diff --git a/source/api_reference/search_payments_reference/index.html.md.erb b/source/api_reference/search_payments_reference/index.html.md.erb
index 80f8cb1d..b3ce2231 100644
--- a/source/api_reference/search_payments_reference/index.html.md.erb
+++ b/source/api_reference/search_payments_reference/index.html.md.erb
@@ -186,7 +186,7 @@ After you send your request to search payments, you’ll receive a response simi
| `settlement_summary.capture_submit_time` | date (ISO 8601) | The date and time GOV.UK Pay asked your payment service provider to take the payment from your user's account.
This value uses Coordinated Universal Time (UTC) and ISO 8601 format - `YYYY-MM-DDThh:mm:ss.sssZ`.
`capture_submit_time` only appears if GOV.UK Pay has asked your PSP to take the payment. |
| `settlement_summary.captured_date` | date (ISO 8601) | The date your payment service provider took the payment from your user.
This value appears in ISO 8601 format - `YYYY-MM-DD`.
`captured_date` only appears if your payment service provider has taken the payment. |
| `settlement_summary.settled_date` | date (ISO 8601) | The date your payment service provider sent the payment to your bank account as part of a payout.
This value appears in ISO 8601 format - `YYYY-MM-DD`.
`settled_date` only appears if your payment service provider is Stripe and they have sent the payment to your bank account. |
-| `card_details` | object | Contains details about the card the user paid with.
`card_details` only appears if the paying user has completed this payment. |
+| `card_details` | object | Contains details about the card the user paid with.
If your user paid with a digital wallet, some information in `card_details` may not match your user's physical card. This is because of [how Apple Pay and Google Pay handle cardholder information](/digital_wallets/#restrictions-of-digital-wallet-payments).
`card_details` does not appear if the paying user has not completed this payment. |
| `card_details.last_digits_card_number` | number | The last 4 digits of the card the user paid with. |
| `card_details.first_digits_card_number` | number | The first 6 digits of the card the user paid with. |
| `card_details.cardholder_name` | string | The cardholder name the user entered when they paid. |
diff --git a/source/api_reference/single_payment_reference/index.html.md.erb b/source/api_reference/single_payment_reference/index.html.md.erb
index d7f85ace..91c7fefd 100644
--- a/source/api_reference/single_payment_reference/index.html.md.erb
+++ b/source/api_reference/single_payment_reference/index.html.md.erb
@@ -145,7 +145,7 @@ After you send your request to get information about a payment, you’ll receive
| `settlement_summary.capture_submit_time` | date (ISO 8601) | The date and time GOV.UK Pay asked your payment service provider to take the payment from your user's account.
This value uses Coordinated Universal Time (UTC) and ISO 8601 format - `YYYY-MM-DDThh:mm:ss.sssZ`.
`capture_submit_time` only appears if GOV.UK Pay has asked your payment service provider to take the payment. |
| `settlement_summary.captured_date` | date (ISO 8601) | The date your payment service provider took the payment from your user.
This value will appear in ISO 8601 format - `YYYY-MM-DD`.
`captured_date` only appears if your payment service provider has taken the payment. |
| `settlement_summary.settled_date` | date (ISO 8601) | The date your payment service provider sent the payment to your bank account as part of a payout.
This value will appear in ISO 8601 format - `YYYY-MM-DD`.
`settled_date` only appears if your payment service provider is Stripe and they have sent the payment to your bank account. |
-| `card_details` | object | Contains details about the card the user paid with.
`card_details` does not appear if the paying user has not completed this payment. |
+| `card_details` | object | Contains details about the card the user paid with.
If your user paid with a digital wallet, some information in `card_details` may not match your user's physical card. This is because of [how Apple Pay and Google Pay handle cardholder information](/digital_wallets/#restrictions-of-digital-wallet-payments).
`card_details` does not appear if the paying user has not completed this payment. |
| `card_details.last_digits_card_number` | number | The last 4 digits of the card the user paid with. |
| `card_details.first_digits_card_number` | number | The first 6 digits of the card the user paid with. |
| `card_details.cardholder_name` | string | The cardholder name the user entered when they paid. |
diff --git a/source/corporate_card_surcharges/index.html.md.erb b/source/corporate_card_surcharges/index.html.md.erb
index d1a5257b..720deecb 100644
--- a/source/corporate_card_surcharges/index.html.md.erb
+++ b/source/corporate_card_surcharges/index.html.md.erb
@@ -11,8 +11,7 @@ GOV.UK Pay supports adding a fee or 'surcharge' if your user pays with a corpora
credit or debit card. You can [contact GOV.UK Pay support](/support_contact_and_more_information/) to ask the team to
set this up for you.
-Each surcharge is a flat amount added to a payment. If you’d like to discuss
-adding surcharges as percentages, please contact us.
+Each surcharge is a flat amount added to a payment. If you’d like to discuss adding surcharges as percentages, please contact us.
You can set a different surcharge for each of the following 3 corporate card types:
@@ -22,10 +21,11 @@ You can set a different surcharge for each of the following 3 corporate card typ
When your user enters a card number in a payment journey, GOV.UK Pay checks to determine if it’s one of the 3 corporate card types. If you have turned on surcharges, we'll tell the user that a surcharge of a certain amount will be added to the total.
-We will not apply a surcharge if we cannot tell if the card is:
+We will not apply a surcharge if:
-- credit or debit
-- prepaid or not - we cannot tell this for most Mastercard cards
+- we cannot tell if the user is using credit or debit card
+- we cannot tell if a card is prepaid or not - we cannot tell this for most Mastercard cards
+- the user pays with [a digital wallet](/digital_wallets) like Apple Pay or Google Pay
You can sign in to the [GOV.UK Pay admin
tool](https://selfservice.payments.service.gov.uk/login) to see the payment
@@ -36,12 +36,8 @@ If a payment has a surcharge applied, the full amount available for refund inclu
If a surcharge is applied to a particular payment, you can see this in API
response fields:
-