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  <url>
    <loc>https://docs.payaza.africa/api-reference/apple-pay-and-google-pay/initiate-payment</loc>
    <lastmod>2026-10-15T13:45:18.708Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/authorize-transaction</loc>
    <lastmod>2026-10-15T13:45:18.908Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/capture-transaction</loc>
    <lastmod>2026-10-15T13:45:18.915Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/get-all-authorizations</loc>
    <lastmod>2026-10-15T13:45:18.900Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/get-single-authorization</loc>
    <lastmod>2026-10-15T13:45:18.930Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/auth-capture-void/void-transaction</loc>
    <lastmod>2026-10-15T13:45:18.922Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/branches/fetch-all-branches</loc>
    <lastmod>2026-10-15T13:45:18.892Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/card-charge</loc>
    <lastmod>2026-10-15T13:45:18.796Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/check-refund-status</loc>
    <lastmod>2026-10-15T13:45:18.811Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/card-collection/check-transaction-status</loc>
    <lastmod>2026-10-15T13:45:18.803Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/check-transaction-statusmerchant-reference/check-transaction-statusmerchant-reference</loc>
    <lastmod>2026-10-15T13:45:18.938Z</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>2026-09-25T14:22:53.320Z</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>2026-08-31T13:26:33.703Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/libraries/wordpress</loc>
    <lastmod>2026-10-15T13:45:22.707Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-xof-and-zar-collections/momo-xof-and-zar-process-collection</loc>
    <lastmod>2026-10-15T13:45:18.858Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-xof-and-zar-collections/test-account-funding</loc>
    <lastmod>2026-10-15T13:45:18.876Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-xof-and-zar-collections/transaction-status-query</loc>
    <lastmod>2026-10-15T13:45:18.868Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/momo-xof-and-zar-collections/xof-process-otp</loc>
    <lastmod>2026-10-15T13:45:18.884Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payaza-account/view-payaza-account-details</loc>
    <lastmod>2026-10-15T13:45:18.687Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/activate-payment-link</loc>
    <lastmod>2026-10-15T13:45:18.765Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/create-payment-link</loc>
    <lastmod>2026-10-15T13:45:18.750Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/deactivate-payment-link</loc>
    <lastmod>2026-10-15T13:45:18.773Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/fetch-payment-link-transactions</loc>
    <lastmod>2026-10-15T13:45:18.789Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/fetch-payment-links</loc>
    <lastmod>2026-10-15T13:45:18.781Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/payment-links/update-payment-link</loc>
    <lastmod>2026-10-15T13:45:18.758Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/accept-or-reject-chargeback</loc>
    <lastmod>2026-10-15T13:45:18.835Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/chargeback-request</loc>
    <lastmod>2026-10-15T13:45:18.843Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/chargeback-transaction-history</loc>
    <lastmod>2026-10-15T13:45:18.851Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/fetch-refund-history</loc>
    <lastmod>2026-10-15T13:45:18.827Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/refunds-and-chargebacks/initiate-refund</loc>
    <lastmod>2026-10-15T13:45:18.819Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/create-split-account</loc>
    <lastmod>2026-10-15T13:45:19.107Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/delete-split-account</loc>
    <lastmod>2026-10-15T13:45:19.122Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/fetch-split-accounts</loc>
    <lastmod>2026-10-15T13:45:19.099Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/split-settlements/update-split-account</loc>
    <lastmod>2026-10-15T13:45:19.115Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/sub-accounts/create-a-subaccount</loc>
    <lastmod>2026-10-15T13:45:18.694Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/sub-accounts/view-payaza-sub-account-details</loc>
    <lastmod>2026-10-15T13:45:18.701Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-charge/charge-now</loc>
    <lastmod>2026-10-15T13:45:18.996Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-charge/create-custom-charge</loc>
    <lastmod>2026-10-15T13:45:19.003Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-invoices/get-invoice</loc>
    <lastmod>2026-10-15T13:45:19.092Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-invoices/list-invoices</loc>
    <lastmod>2026-10-15T13:45:19.084Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/cancel-subscription</loc>
    <lastmod>2026-10-15T13:45:19.010Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/change-plan</loc>
    <lastmod>2026-10-15T13:45:19.048Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/pause-subscription</loc>
    <lastmod>2026-10-15T13:45:19.017Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-lifecycle/resume-subscription</loc>
    <lastmod>2026-10-15T13:45:19.024Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/create-plan</loc>
    <lastmod>2026-10-15T13:45:18.955Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/get-plan-details</loc>
    <lastmod>2026-10-15T13:45:18.962Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/list-plans</loc>
    <lastmod>2026-10-15T13:45:18.946Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-plans/update-plan-details</loc>
    <lastmod>2026-10-15T13:45:18.970Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/get-subscription</loc>
    <lastmod>2026-10-15T13:45:19.055Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/list-subscription</loc>
    <lastmod>2026-10-15T13:45:18.979Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/subscription-charge-history</loc>
    <lastmod>2026-10-15T13:45:19.070Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/subscription-event-history</loc>
    <lastmod>2026-10-15T13:45:19.077Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscription-reads/upcoming-charges</loc>
    <lastmod>2026-10-15T13:45:19.062Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/subscriptions/create-subscription</loc>
    <lastmod>2026-10-15T13:45:18.989Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/bank-codes</loc>
    <lastmod>2026-10-15T13:45:18.680Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/get-account-name-enquiry</loc>
    <lastmod>2026-10-15T13:45:18.673Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/initiate-a-transfer</loc>
    <lastmod>2026-10-15T13:45:18.658Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/transfers/transaction-status-query</loc>
    <lastmod>2026-10-15T13:45:18.665Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/create-staticdynamic-virtual-account</loc>
    <lastmod>2026-10-15T13:45:18.716Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/fund-test-virtual-account</loc>
    <lastmod>2026-10-15T13:45:18.742Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/get-virtual-account-status</loc>
    <lastmod>2026-10-15T13:45:18.726Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/api-reference/virtual-accounts/transaction-status-query</loc>
    <lastmod>2026-10-15T13:45:18.735Z</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>2026-10-15T13:45:22.708Z</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>2026-08-31T13:26:33.703Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/errors</loc>
    <lastmod>2026-08-31T13:26:33.695Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/getting-started</loc>
    <lastmod>2026-08-31T13:26:33.695Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/momo-collections</loc>
    <lastmod>2026-10-15T13:45:22.726Z</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/payment-links</loc>
    <lastmod>2026-09-25T17:00:52.724Z</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>2026-09-25T14:22:53.315Z</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>2026-10-09T11:54:42.603Z</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>2026-08-31T13:26:33.701Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/guides/webhooks</loc>
    <lastmod>2026-09-17T14:29:29.049Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payaza.africa/introduction</loc>
    <lastmod>2026-08-31T13:26:33.701Z</lastmod>
  </url>
</urlset>