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    <loc>https://ownpay.org/docs/advanced-topics/faq</loc>
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    <loc>https://ownpay.org/docs/api-reference/acknowledge-push-notifications</loc>
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    <loc>https://ownpay.org/docs/api-reference/admin</loc>
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    <loc>https://ownpay.org/docs/api-reference/create-customer</loc>
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    <loc>https://ownpay.org/docs/api-reference/dispatch-test-webhook</loc>
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    <loc>https://ownpay.org/docs/api-reference/generate-api-key</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/get-pending-outbound-sms</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/initiate-payment-intent</loc>
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    <loc>https://ownpay.org/docs/api-reference/list-api-keys</loc>
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    <loc>https://ownpay.org/docs/api-reference/list-companion-app-notifications</loc>
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    <loc>https://ownpay.org/docs/api-reference/list-customers</loc>
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    <loc>https://ownpay.org/docs/api-reference/list-outbound-sms-queue</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/list-paired-companion-devices</loc>
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    <loc>https://ownpay.org/docs/api-reference/list-refunds</loc>
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    <loc>https://ownpay.org/docs/api-reference/list-sms-templates</loc>
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    <loc>https://ownpay.org/docs/api-reference/list-transactions</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/merchant</loc>
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    <loc>https://ownpay.org/docs/api-reference/mobile</loc>
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    <loc>https://ownpay.org/docs/api-reference/pair-mobile-companion-device</loc>
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    <loc>https://ownpay.org/docs/api-reference/refresh-access-token</loc>
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    <loc>https://ownpay.org/docs/api-reference/request-transaction-refund</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/retrieve-customer</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/retrieve-dashboard-summary</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/retrieve-device-connection-status</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/retrieve-payment-details</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/retrieve-refund</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/retrieve-sms-filter-rules</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/retrieve-transaction</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/retry-outbound-sms</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/revoke-api-key</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/revoke-paired-device</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/submit-device-heartbeat</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/submit-received-sms</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/system-health-check</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/update-sms-template</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/verify-custom-domain</loc>
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  <url>
    <loc>https://ownpay.org/docs/api-reference/webhook-delivery-log</loc>
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  <url>
    <loc>https://ownpay.org/docs/api/authentication</loc>
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  <url>
    <loc>https://ownpay.org/docs/api/errors</loc>
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  <url>
    <loc>https://ownpay.org/docs/api/overview</loc>
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  <url>
    <loc>https://ownpay.org/docs/api/webhooks</loc>
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  </url>

  <url>
    <loc>https://ownpay.org/docs/concepts/brands</loc>
    <lastmod>2026-07-15T09:44:03.592Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/concepts/domains</loc>
    <lastmod>2026-07-15T09:44:03.594Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/concepts/gateways</loc>
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  <url>
    <loc>https://ownpay.org/docs/concepts</loc>
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  </url>

  <url>
    <loc>https://ownpay.org/docs/concepts/ledger</loc>
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  <url>
    <loc>https://ownpay.org/docs/concepts/payment-flow</loc>
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  <url>
    <loc>https://ownpay.org/docs/concepts/plugins</loc>
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  <url>
    <loc>https://ownpay.org/docs/demo</loc>
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  </url>

  <url>
    <loc>https://ownpay.org/docs/developer/ai-mcp</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/ai-overview</loc>
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    <loc>https://ownpay.org/docs/developer/ai-skills</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/integration/laravel</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/integration/nodejs</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/integration/php</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/integration/whmcs</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/integration/woocommerce</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugin-types/addon-development</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugin-types/addon-prompt</loc>
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    <loc>https://ownpay.org/docs/developer/plugin-types/gateway-development</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugin-types/gateway-prompt</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugin-types/integration-prompt</loc>
    <lastmod>2026-07-15T14:37:55.780Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugin-types/theme-development</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugin-types/theme-prompt</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugins/capabilities</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugins/events</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugins/hooks</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/plugins/overview</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/quickstart</loc>
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  <url>
    <loc>https://ownpay.org/docs/developer/translations</loc>
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  <url>
    <loc>https://ownpay.org/docs</loc>
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  <url>
    <loc>https://ownpay.org/docs/installation</loc>
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  <url>
    <loc>https://ownpay.org/docs/introduction</loc>
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  <url>
    <loc>https://ownpay.org/docs/quickstart</loc>
    <lastmod>2026-07-15T09:44:00.767Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/resources/architecture</loc>
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  <url>
    <loc>https://ownpay.org/docs/resources/code-examples</loc>
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  <url>
    <loc>https://ownpay.org/docs/resources/contributing</loc>
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  <url>
    <loc>https://ownpay.org/docs/resources/ecosystem</loc>
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  <url>
    <loc>https://ownpay.org/docs/resources/features</loc>
    <lastmod>2026-07-13T08:36:04.854Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/resources/glossary</loc>
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  <url>
    <loc>https://ownpay.org/docs/resources/integrations/rest-api</loc>
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  <url>
    <loc>https://ownpay.org/docs/resources/local-setup</loc>
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  <url>
    <loc>https://ownpay.org/docs/resources/roadmap</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/account/my-account</loc>
    <lastmod>2026-07-15T09:44:00.071Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/appearance/branding-settings</loc>
    <lastmod>2026-07-15T09:44:00.073Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/appearance/landing-page</loc>
    <lastmod>2026-07-15T09:44:00.072Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/appearance/themes</loc>
    <lastmod>2026-07-15T09:44:00.073Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/auth/forgot-password</loc>
    <lastmod>2026-07-15T09:43:59.617Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/auth/login</loc>
    <lastmod>2026-07-15T09:43:59.617Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/auth/two-factor</loc>
    <lastmod>2026-07-15T09:43:59.619Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/changelog</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/dashboard</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/developers/developer-hub</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/gateways/currencies</loc>
    <lastmod>2026-07-15T09:43:59.621Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/gateways/gateways</loc>
    <lastmod>2026-07-15T09:43:59.622Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/mobile-sms/companion-app</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/mobile-sms/devices</loc>
    <lastmod>2026-07-15T09:43:59.621Z</lastmod>
  </url>

  <url>
    <loc>https://ownpay.org/docs/user-guide/mobile-sms/sms-logs</loc>
    <lastmod>2026-07-15T09:43:59.154Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/mobile-sms/sms-templates</loc>
    <lastmod>2026-07-15T09:43:59.151Z</lastmod>
  </url>

  <url>
    <loc>https://ownpay.org/docs/user-guide/payments/invoices</loc>
    <lastmod>2026-07-15T09:43:59.151Z</lastmod>
  </url>

  <url>
    <loc>https://ownpay.org/docs/user-guide/payments/ledger</loc>
    <lastmod>2026-07-15T09:43:59.153Z</lastmod>
  </url>

  <url>
    <loc>https://ownpay.org/docs/user-guide/payments/payment-links</loc>
    <lastmod>2026-07-15T09:43:59.153Z</lastmod>
  </url>

  <url>
    <loc>https://ownpay.org/docs/user-guide/payments/transactions</loc>
    <lastmod>2026-07-15T09:43:59.154Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/people/brands</loc>
    <lastmod>2026-07-15T09:43:59.158Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/people/customers</loc>
    <lastmod>2026-07-15T09:43:59.155Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/people/roles</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/people/staff</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/public/checkout</loc>
    <lastmod>2026-07-15T09:43:58.564Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/reports-finance/audit-log</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/reports-finance/balance-verification</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/reports-finance/reports</loc>
    <lastmod>2026-07-15T09:43:58.559Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/subscribe</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/system/addons</loc>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/system/domains</loc>
    <lastmod>2026-07-15T09:43:58.561Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/system/plugins</loc>
    <lastmod>2026-07-15T09:43:58.560Z</lastmod>
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  <url>
    <loc>https://ownpay.org/docs/user-guide/system/settings</loc>
    <lastmod>2026-07-15T09:43:58.562Z</lastmod>
  </url>

  <url>
    <loc>https://ownpay.org/docs/user-guide/system/system-update</loc>
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