CMB - Updated pay bill articles for clarity

Author: bandersmsft

articles/cost-management-billing/manage/change-credit-card.md

@@ -7,7 +7,7 @@ tags: billing
 ms.service: cost-management-billing
 ms.subservice: billing
 ms.topic: how-to
-ms.date: 12/10/2021
+ms.date: 03/11/2022
 ms.author: banders
 ---
 
@@ -22,7 +22,7 @@ In the Azure portal, you can change your default payment method to a new credit
 
 If you want to a delete credit card, see [Delete an Azure billing payment method](delete-azure-payment-method.md).
 
-The supported payment methods for Microsoft Azure are credit cards and check/wire transfer. To get approved to pay by check/wire transfer, see [Pay for your Azure subscription by check or wire transfer](pay-by-invoice.md).
+The supported payment methods for Microsoft Azure are credit cards, debit cards, and check wire transfer. To get approved to pay by check wire transfer, see [Pay for your Azure subscription by check or wire transfer](pay-by-invoice.md).
 
 With a Microsoft Customer Agreement, your payment methods are associated with billing profiles. Learn how to [check access to a Microsoft Customer Agreement](#check-the-type-of-your-account).
 
@@ -98,7 +98,7 @@ The following sections apply to customers who have a Microsoft Customer Agreemen
 
 If you have a Microsoft Customer Agreement, your credit card is associated with a billing profile. To change the payment method for a billing profile, you must be the person who signed up for Azure and created the billing account or you must have the correct [MCA permissions](understand-mca-roles.md).
 
-If you'd like to change your billing profile's default payment method to check/wire transfer, see [Pay for Azure subscriptions by invoice](pay-by-invoice.md).
+If you'd like to change your billing profile's default payment method to check wire transfer, see [Pay for Azure subscriptions by invoice](pay-by-invoice.md).
 
 To change your credit card, follow these steps:
 

articles/cost-management-billing/manage/resolve-past-due-balance.md

@@ -7,7 +7,7 @@ tags: billing
 ms.service: cost-management-billing
 ms.subservice: billing
 ms.topic: how-to
-ms.date: 10/27/2021
+ms.date: 03/11/2022
 ms.author: banders
 ---
 
@@ -17,9 +17,9 @@ This article applies to customers who signed up for Azure online with a credit c
 
 If you have a Microsoft Customer Agreement billing account, see [Pay Microsoft Customer Agreement bill](../understand/pay-bill.md) instead.
 
-If your payment isn't received or if we can't process your payment, you will get an email and see an alert in the Azure portal telling you that your subscription is past due. The email contains a link that takes you to the Settle balance page.
+If your payment isn't received or if we can't process your payment, you'll get an email and see an alert in the Azure portal telling you that your subscription is past due. The email contains a link that takes you to the Settle balance page.
 
-If your default payment method is credit card, the [Account Administrator](add-change-subscription-administrator.md#whoisaa) can settle the outstanding charges in the Azure portal. If you pay by invoice (check/wire transfer), send your payment to the location listed at the bottom of your invoice.
+If your default payment method is credit card, the [Account Administrator](add-change-subscription-administrator.md#whoisaa) can settle the outstanding charges in the Azure portal. If you pay by invoice (check wire transfer), send your payment to the location listed at the bottom of your invoice.
 
 > [!IMPORTANT]
 > * If you have multiple subscriptions using the same credit card and they are all past due, you must pay the entire outstanding balance at once.
@@ -30,22 +30,59 @@ If your default payment method is credit card, the [Account Administrator](add-c
 1. Sign in to the [Azure portal](https://portal.azure.com) as the Account Admin.
 1. Search for **Cost Management + Billing**.
 1. Select the past due subscription from the **Overview** page.
-1. In the **Subscription overview** page, click the red past due banner to settle the balance.
+1. In the **Subscription overview** page, select the red past due banner to settle the balance.
     > [!NOTE]
     > If you are not the Account Administrator, you will not be able to settle the balance.
     - If your account is in good standing, you won’t see any banners.
     - If your account has a bill ready to be paid, you’ll see a blue banner that takes you to the Settle balance page. You’ll also receive an email that has a link to the Settle balance page.
     - If your account is past due, you’ll see a red banner that says your account is past due that takes you to the Settle balance page. You’ll also receive an email that has a link to the Settle balance page.
-1. In the new **Settle balance** page, click **Select payment method**.
-1. In the new blade on the right, select a credit card from the drop-down or add a new one by clicking the blue **Add new payment method** link. This credit card will become the active payment method for all subscriptions currently using the failed payment method.
+1. In the new **Settle balance** page, select **Select payment method**.
+1. In the new area on the right, select a credit card from the drop-down or add a new one by selecting the blue **Add new payment method** link. This credit card will become the active payment method for all subscriptions currently using the failed payment method.
      > [!NOTE]
      > * The total outstanding balance reflects outstanding charges across all Microsoft services using the failed payment method.
      > * If the selected payment method also has outstanding charges for Microsoft services, this will be reflected in the total outstanding balance. You must pay those outstanding charges, too.
-1. Click **Pay**.
+1. Select **Pay**.
+
+## Settle balance might be Pay now
+
+Users in the following counties/locales don't see the **Settle balance** option. Instead, they use the [Pay now](../understand/pay-bill.md#pay-now-in-the-azure-portal) option to pay their bill.
+
+- AT - Austria
+- AU - Australia
+- BE - Belgium
+- BG - Bulgaria
+- CA - Canada
+- CH - Switzerland
+- CZ - Czech Republic
+- DE - Germany
+- DK - Denmark
+- EE - Estonia
+- ES - Spain
+- FI - Finland
+- FR - France
+- GB - United Kingdom
+- GR - Greece
+- HR - Croatia
+- HU - Hungary
+- IE - Ireland
+- IT - Italy
+- JP - Japan
+- KR - South Korea
+- LT - Lithuania
+- LV - Latvia
+- NL - Netherlands
+- NO - Norway
+- NZ - New Zealand
+- PL - Poland
+- PT - Portugal
+- RO - Romania
+- SE - Sweden
+- SK - Slovakia
+- TW - Taiwan
 
 ## Troubleshoot declined credit card
 
-If your credit card charge is declined by your financial institution, please reach out to your financial institution to resolve the issue. Check with your bank to make sure:
+If your credit card charge is declined by your financial institution, contact your financial institution to resolve the issue. Check with your bank to make sure:
 - International transactions are enabled on the card.
 - The card has sufficient credit limit or funds to settle the balance.
 - Recurring payments are enabled on the card.

articles/cost-management-billing/understand/pay-bill.md

@@ -8,7 +8,7 @@ tags: billing, past due, pay now, bill, invoice, pay
 ms.service: cost-management-billing
 ms.subservice: billing
 ms.topic: how-to
-ms.date: 12/17/2021
+ms.date: 03/11/2022
 ms.author: banders
 ---
 
@@ -228,6 +228,10 @@ To pay invoices in the Azure portal, you must have the correct [MCA permissions]
 
 The invoice status shows *paid* within 24 hours.
 
+## Pay now might be unavailable
+
+If you have an Microsoft Online Services Program account (pay-as-you-go account), the **Pay now** option might be unavailable. Instead, you might see a **Settle balance** banner. If so, see [Resolve past due balance](../manage/resolve-past-due-balance.md#resolve-past-due-balance-in-the-azure-portal).
+
 ## Check access to a Microsoft Customer Agreement
 [!INCLUDE [billing-check-mca](../../../includes/billing-check-mca.md)]