diff --git a/TargetFlows/Card/MerchantHosted-CardPayment-TargetWithComplexApp.pml b/TargetFlows/Card/MerchantHosted-CardPayment-TargetWithComplexApp.pml
index e8a1c22..5ebeb8e 100644
--- a/TargetFlows/Card/MerchantHosted-CardPayment-TargetWithComplexApp.pml
+++ b/TargetFlows/Card/MerchantHosted-CardPayment-TargetWithComplexApp.pml
@@ -31,7 +31,7 @@ opt
 
 	UA->UAM: Revised PaymentRequest
 end
-Payer<-[#green]>UAM: Select <b><color:red>Card</color></b> Payment Instrument
+Payer<-[#green]>UAM: Select <b><color:red>Card</color></b> Payment App/Instrument
 
 UAM<-[#green]>PSPUI: Invoke <b><color:red>Card</color></b> Payment App
 
diff --git a/TargetFlows/Card/MerchantHosted-CardPayment-TargetWithSimpleApp.pml b/TargetFlows/Card/MerchantHosted-CardPayment-TargetWithSimpleApp.pml
index 8877177..ae272a5 100644
--- a/TargetFlows/Card/MerchantHosted-CardPayment-TargetWithSimpleApp.pml
+++ b/TargetFlows/Card/MerchantHosted-CardPayment-TargetWithSimpleApp.pml
@@ -31,7 +31,7 @@ opt
 
 	UA->UAM: Revised PaymentRequest
 end
-Payer<-[#green]>UAM: Select <b><color:red>Card</color></b> Payment Instrument
+Payer<-[#green]>UAM: Select <b><color:red>Card</color></b> Payment Apps/Instrument
 
 UAM<-[#green]>PSPUI: Invoke <b><color:red>Card</color></b> Payment App
 
diff --git a/TargetFlows/PaymentRequestAPI.pml b/TargetFlows/PaymentRequestAPI.pml
index 672d761..2164fdf 100644
--- a/TargetFlows/PaymentRequestAPI.pml
+++ b/TargetFlows/PaymentRequestAPI.pml
@@ -29,7 +29,8 @@ opt
 
 	UA->UAM: Revised PaymentRequest
 end
-Payer<-[#green]>UAM: Select Payment Instrument
+
+Payer<-[#green]>UAM: Select Payment App/Instrument
 
 UAM<-[#green]>PSPUI: Invoke Payment App