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  <url>
    <loc>https://docs.payaza.africa/api-reference/apple-pay-and-google-pay/initiate-payment</loc>
    <lastmod>2026-08-21T18:08:07.398Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/authorize-transaction</loc>
    <lastmod>2026-08-21T18:08:07.656Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/capture-transaction</loc>
    <lastmod>2026-08-21T18:08:07.667Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/get-all-authorizations</loc>
    <lastmod>2026-08-21T18:08:07.710Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/get-single-authorization</loc>
    <lastmod>2026-08-21T18:08:07.697Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/void-transaction</loc>
    <lastmod>2026-08-21T18:08:07.679Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/branches/fetch-all-branches</loc>
    <lastmod>2026-08-21T18:08:07.639Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/card-charge</loc>
    <lastmod>2026-08-21T18:08:07.517Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/check-refund-status</loc>
    <lastmod>2026-08-21T18:08:07.543Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/check-transaction-status</loc>
    <lastmod>2026-08-21T18:08:07.529Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/check-transaction-statusmerchant-reference/check-transaction-statusmerchant-reference</loc>
    <lastmod>2026-08-21T18:08:07.790Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/flutter</loc>
    <lastmod>2026-04-17T10:54:40.056Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/iosswift</loc>
    <lastmod>2026-04-17T10:54:40.064Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/paymentpage</loc>
    <lastmod>2026-08-20T10:07:53.160Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/reactnative</loc>
    <lastmod>2026-04-17T10:54:40.985Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/websdk</loc>
    <lastmod>2026-07-16T08:18:30.858Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/wordpress</loc>
    <lastmod>2026-08-21T18:08:19.073Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-and-zar-collections/momo-xof-and-zar-process-collection</loc>
    <lastmod>2026-08-21T18:08:07.737Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-and-zar-collections/test-account-funding</loc>
    <lastmod>2026-08-21T18:08:07.765Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-and-zar-collections/transaction-status-query</loc>
    <lastmod>2026-08-21T18:08:07.754Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-and-zar-collections/xof-process-otp</loc>
    <lastmod>2026-08-21T18:08:07.776Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payaza-account/view-payaza-account-details</loc>
    <lastmod>2026-08-21T18:08:07.354Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/accept-or-reject-chargeback</loc>
    <lastmod>2026-08-21T18:08:07.600Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/chargeback-request</loc>
    <lastmod>2026-08-21T18:08:07.613Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/chargeback-transaction-history</loc>
    <lastmod>2026-08-21T18:08:07.628Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/fetch-refund-history</loc>
    <lastmod>2026-08-21T18:08:07.590Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/initiate-refund</loc>
    <lastmod>2026-08-21T18:08:07.578Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/create-split-account</loc>
    <lastmod>2026-08-21T18:08:08.113Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/delete-split-account</loc>
    <lastmod>2026-08-21T18:08:08.178Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/fetch-split-accounts</loc>
    <lastmod>2026-08-21T18:08:08.203Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/update-split-account</loc>
    <lastmod>2026-08-21T18:08:08.145Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/sub-accounts/create-a-subaccount</loc>
    <lastmod>2026-08-21T18:08:07.369Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/sub-accounts/view-payaza-sub-account-details</loc>
    <lastmod>2026-08-21T18:08:07.381Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-charge/charge-now</loc>
    <lastmod>2026-08-21T18:08:07.862Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-charge/create-custom-charge</loc>
    <lastmod>2026-08-21T18:08:07.877Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-invoices/get-invoice</loc>
    <lastmod>2026-08-21T18:08:08.040Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-invoices/list-invoices</loc>
    <lastmod>2026-08-21T18:08:08.024Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/cancel-subscription</loc>
    <lastmod>2026-08-21T18:08:07.898Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/change-plan</loc>
    <lastmod>2026-08-21T18:08:07.941Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/pause-subscription</loc>
    <lastmod>2026-08-21T18:08:07.911Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/resume-subscription</loc>
    <lastmod>2026-08-21T18:08:07.929Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/create-plan</loc>
    <lastmod>2026-08-21T18:08:07.801Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/get-plan-details</loc>
    <lastmod>2026-08-21T18:08:07.825Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/list-plans</loc>
    <lastmod>2026-08-21T18:08:07.815Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/update-plan-details</loc>
    <lastmod>2026-08-21T18:08:07.839Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/get-subscription</loc>
    <lastmod>2026-08-21T18:08:07.954Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/list-subscription</loc>
    <lastmod>2026-08-21T18:08:07.967Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/subscription-charge-history</loc>
    <lastmod>2026-08-21T18:08:07.989Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/subscription-event-history</loc>
    <lastmod>2026-08-21T18:08:08.003Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/upcoming-charges</loc>
    <lastmod>2026-08-21T18:08:07.978Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscriptions/create-subscription</loc>
    <lastmod>2026-08-21T18:08:07.851Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/bank-codes</loc>
    <lastmod>2026-08-21T18:08:07.343Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/get-account-name-enquiry</loc>
    <lastmod>2026-08-21T18:08:07.330Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/initiate-a-transfer</loc>
    <lastmod>2026-08-21T18:08:07.297Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/transaction-status-query</loc>
    <lastmod>2026-08-21T18:08:07.318Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/create-staticdynamic-virtual-account</loc>
    <lastmod>2026-08-21T18:08:07.414Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/fund-test-virtual-account</loc>
    <lastmod>2026-08-21T18:08:07.455Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/get-virtual-account-status</loc>
    <lastmod>2026-08-21T18:08:07.426Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/transaction-status-query</loc>
    <lastmod>2026-08-21T18:08:07.441Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/apple-google-pay</loc>
    <lastmod>2026-07-15T09:13:30.651Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/auth-capture-void</loc>
    <lastmod>2026-06-11T13:16:28.975Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/authentication</loc>
    <lastmod>2026-06-11T09:07:01.341Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/card-collection</loc>
    <lastmod>2026-06-04T18:50:59.234Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/collections-overview</loc>
    <lastmod>2026-06-11T13:16:28.972Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/errors</loc>
    <lastmod>2026-06-02T21:29:13.303Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/getting-started</loc>
    <lastmod>2026-06-19T13:54:26.985Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/momo-collections</loc>
    <lastmod>2026-08-21T18:08:19.193Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/payaza-account</loc>
    <lastmod>2026-06-02T21:29:15.978Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/refunds-chargebacks</loc>
    <lastmod>2026-06-11T09:07:01.340Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/split-settlements</loc>
    <lastmod>2026-07-16T08:18:30.856Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/sub-accounts</loc>
    <lastmod>2026-06-11T13:16:28.997Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/subscription-lifecycle</loc>
    <lastmod>2026-08-20T10:07:53.151Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/subscription-plans</loc>
    <lastmod>2026-08-20T10:07:53.154Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/subscription-reads</loc>
    <lastmod>2026-08-20T10:07:53.157Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/subscriptions</loc>
    <lastmod>2026-08-20T10:07:53.120Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/testcards</loc>
    <lastmod>2026-06-02T21:29:15.975Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/transfers</loc>
    <lastmod>2026-07-22T15:38:36.200Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/virtual-accounts</loc>
    <lastmod>2026-08-13T11:41:23.646Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/webcheckoutguide</loc>
    <lastmod>2026-06-02T21:29:15.976Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/webhooks</loc>
    <lastmod>2026-08-13T11:41:23.653Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/introduction</loc>
    <lastmod>2026-07-24T13:43:24.123Z</lastmod>
  </url>
</urlset>