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  <url>
    <loc>https://docs.payaza.africa/api-reference/apple-pay-and-google-pay/initiate-payment</loc>
    <lastmod>2026-11-12T13:35:05.595Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/authorize-transaction</loc>
    <lastmod>2026-11-12T13:35:05.964Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/capture-transaction</loc>
    <lastmod>2026-11-12T13:35:05.979Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/get-all-authorizations</loc>
    <lastmod>2026-11-12T13:35:05.948Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/get-single-authorization</loc>
    <lastmod>2026-11-12T13:35:06.010Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/void-transaction</loc>
    <lastmod>2026-11-12T13:35:05.995Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/branches/fetch-all-branches</loc>
    <lastmod>2026-11-12T13:35:05.934Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/card-charge</loc>
    <lastmod>2026-11-12T13:35:05.754Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/check-refund-status</loc>
    <lastmod>2026-11-12T13:35:05.783Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/check-transaction-status</loc>
    <lastmod>2026-11-12T13:35:05.768Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/check-transaction-statusmerchant-reference/check-transaction-statusmerchant-reference</loc>
    <lastmod>2026-11-12T13:35:06.025Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/flutter</loc>
    <lastmod>2026-11-12T13:35:09.431Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/iosswift</loc>
    <lastmod>2026-11-12T13:35:09.439Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/paymentpage</loc>
    <lastmod>2026-11-12T13:35:09.440Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/reactnative</loc>
    <lastmod>2026-11-12T13:35:09.437Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/websdk</loc>
    <lastmod>2026-11-12T13:35:09.440Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/wordpress</loc>
    <lastmod>2026-11-12T13:35:09.442Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-xof-and-zar-collections/momo-xof-and-zar-process-collection</loc>
    <lastmod>2026-11-12T13:35:05.870Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-xof-and-zar-collections/test-account-funding</loc>
    <lastmod>2026-11-12T13:35:05.907Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-xof-and-zar-collections/transaction-status-query</loc>
    <lastmod>2026-11-12T13:35:05.884Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-xof-and-zar-collections/xof-process-otp</loc>
    <lastmod>2026-11-12T13:35:05.921Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payaza-account/view-payaza-account-details</loc>
    <lastmod>2026-11-12T13:35:05.547Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/activate-payment-link</loc>
    <lastmod>2026-11-12T13:35:05.696Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/create-payment-link</loc>
    <lastmod>2026-11-12T13:35:05.668Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/deactivate-payment-link</loc>
    <lastmod>2026-11-12T13:35:05.711Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/fetch-payment-link-transactions</loc>
    <lastmod>2026-11-12T13:35:05.739Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/fetch-payment-links</loc>
    <lastmod>2026-11-12T13:35:05.725Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/update-payment-link</loc>
    <lastmod>2026-11-12T13:35:05.682Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/accept-or-reject-chargeback</loc>
    <lastmod>2026-11-12T13:35:05.825Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/chargeback-request</loc>
    <lastmod>2026-11-12T13:35:05.839Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/chargeback-transaction-history</loc>
    <lastmod>2026-11-12T13:35:05.854Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/fetch-refund-history</loc>
    <lastmod>2026-11-12T13:35:05.811Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/initiate-refund</loc>
    <lastmod>2026-11-12T13:35:05.797Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/create-split-account</loc>
    <lastmod>2026-11-12T13:35:06.316Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/delete-split-account</loc>
    <lastmod>2026-11-12T13:35:06.343Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/fetch-split-accounts</loc>
    <lastmod>2026-11-12T13:35:06.301Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/update-split-account</loc>
    <lastmod>2026-11-12T13:35:06.330Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/sub-accounts/create-a-subaccount</loc>
    <lastmod>2026-11-12T13:35:05.563Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/sub-accounts/view-payaza-sub-account-details</loc>
    <lastmod>2026-11-12T13:35:05.580Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-charge/charge-now</loc>
    <lastmod>2026-11-12T13:35:06.125Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-charge/create-custom-charge</loc>
    <lastmod>2026-11-12T13:35:06.140Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-invoices/get-invoice</loc>
    <lastmod>2026-11-12T13:35:06.287Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-invoices/list-invoices</loc>
    <lastmod>2026-11-12T13:35:06.273Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/cancel-subscription</loc>
    <lastmod>2026-11-12T13:35:06.156Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/change-plan</loc>
    <lastmod>2026-11-12T13:35:06.199Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/pause-subscription</loc>
    <lastmod>2026-11-12T13:35:06.172Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/resume-subscription</loc>
    <lastmod>2026-11-12T13:35:06.186Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/create-plan</loc>
    <lastmod>2026-11-12T13:35:06.053Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/get-plan-details</loc>
    <lastmod>2026-11-12T13:35:06.066Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/list-plans</loc>
    <lastmod>2026-11-12T13:35:06.040Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/update-plan-details</loc>
    <lastmod>2026-11-12T13:35:06.080Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/get-subscription</loc>
    <lastmod>2026-11-12T13:35:06.216Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/list-subscription</loc>
    <lastmod>2026-11-12T13:35:06.095Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/subscription-charge-history</loc>
    <lastmod>2026-11-12T13:35:06.246Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/subscription-event-history</loc>
    <lastmod>2026-11-12T13:35:06.260Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/upcoming-charges</loc>
    <lastmod>2026-11-12T13:35:06.232Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscriptions/create-subscription</loc>
    <lastmod>2026-11-12T13:35:06.111Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/bank-codes</loc>
    <lastmod>2026-11-12T13:35:05.525Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/get-account-name-enquiry</loc>
    <lastmod>2026-11-12T13:35:05.505Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/initiate-a-transfer</loc>
    <lastmod>2026-11-12T13:35:05.462Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/transaction-status-query</loc>
    <lastmod>2026-11-12T13:35:05.485Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/create-staticdynamic-virtual-account</loc>
    <lastmod>2026-11-12T13:35:05.610Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/fund-test-virtual-account</loc>
    <lastmod>2026-11-12T13:35:05.652Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/get-virtual-account-status</loc>
    <lastmod>2026-11-12T13:35:05.623Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/transaction-status-query</loc>
    <lastmod>2026-11-12T13:35:05.637Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/apple-google-pay</loc>
    <lastmod>2026-11-12T13:35:09.429Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/auth-capture-void</loc>
    <lastmod>2026-11-12T13:35:09.431Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/authentication</loc>
    <lastmod>2026-11-12T13:35:09.429Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/card-collection</loc>
    <lastmod>2026-11-12T13:35:09.451Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/collections-overview</loc>
    <lastmod>2026-11-12T13:35:09.433Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/errors</loc>
    <lastmod>2026-11-12T13:35:09.430Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/getting-started</loc>
    <lastmod>2026-11-12T13:35:09.426Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/momo-collections</loc>
    <lastmod>2026-11-12T13:35:09.615Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/payaza-account</loc>
    <lastmod>2026-11-12T13:35:09.425Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/payment-links</loc>
    <lastmod>2026-11-12T13:35:09.438Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/refunds-chargebacks</loc>
    <lastmod>2026-11-12T13:35:09.421Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/split-settlements</loc>
    <lastmod>2026-11-12T13:35:09.441Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/sub-accounts</loc>
    <lastmod>2026-11-12T13:35:09.423Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/subscription-lifecycle</loc>
    <lastmod>2026-11-12T13:35:09.428Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/subscription-plans</loc>
    <lastmod>2026-11-12T13:35:09.420Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/subscription-reads</loc>
    <lastmod>2026-11-12T13:35:09.427Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/subscriptions</loc>
    <lastmod>2026-11-12T13:35:09.420Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/testcards</loc>
    <lastmod>2026-11-12T13:35:09.423Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/transfers</loc>
    <lastmod>2026-11-12T13:35:09.438Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/virtual-accounts</loc>
    <lastmod>2026-11-12T13:35:09.443Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/webcheckoutguide</loc>
    <lastmod>2026-11-12T13:35:09.428Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/webhooks</loc>
    <lastmod>2026-11-12T13:35:09.421Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/introduction</loc>
    <lastmod>2026-11-12T23:15:23.338Z</lastmod>
  </url>
</urlset>