diff --git a/src/components/ScreenShell/index.tsx b/src/components/ScreenShell/index.tsx
index cffede0..096ba39 100644
--- a/src/components/ScreenShell/index.tsx
+++ b/src/components/ScreenShell/index.tsx
@@ -77,7 +77,9 @@ export const ScreenShell = ({
   // Bottom spacing: if inside tab navigator, add TAB_BAR_HEIGHT + breathing room
   // If there's a fixedFooter, we don't necessarily need tab bar padding on the scroll view,
   // but let's leave it for safety or adjust based on layout.
-  const tabBarPadding = withTabBar ? TAB_BAR_HEIGHT + 16 : 20;
+  // A fixed footer already clears the tab bar (see below), so the scroll above
+  // it only needs breathing room, not the bar's full height again.
+  const tabBarPadding = withTabBar && !fixedFooter ? TAB_BAR_HEIGHT + 16 : 20;
 
   const scrollContent = (
     <ScrollView
@@ -149,7 +151,15 @@ export const ScreenShell = ({
         ) : null}
 
         {innerContent}
-        {fixedFooter}
+        {/* The tab bar is absolutely positioned over the bottom of the frame,
+            so a footer laid out in flow would sit underneath it — the Pay and
+            Continue buttons were rendering behind the bar. Lifting it by the
+            bar's height keeps it above. */}
+        {fixedFooter ? (
+          <View style={withTabBar ? { paddingBottom: TAB_BAR_HEIGHT } : undefined}>
+            {fixedFooter}
+          </View>
+        ) : null}
       </View>
     </SafeAreaView>
   );