I see what you mean here and hadn’t considered the double-up.
There’s no need for the new Payee details to be behind the ‘Payees’ tap at all.
In fact, it could all be done in a single payments screen which starts with the important elements at the top (Pay/Request/etc.) and flows as you scroll down to the lesser required elements (all contacts, etc.)
I’ve done a quick mock-up of the ideal (the world according to me… ignore the Golden ticket/Invite friends element - that should be moved to the Account Overview display):
