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  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-customer</loc>
    <lastmod>2026-11-08T20:01:25.623Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-intent</loc>
    <lastmod>2026-11-08T20:01:25.579Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-link</loc>
    <lastmod>2026-11-08T20:01:25.594Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-transfer</loc>
    <lastmod>2026-11-08T20:01:25.610Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/retrieve-a-transaction</loc>
    <lastmod>2026-11-08T20:01:25.637Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/api-reference</loc>
    <lastmod>2026-11-08T09:28:12.799Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/introduction</loc>
    <lastmod>2026-11-08T09:28:12.801Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/lifecycle</loc>
    <lastmod>2026-11-08T09:28:12.802Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/quickstart</loc>
    <lastmod>2026-11-08T09:28:10.940Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/types</loc>
    <lastmod>2026-11-08T09:28:10.931Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/authentication</loc>
    <lastmod>2026-11-08T09:28:10.948Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/cli</loc>
    <lastmod>2026-11-08T09:28:10.945Z</lastmod>
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  <url>
    <loc>https://docs.modempay.com/documentation/core/balances</loc>
    <lastmod>2026-11-08T09:28:10.946Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/coupons</loc>
    <lastmod>2026-11-08T09:28:10.928Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/customers</loc>
    <lastmod>2026-11-08T09:28:10.951Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/mandates</loc>
    <lastmod>2026-11-08T09:28:10.948Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/payment-links</loc>
    <lastmod>2026-11-08T09:28:10.949Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/transactions</loc>
    <lastmod>2026-11-08T09:28:10.935Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhooks</loc>
    <lastmod>2026-11-08T20:01:26.848Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/errors</loc>
    <lastmod>2026-11-08T20:01:26.847Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/installation</loc>
    <lastmod>2026-11-08T09:28:10.946Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/introduction</loc>
    <lastmod>2026-11-08T09:28:10.935Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/callback_url</loc>
    <lastmod>2026-11-08T09:28:10.933Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/create</loc>
    <lastmod>2026-11-08T09:28:10.930Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/direct-charge</loc>
    <lastmod>2026-11-08T09:30:19.520Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/management</loc>
    <lastmod>2026-11-08T09:28:10.936Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/overview</loc>
    <lastmod>2026-11-08T09:28:10.943Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/refund</loc>
    <lastmod>2026-11-08T09:28:10.950Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/custom</loc>
    <lastmod>2026-11-08T09:28:10.947Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/drop-in</loc>
    <lastmod>2026-11-08T09:28:10.942Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/html-checkout</loc>
    <lastmod>2026-11-08T09:28:10.934Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/modem-inline</loc>
    <lastmod>2026-11-08T09:28:10.932Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payments/overview</loc>
    <lastmod>2026-11-08T09:28:10.940Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/bulk-payout</loc>
    <lastmod>2026-11-08T09:28:10.944Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/daily-limits</loc>
    <lastmod>2026-11-08T20:01:26.846Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/fees</loc>
    <lastmod>2026-11-08T09:28:10.933Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/mobile-money</loc>
    <lastmod>2026-11-08T09:28:10.959Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/overview</loc>
    <lastmod>2026-11-08T20:01:26.847Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/payout-channels</loc>
    <lastmod>2026-11-08T09:28:10.928Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/reversals</loc>
    <lastmod>2026-11-08T09:28:10.941Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/quickstart</loc>
    <lastmod>2026-11-08T09:28:10.939Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/initialize-payment</loc>
    <lastmod>2026-11-08T09:28:10.951Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/overview</loc>
    <lastmod>2026-11-08T09:28:10.929Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-account-groups</loc>
    <lastmod>2026-11-08T09:28:10.931Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-accounts</loc>
    <lastmod>2026-11-08T09:28:10.927Z</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/test-mode</loc>
    <lastmod>2026-11-08T09:28:10.926Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/virtual-terminal</loc>
    <lastmod>2026-11-08T09:28:10.868Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/configuration</loc>
    <lastmod>2026-11-08T09:28:10.925Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/quickstart</loc>
    <lastmod>2026-11-08T09:28:10.924Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/usage</loc>
    <lastmod>2026-11-08T09:28:10.867Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/webhooks</loc>
    <lastmod>2026-11-08T09:28:10.868Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/payment-form</loc>
    <lastmod>2026-11-08T09:28:10.952Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/woocommerce</loc>
    <lastmod>2026-11-08T09:28:10.925Z</lastmod>
  </url>
</urlset>