Updated with Vishal's feedback

Author: bandersmsft

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

@@ -38,22 +38,25 @@ On 30 September 2022, Microsoft and other online merchants will no longer be sto
 
 [Learn about the Reserve Bank of India directive; Restriction on storage of actual card data ](https://rbidocs.rbi.org.in/rdocs/notification/PDFs/DPSSC09B09841EF3746A0A7DC4783AC90C8F3.PDF)
 
-### UPI and NetBanking payment options 
+### UPI and NetBanking payment options
 
-Azure supports two alternate payment options for customers in India. UPI (Unified Payments Interface) payment is a real-time fund transfer and payment system regulated by the Reserve Bank of India. NetBanking (Internet Banking) facilitates customers with access to banking services on an online platform. 
+Azure supports two alternate payment options for customers in India:
+
+- UPI (Unified Payments Interface) payment is a real-time payment method.
+- NetBanking (Internet Banking) facilitates customers with access to banking services on an online platform.
 
 #### How do I make a payment with UPI or NetBanking?
 
-UPI and NetBanking are only supported for one-time transactions.  
+UPI and NetBanking are only supported for one-time transactions.
 
-To make a payment with UPI or NetBanking: 
+To make a payment with UPI or NetBanking:
 
-1. Select Add a new payment method when you’re making a payment.  
-2. Select UPI / NetBanking.  
-3. You’re redirected to your bank's website where you can process the payment.
-4. On the web page that you're redirected to, enter your credentials. You're prompted to enter a one-time password. 
+1. Select Add a new payment method when you’re making a payment.
+2. Select UPI / NetBanking.
+3. You're redirected to a payment partner, like Billdesk, where your can choose your payment method.
+4. You’re redirected to your bank's website where you can process the payment.
 
-After you submit the payment, allow time for the payment to appear in the Azure portal. 
+After you submit the payment, allow time for the payment to appear in the Azure portal.
 
 #### How am I refunded if I made a payment with UPI or NetBanking?