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  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-customer</loc>
    <lastmod>2026-07-06T13:29:22.882Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-intent</loc>
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  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-link</loc>
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  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-transfer</loc>
    <lastmod>2026-07-06T13:29:22.874Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/api-reference/retrieve-a-transaction</loc>
    <lastmod>2026-07-06T13:29:22.914Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/api-reference</loc>
    <lastmod>2026-07-06T13:29:29.174Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/introduction</loc>
    <lastmod>2026-07-06T13:29:29.174Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/billing/invoices/lifecycle</loc>
    <lastmod>2026-07-06T13:29:30.281Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/billing/invoices/quickstart</loc>
    <lastmod>2026-07-06T13:29:30.277Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/types</loc>
    <lastmod>2026-07-06T13:29:30.283Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/authentication</loc>
    <lastmod>2026-07-06T13:29:30.278Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/balances</loc>
    <lastmod>2026-07-06T13:29:30.278Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/coupons</loc>
    <lastmod>2026-07-06T13:29:30.280Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/customers</loc>
    <lastmod>2026-07-06T13:29:30.279Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/mandates</loc>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/payment-links</loc>
    <lastmod>2026-07-06T13:29:30.277Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/transactions</loc>
    <lastmod>2026-07-06T13:29:30.280Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/webhook-cli</loc>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/webhooks</loc>
    <lastmod>2026-07-06T13:29:30.306Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/defi/accept-stablecoin-payments</loc>
    <lastmod>2026-07-06T13:29:30.302Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/defi/offramp</loc>
    <lastmod>2026-07-06T13:29:30.305Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/defi/offramp-resellers</loc>
    <lastmod>2026-07-06T13:29:30.304Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/errors</loc>
    <lastmod>2026-07-06T13:29:30.303Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/installation</loc>
    <lastmod>2026-07-06T13:29:30.304Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/callback_url</loc>
    <lastmod>2026-07-06T13:29:30.306Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/create</loc>
    <lastmod>2026-07-06T13:29:30.333Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/direct-charge</loc>
    <lastmod>2026-07-06T13:29:30.332Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/management</loc>
    <lastmod>2026-07-06T13:29:30.330Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/overview</loc>
    <lastmod>2026-07-06T13:29:30.326Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/refund</loc>
    <lastmod>2026-07-06T13:29:30.330Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/custom</loc>
    <lastmod>2026-07-06T13:29:30.329Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/payments/drop-in</loc>
    <lastmod>2026-07-06T13:29:30.328Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/html-checkout</loc>
    <lastmod>2026-07-06T13:29:30.331Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/modem-inline</loc>
    <lastmod>2026-07-06T13:29:30.329Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/overview</loc>
    <lastmod>2026-07-06T13:29:30.327Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/bulk-payout</loc>
    <lastmod>2026-07-06T13:29:30.359Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/payouts/fees</loc>
    <lastmod>2026-07-06T13:29:30.361Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/mobile-money</loc>
    <lastmod>2026-07-06T13:29:30.357Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/overview</loc>
    <lastmod>2026-07-06T13:29:30.358Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/quickstart</loc>
    <lastmod>2026-07-06T13:29:30.358Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/initialize-payment</loc>
    <lastmod>2026-07-06T13:29:30.353Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/overview</loc>
    <lastmod>2026-07-06T13:29:30.355Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-accounts</loc>
    <lastmod>2026-07-06T13:29:30.352Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/virtual-terminal</loc>
    <lastmod>2026-07-06T13:31:43.913Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/configuration</loc>
    <lastmod>2026-07-06T13:31:43.892Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/quickstart</loc>
    <lastmod>2026-07-06T13:31:43.896Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/usage</loc>
    <lastmod>2026-07-06T13:31:43.890Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/webhooks</loc>
    <lastmod>2026-07-06T13:31:43.898Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/payment-form</loc>
    <lastmod>2026-07-06T13:31:43.894Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/woocommerce</loc>
    <lastmod>2026-07-06T13:31:43.891Z</lastmod>
  </url>
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