diff --git a/PaymentFlows/AlternativePayment/MasterPassStandardCheckout-Current.pml b/PaymentFlows/AlternativePayment/MasterPassStandardCheckout-Current.pml
index 596b4b9..d181e46 100755
--- a/PaymentFlows/AlternativePayment/MasterPassStandardCheckout-Current.pml
+++ b/PaymentFlows/AlternativePayment/MasterPassStandardCheckout-Current.pml
@@ -13,7 +13,11 @@ title MasterPass-type Payment Flow [Simplified]
 
 Payee->Payer: Basket Page with "Pay with MasterPass" Button
 Payer->Payee: Press "Pay with MasterPass"
-Payee->MP: Redirect / iFrame to Wallet Selector UI 
+
+== MasterPass specific flow starts ==
+
+Payee->MP: Hand control to MasterPass 
+Note right: Redirect or iFrame 
 MP->Payer: Display Wallet Selector UI
 Payer->MP: Select Partner Hosted Wallet
 MP->PIP: Redirect to Wallet Checkout page
@@ -21,26 +25,35 @@ PIP->Payer: Display Sign in page
 
 note over Payer,PIP: Sign in is Partner specific (for instance, can go through mobile app)
 
-Payer->PIP: Sign in
+Payer->PIP: Supply credentials
 PIP->MP: Get Accepted Card Brands &\nAddress Verification
+MP->PIP: Return Cards
+
 
-PIP->Payer: Display Card & Shipping Address Selection UI
-note left: can also be in mobile app
+Alt
+	PIP->Payer: Display Card 
+Else
+	PIP->Payer: Display Card with Shipping Address Selection UI
+	Payer->PIP: Card & Shipping Address Selection
+End
 
-Payer->PIP: Card & Shipping Address Selection
-PIP->MP: Authorize Order
+note over Payer: can also be in mobile app
+
+PIP->MP: Finalise Shopping
 MP-->PIP: Compute Merchant Callback URL
 PIP->Payee: Redirect to Merchant through Callback URL
 Payee->MP: Get Checkout Data
 MP-->Payee: Card Number & Shipping Address
 
+== MasterPass specific flow ends ==
+
 group opt
   Payee->Payer: Capture CVV/CVC
   Payer->Payee: CVV/CVC input
 end group
 
 Payee->Payer: Display order summary
-Payee->PSP: Submit Card Not Present\ntransaction with Card, CVV/CVC &\nAddress (if required)
+Payee->PSP: Submit Card Not Present\transaction with Card, CVV/CVC &\nAddress (if required)
 PSP-->Payee: Payment confirmation
 Payee->Payer: Display confirmation page
 
diff --git a/PaymentFlows/Card/MerchantHosted-CardPaymentwith3DS-Current.pml b/PaymentFlows/Card/MerchantHosted-CardPaymentwith3DS-Current.pml
index f1c7c03..da9bfac 100644
--- a/PaymentFlows/Card/MerchantHosted-CardPaymentwith3DS-Current.pml
+++ b/PaymentFlows/Card/MerchantHosted-CardPaymentwith3DS-Current.pml
@@ -13,30 +13,30 @@ note over Payee, Payer: HTTPS
 
 title Legacy Merchant Hosted Card Payment with Acquirer Supported 3DS (Current)
 
-Payee->Payer: Basket Page with Pay Button
+note over Payer: 3DS is used to add confidence that the payer is who they say they are and importantly in the event of a dispute liability shift to the Issuer
+
+Payee->Payer: Checkout with Pay Button
 Payer->Payer: Press Pay
 Payer->Payer: Select Card Brand
 alt
-	UA->Payer: Form Fill; PAN, Expiry Date, [CVV], [AVS]
+	UA->Payer: Form Fill
+	Note right: fields are PAN & Expiry Date with optional CVV, & Address, Also Card Valid Date and Issue Number are required for some Schemes
 else
 	Payer->Payer: User Fills Form
 End
 
-Alt
-	Payer->Payee: payload
-Else
-	Payer->Payee: Encrypt(payload)
-	Note right: Custom code on merchant webpage can encrypt payload to reduce PCI burden from SAQ D to SAQ A-EP
-End
+Payer->Payee: Payment Initiation
+Note right: Custom code on merchant webpage can encrypt payload to reduce PCI burden from SAQ D to SAQ A-EP
 
 opt
 	Payee->Payee: Store Card
 	note right: Merchant can store card details apart from CVV (even if encrypted) for future use (a.k.a. Card on File)
 end
 
-Payee-\MPSP: Authorise(payload)
+Payee-\MPSP: Authorise
 	
-Opt
+== 3DS part of flow ==
+
 	MPSP –> CSD: BIN to URL lookup (VAReq message)
 	CSD -> CSD: Lookup URL from BIN
 	CSD –> CPSPW : “PING” 
@@ -54,7 +54,8 @@ Opt
 	Payee-\MPSP: 3DS response (PARes message)
 
 	MPSP->MPSP: Verification of PARes signature
-End
+
+== End of 3DS ==
 	
 
 MPSP-\CPSP: Authorisation Request
@@ -64,9 +65,15 @@ MPSP-/Payee: Authorisation Response
 
 Payee->Payer: Result Page
 
-== Acquiring process (within some days) ==
+== Request for Settlement process (could be immediate, batch (e.g. daily) or after some days) ==
 
-Payee -> MPSP : Capture
+Alt
+	Payee -> MPSP : Capture
+	note right: Later Capture may be called, for example after good shipped or tickets pickedup
+Else
+	MPSP -> MPSP : Auto Capture in batch processing at end-of-day
+End	
+	
 MPSP->CPSP: Capture
 
 @enduml