera@northline
Name held by Northline Bank, not typed in
You are sending
₹4,500
NotePondicherry trip, my share
First time you are paying this number
Your other first payments this year were under ₹1,000. Read the name above before you go ahead.
Send ₹1 first to check
Coromandel Bank
••4471
UPI
Northline Bank
••2290
Usually finished in three to four seconds
Pay ₹4,500
No platform fee, ever.
The confirm screen, at full size.
Four facts, in the order a person actually needs them.
Who
The name the receiving bank holds, in green, with the handle under it. Nobody types this name in.
How much
62px of tabular figures. The number you are about to lose is the biggest thing on the screen.
The one warning
Amber, never red. It says what is unusual and offers a ₹1 test payment instead of a lecture.
The road
Your bank, the UPI rail, their bank. Three or four seconds, and no fee to pay a person.
Nothing else competes with it. No offer, no banner, no upsell on the screen where money moves.
PaceUPI rail
Pace
Send it. Then put
your phone down.
4.0seconds
from opening Pace to the money being gone
Nothing to spin, nothing to collect, nothing to close first.
A Goat Scale concept
Pace
₹4,487
leaves this account every month on its own. Nine standing instructions, and most people can name four.
Sundara Fibre₹79928 Sep
Kite Music₹1191 Oct
Loomcast₹299Cancel
Cloudbox 200 GB₹1306 Oct
Aqua Sure₹4509 Oct
Meridian Life₹1,14212 Oct
Ironline Fitness₹89915 Oct
The Coastal Daily₹30018 Oct
Orbit Mobile₹34921 Oct
Pace lists every one of them with its next date, and cancels any of them in one tap.
Figures from one household in Chennai, September.A Goat Scale concept
PaceDesign system · v1.0 · UPI payments and bills
Deep
#0E2A54
ground, primary
Signal
#2563D8
action, links
Sky
#6BA0FF
callout dots
Frost
#EDF3FB
app surface
Settled
#0F8F5F
verified, done
Caution
#B9780C
one warning
Plus Jakarta Sans500 · 700 · 800
₹31,870
Tabular figures, round zeros: 10:09
One family does the whole interface. Money sets at 800 and tightens; everything else sits at 600 and stays quiet.
DM Mono · 400
meera@northline
arjun@coro
UPI/526104417
Handles and reference numbers are set in mono so they can be checked character by character.
Actions and states
Pay ₹4,500
Name verifiedFirst-time payeeAutopay on7% less than August
MBDARMASSF
Autopay row
L
LoomcastPrice up 50%
Was ₹199 until July
Sat 4 Oct|₹299
Cancel
The road the money takes
Coromandel Bank
••4471
UPI
Northline Bank
••2290
Month split
People
₹9,400
Shops
₹17,983
Bills
₹4,487
House rules
Corners 18–24px
Targets 44px, grid of 8
One caution at a time
Icons · 24 grid, 1.8px stroke
Tab bar · four places, no store
Pay
Bills
Month
You
Pay, Bills, Month, You. Nothing to browse.
The one sentence this redesign has to survive
A payments app should do one thing in four seconds, then account honestly for everything that left.
Designed by Goat Scale