<?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>2026-03-27T19:26:18.663Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-intent</loc>
    <lastmod>2026-03-27T19:26:18.620Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-payment-link</loc>
    <lastmod>2026-03-27T19:26:18.635Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/create-a-transfer</loc>
    <lastmod>2026-03-27T19:26:18.649Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/api-reference/retrieve-a-transaction</loc>
    <lastmod>2026-03-27T19:26:18.678Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/api-reference</loc>
    <lastmod>2026-02-27T00:15:38.300Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/introduction</loc>
    <lastmod>2026-02-27T00:15:38.289Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/lifecycle</loc>
    <lastmod>2026-02-27T00:15:38.534Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/quickstart</loc>
    <lastmod>2026-02-27T00:15:38.531Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/billing/invoices/types</loc>
    <lastmod>2026-02-27T00:15:38.530Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/authentication</loc>
    <lastmod>2026-02-27T00:15:38.532Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/balances</loc>
    <lastmod>2026-02-27T00:15:38.533Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/coupons</loc>
    <lastmod>2026-02-27T00:15:38.532Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/customers</loc>
    <lastmod>2026-02-27T00:15:38.534Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/mandates</loc>
    <lastmod>2026-02-27T00:15:38.536Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/payment-links</loc>
    <lastmod>2026-02-27T00:15:38.535Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/transactions</loc>
    <lastmod>2026-02-27T00:15:38.535Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhook-cli</loc>
    <lastmod>2026-02-27T00:15:38.566Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/core/webhooks</loc>
    <lastmod>2026-02-27T00:15:38.567Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/errors</loc>
    <lastmod>2026-02-27T00:15:38.568Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/installation</loc>
    <lastmod>2026-02-27T00:15:38.557Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/callback_url</loc>
    <lastmod>2026-02-27T00:15:38.556Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/create</loc>
    <lastmod>2026-02-27T00:15:38.555Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/direct-charge</loc>
    <lastmod>2026-03-27T19:26:22.879Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/management</loc>
    <lastmod>2026-02-27T00:15:38.555Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payment-intents/overview</loc>
    <lastmod>2026-02-27T00:15:38.590Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/fees</loc>
    <lastmod>2026-02-27T00:15:38.593Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/mobile-money</loc>
    <lastmod>2026-02-27T00:15:38.595Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/payouts/overview</loc>
    <lastmod>2026-02-27T00:15:38.591Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/quickstart</loc>
    <lastmod>2026-02-27T00:15:38.594Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/initialize-payment</loc>
    <lastmod>2026-02-27T00:15:38.596Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/overview</loc>
    <lastmod>2026-02-27T00:15:38.594Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/split-payments/sub-accounts</loc>
    <lastmod>2026-02-27T00:15:38.596Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/documentation/virtual-terminal</loc>
    <lastmod>2026-02-27T00:15:38.615Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/configuration</loc>
    <lastmod>2026-02-27T00:15:38.619Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/quickstart</loc>
    <lastmod>2026-02-27T00:15:38.616Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/usage</loc>
    <lastmod>2026-02-27T00:15:38.617Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/laravel/webhooks</loc>
    <lastmod>2026-02-27T00:15:38.620Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/payments/custom</loc>
    <lastmod>2026-02-27T00:15:38.616Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/payments/html-checkout</loc>
    <lastmod>2026-02-27T00:15:38.618Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/payments/modem-inline</loc>
    <lastmod>2026-02-27T00:15:38.622Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/payments/overview</loc>
    <lastmod>2026-02-27T00:15:38.622Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/payment-form</loc>
    <lastmod>2026-02-27T00:15:39.359Z</lastmod>
  </url>

  <url>
    <loc>https://docs.modempay.com/plugins/woocommerce</loc>
    <lastmod>2026-02-27T00:15:39.360Z</lastmod>
  </url>
</urlset>