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  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-customer</loc>
    <lastmod>2026-06-23T08:56:27.928Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-intent</loc>
    <lastmod>2026-06-23T08:56:27.898Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-link</loc>
    <lastmod>2026-06-23T08:56:27.908Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-transfer</loc>
    <lastmod>2026-06-23T08:56:27.918Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/retrieve-a-transaction</loc>
    <lastmod>2026-06-23T08:56:27.937Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/api-reference</loc>
    <lastmod>2026-06-23T08:56:34.078Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/introduction</loc>
    <lastmod>2026-06-23T08:56:34.078Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/lifecycle</loc>
    <lastmod>2026-06-23T08:56:34.103Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/quickstart</loc>
    <lastmod>2026-06-23T08:56:34.090Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/types</loc>
    <lastmod>2026-06-23T08:56:34.105Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/authentication</loc>
    <lastmod>2026-06-23T08:56:34.105Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/balances</loc>
    <lastmod>2026-06-23T08:56:34.101Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/coupons</loc>
    <lastmod>2026-06-23T08:56:34.103Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/customers</loc>
    <lastmod>2026-06-23T08:56:34.102Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/mandates</loc>
    <lastmod>2026-06-23T08:56:34.101Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/payment-links</loc>
    <lastmod>2026-06-23T08:56:34.100Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/transactions</loc>
    <lastmod>2026-06-23T08:56:34.099Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhook-cli</loc>
    <lastmod>2026-06-23T08:56:34.130Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhooks</loc>
    <lastmod>2026-06-23T08:56:34.129Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/defi/accept-stablecoin-payments</loc>
    <lastmod>2026-06-23T08:56:34.128Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/defi/offramp</loc>
    <lastmod>2026-06-23T08:56:34.126Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/defi/offramp-resellers</loc>
    <lastmod>2026-06-23T08:56:34.129Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/errors</loc>
    <lastmod>2026-06-23T08:56:34.125Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/installation</loc>
    <lastmod>2026-06-23T08:56:34.127Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/callback_url</loc>
    <lastmod>2026-06-23T08:56:34.125Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/create</loc>
    <lastmod>2026-06-23T08:56:34.811Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/direct-charge</loc>
    <lastmod>2026-06-23T08:56:34.809Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/management</loc>
    <lastmod>2026-06-23T08:56:34.810Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/overview</loc>
    <lastmod>2026-06-23T08:56:34.796Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/refund</loc>
    <lastmod>2026-06-23T08:56:34.808Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/custom</loc>
    <lastmod>2026-06-23T08:56:34.807Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/drop-in</loc>
    <lastmod>2026-06-23T08:56:34.806Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/html-checkout</loc>
    <lastmod>2026-06-23T08:56:34.806Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/modem-inline</loc>
    <lastmod>2026-06-23T08:56:34.808Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/overview</loc>
    <lastmod>2026-06-23T08:56:34.809Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/fees</loc>
    <lastmod>2026-06-23T08:56:34.839Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/mobile-money</loc>
    <lastmod>2026-06-23T08:56:34.838Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/overview</loc>
    <lastmod>2026-06-23T08:56:34.836Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/quickstart</loc>
    <lastmod>2026-06-23T08:56:34.835Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/initialize-payment</loc>
    <lastmod>2026-06-23T08:56:34.835Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/overview</loc>
    <lastmod>2026-06-23T08:56:34.833Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-accounts</loc>
    <lastmod>2026-06-23T08:56:34.832Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/virtual-terminal</loc>
    <lastmod>2026-06-23T08:56:34.834Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/configuration</loc>
    <lastmod>2026-06-23T08:56:34.858Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/quickstart</loc>
    <lastmod>2026-06-23T08:56:34.857Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/usage</loc>
    <lastmod>2026-06-23T08:56:34.858Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/webhooks</loc>
    <lastmod>2026-06-23T08:56:34.856Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/payment-form</loc>
    <lastmod>2026-06-23T08:56:34.856Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/woocommerce</loc>
    <lastmod>2026-06-23T08:56:34.855Z</lastmod>
  </url>
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