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  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-customer</loc>
    <lastmod>2026-10-14T18:38:14.904Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-intent</loc>
    <lastmod>2026-10-14T18:38:14.869Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-link</loc>
    <lastmod>2026-10-14T18:38:14.881Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-transfer</loc>
    <lastmod>2026-10-14T18:38:14.892Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/retrieve-a-transaction</loc>
    <lastmod>2026-10-14T18:38:14.915Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/api-reference</loc>
    <lastmod>2026-10-14T18:38:17.195Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/introduction</loc>
    <lastmod>2026-10-14T18:38:17.196Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/lifecycle</loc>
    <lastmod>2026-10-14T18:38:17.197Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/quickstart</loc>
    <lastmod>2026-10-14T18:38:16.820Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/types</loc>
    <lastmod>2026-10-14T18:38:16.819Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/authentication</loc>
    <lastmod>2026-10-14T18:38:16.830Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/balances</loc>
    <lastmod>2026-10-14T18:38:16.829Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/coupons</loc>
    <lastmod>2026-10-14T18:38:16.817Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/customers</loc>
    <lastmod>2026-10-14T18:38:16.816Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/mandates</loc>
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  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/payment-links</loc>
    <lastmod>2026-10-14T18:38:16.824Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/transactions</loc>
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  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhook-cli</loc>
    <lastmod>2026-10-14T18:38:16.812Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhooks</loc>
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  <url>
    <loc>https://docs.modempay.com/documentation/errors</loc>
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  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/installation</loc>
    <lastmod>2026-10-14T18:38:16.809Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/callback_url</loc>
    <lastmod>2026-10-14T18:38:16.808Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/create</loc>
    <lastmod>2026-10-14T18:38:16.807Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/direct-charge</loc>
    <lastmod>2026-10-14T18:38:16.807Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/management</loc>
    <lastmod>2026-10-14T18:38:16.806Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/overview</loc>
    <lastmod>2026-10-14T18:38:16.805Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/refund</loc>
    <lastmod>2026-10-14T18:38:16.804Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/custom</loc>
    <lastmod>2026-10-14T18:38:16.803Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/drop-in</loc>
    <lastmod>2026-10-14T18:38:16.803Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/html-checkout</loc>
    <lastmod>2026-10-14T18:38:16.802Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/modem-inline</loc>
    <lastmod>2026-10-14T18:38:16.818Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/overview</loc>
    <lastmod>2026-10-14T18:38:16.846Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/bulk-payout</loc>
    <lastmod>2026-10-14T18:38:16.847Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/fees</loc>
    <lastmod>2026-10-14T18:38:16.801Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/mobile-money</loc>
    <lastmod>2026-10-14T18:38:16.798Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/overview</loc>
    <lastmod>2026-10-14T18:38:16.814Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/quickstart</loc>
    <lastmod>2026-10-11T12:25:58.255Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/initialize-payment</loc>
    <lastmod>2026-10-14T18:38:16.793Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/overview</loc>
    <lastmod>2026-10-14T18:38:16.799Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-account-groups</loc>
    <lastmod>2026-10-14T18:38:16.813Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-accounts</loc>
    <lastmod>2026-10-14T18:38:16.790Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/stablecoins/accept-payments</loc>
    <lastmod>2026-10-14T18:38:16.788Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/stablecoins/convert-to-dalasi</loc>
    <lastmod>2026-10-14T18:38:16.789Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/stablecoins/overview</loc>
    <lastmod>2026-10-14T18:38:16.787Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/stablecoins/price-estimates</loc>
    <lastmod>2026-10-14T18:38:16.790Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/stablecoins/resellers</loc>
    <lastmod>2026-10-14T18:38:16.794Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/virtual-terminal</loc>
    <lastmod>2026-10-14T18:38:16.800Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/configuration</loc>
    <lastmod>2026-10-14T18:38:16.791Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/quickstart</loc>
    <lastmod>2026-10-14T18:38:16.786Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/usage</loc>
    <lastmod>2026-10-14T18:38:16.784Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/webhooks</loc>
    <lastmod>2026-10-14T18:38:16.785Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/payment-form</loc>
    <lastmod>2026-10-14T18:38:16.783Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/woocommerce</loc>
    <lastmod>2026-10-14T18:38:16.785Z</lastmod>
  </url>
</urlset>