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    <loc>https://docs.waftpay.io/api-reference/auth/auth-token</loc>
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  <url>
    <loc>https://docs.waftpay.io/api-reference/checkout/checkout-request</loc>
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    <loc>https://docs.waftpay.io/api-reference/collections/collections-refund</loc>
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  <url>
    <loc>https://docs.waftpay.io/api-reference/collections/collections-refund-initiate</loc>
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  <url>
    <loc>https://docs.waftpay.io/api-reference/payment-requests/rules-and-process-flow</loc>
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  <url>
    <loc>https://docs.waftpay.io/api-reference/payouts/payouts-initiate</loc>
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  <url>
    <loc>https://docs.waftpay.io/api-reference/payouts/retrieve</loc>
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  <url>
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    <loc>https://docs.waftpay.io/api-reference/signatures/signature-generate</loc>
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  <url>
    <loc>https://docs.waftpay.io/api-reference/wallet/get-balance</loc>
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    <loc>https://docs.waftpay.io/environments</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/guides/status-checks</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/intro/going-live</loc>
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  <url>
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  <url>
    <loc>https://docs.waftpay.io/pages/intro/what-is-mobile-money</loc>
    <lastmod>2026-06-30T06:13:01.061Z</lastmod>
  </url>

  <url>
    <loc>https://docs.waftpay.io/pages/intro/what-you-should-know</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/best-practices</loc>
    <lastmod>2026-06-30T06:13:01.122Z</lastmod>
  </url>

  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/building-your-endpoint</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/consumer-service</loc>
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  </url>

  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/event-types</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/overview</loc>
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    <loc>https://docs.waftpay.io/pages/webhooks/payload</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/retries-and-idempotency</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/testing-simulator</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/troubleshooting</loc>
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  <url>
    <loc>https://docs.waftpay.io/pages/webhooks/verify-signature</loc>
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