<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
    
  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-customer</loc>
    <lastmod>2026-10-11T13:02:48.150Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-intent</loc>
    <lastmod>2026-10-11T13:02:48.119Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-link</loc>
    <lastmod>2026-10-11T13:02:48.130Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-transfer</loc>
    <lastmod>2026-10-11T13:02:48.140Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/retrieve-a-transaction</loc>
    <lastmod>2026-10-11T13:02:48.161Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/api-reference</loc>
    <lastmod>2026-10-11T12:25:58.900Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/introduction</loc>
    <lastmod>2026-10-11T12:25:58.260Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/lifecycle</loc>
    <lastmod>2026-10-11T12:25:58.269Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/quickstart</loc>
    <lastmod>2026-10-11T12:25:58.266Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/types</loc>
    <lastmod>2026-10-11T12:25:58.266Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/authentication</loc>
    <lastmod>2026-10-11T12:25:58.264Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/balances</loc>
    <lastmod>2026-10-11T12:25:58.263Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/coupons</loc>
    <lastmod>2026-10-11T12:25:58.264Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/customers</loc>
    <lastmod>2026-10-11T12:25:58.265Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/mandates</loc>
    <lastmod>2026-10-11T12:25:58.268Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/payment-links</loc>
    <lastmod>2026-10-11T12:25:58.267Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/transactions</loc>
    <lastmod>2026-10-11T12:25:58.257Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhook-cli</loc>
    <lastmod>2026-10-11T12:25:58.262Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhooks</loc>
    <lastmod>2026-10-11T12:25:58.256Z</lastmod>
  </url>

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

  <url>
    <loc>https://docs.modempay.com/documentation/defi/offramp</loc>
    <lastmod>2026-10-11T12:25:58.218Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/defi/offramp-resellers</loc>
    <lastmod>2026-10-11T12:25:58.259Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/errors</loc>
    <lastmod>2026-10-11T12:25:58.256Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/installation</loc>
    <lastmod>2026-10-11T12:25:58.261Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/callback_url</loc>
    <lastmod>2026-10-11T12:25:58.273Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/create</loc>
    <lastmod>2026-10-11T12:25:58.273Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/direct-charge</loc>
    <lastmod>2026-10-11T12:25:58.268Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/management</loc>
    <lastmod>2026-10-11T12:25:58.262Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/overview</loc>
    <lastmod>2026-10-11T12:25:58.258Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/refund</loc>
    <lastmod>2026-10-11T12:25:58.261Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/custom</loc>
    <lastmod>2026-10-11T12:25:58.254Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/drop-in</loc>
    <lastmod>2026-10-11T12:25:58.258Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/html-checkout</loc>
    <lastmod>2026-10-11T12:25:58.263Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/modem-inline</loc>
    <lastmod>2026-10-11T12:25:58.267Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/overview</loc>
    <lastmod>2026-10-11T12:25:58.253Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/bulk-payout</loc>
    <lastmod>2026-10-11T12:25:58.254Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/fees</loc>
    <lastmod>2026-10-11T12:25:58.259Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/mobile-money</loc>
    <lastmod>2026-10-11T12:25:58.269Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/overview</loc>
    <lastmod>2026-10-11T12:25:58.252Z</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>2026-10-11T12:25:58.257Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/overview</loc>
    <lastmod>2026-10-11T12:25:58.216Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-account-groups</loc>
    <lastmod>2026-10-11T13:02:48.461Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-accounts</loc>
    <lastmod>2026-10-11T12:25:58.214Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/virtual-terminal</loc>
    <lastmod>2026-10-11T12:25:58.214Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/configuration</loc>
    <lastmod>2026-10-11T12:25:58.213Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/quickstart</loc>
    <lastmod>2026-10-11T12:25:58.217Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/usage</loc>
    <lastmod>2026-10-11T12:25:58.216Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/webhooks</loc>
    <lastmod>2026-10-11T12:25:58.215Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/payment-form</loc>
    <lastmod>2026-10-11T12:25:58.218Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/woocommerce</loc>
    <lastmod>2026-10-11T12:25:58.219Z</lastmod>
  </url>
</urlset>