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  <url>
    <loc>https://docs.swervpay.co/api-reference/authentication</loc>
    <lastmod>2026-09-04T10:29:05.739Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/authentication/auth</loc>
    <lastmod>2025-08-20T13:10:09.953Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/bills/categories</loc>
    <lastmod>2026-01-07T00:45:25.350Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/bills/create</loc>
    <lastmod>2026-09-04T10:29:05.738Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/bills/get</loc>
    <lastmod>2026-01-07T00:45:25.348Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/bills/items</loc>
    <lastmod>2026-01-07T00:45:25.347Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/bills/lists</loc>
    <lastmod>2026-01-07T00:45:25.352Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/bills/validate</loc>
    <lastmod>2026-09-04T10:29:05.737Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/business/get</loc>
    <lastmod>2026-01-07T00:45:25.350Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/create</loc>
    <lastmod>2026-08-18T15:14:25.769Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/freeze</loc>
    <lastmod>2026-01-07T00:45:26.336Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/fund-card</loc>
    <lastmod>2026-01-07T00:45:26.336Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/get</loc>
    <lastmod>2026-01-07T00:45:26.341Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/get-all-cards</loc>
    <lastmod>2026-01-07T00:45:26.338Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/get-transaction</loc>
    <lastmod>2026-01-07T00:45:26.339Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/regularize</loc>
    <lastmod>2026-09-04T10:29:05.740Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/set-pin</loc>
    <lastmod>2026-08-18T15:14:25.768Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/terminate</loc>
    <lastmod>2026-09-04T10:29:05.735Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/transactions</loc>
    <lastmod>2026-01-07T00:45:26.338Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/unfreeze</loc>
    <lastmod>2026-01-07T00:45:26.337Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/cards/withdraw-from-card</loc>
    <lastmod>2026-01-07T00:45:26.341Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/checkouts/credit</loc>
    <lastmod>2025-08-20T13:10:14.634Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/collections/create</loc>
    <lastmod>2026-06-26T11:13:43.258Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/collections/credit</loc>
    <lastmod>2025-08-20T13:10:15.608Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/collections/get</loc>
    <lastmod>2026-01-07T00:45:26.871Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/collections/get-all-collections</loc>
    <lastmod>2026-01-07T00:45:26.870Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/collections/transaction</loc>
    <lastmod>2026-01-07T00:45:26.869Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/customers/blacklist</loc>
    <lastmod>2026-01-07T00:45:26.875Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/customers/create</loc>
    <lastmod>2026-01-07T00:45:26.868Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/customers/delete</loc>
    <lastmod>2026-09-04T10:29:05.736Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/customers/get</loc>
    <lastmod>2026-01-07T00:45:26.878Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/customers/get-all-customers</loc>
    <lastmod>2026-01-07T00:45:26.872Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/customers/kyc</loc>
    <lastmod>2026-01-07T00:45:26.876Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/customers/update</loc>
    <lastmod>2026-01-07T00:45:27.643Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/fx/exchange</loc>
    <lastmod>2026-01-07T00:45:27.647Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/fx/rate</loc>
    <lastmod>2026-01-07T00:45:27.644Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/identity/bvn</loc>
    <lastmod>2026-01-07T00:45:27.648Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/introduction</loc>
    <lastmod>2026-09-04T10:29:02.266Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/invoices/create</loc>
    <lastmod>2026-09-04T10:29:02.264Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/invoices/get</loc>
    <lastmod>2025-08-20T13:10:16.555Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/invoices/get-all-invoices</loc>
    <lastmod>2025-08-20T13:10:16.550Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/invoices/update</loc>
    <lastmod>2026-09-04T10:29:02.264Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/others/get-banks</loc>
    <lastmod>2026-01-07T00:45:27.646Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/others/resolve-account-number</loc>
    <lastmod>2026-01-07T00:45:27.647Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/payouts/create</loc>
    <lastmod>2026-09-04T10:29:02.260Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/payouts/get</loc>
    <lastmod>2026-01-07T00:45:28.246Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/transactions/get</loc>
    <lastmod>2026-01-07T00:45:28.249Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/transactions/get-all-transactions</loc>
    <lastmod>2026-01-07T00:45:28.249Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/wallets/credit</loc>
    <lastmod>2025-08-20T13:10:17.520Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/wallets/get</loc>
    <lastmod>2026-01-07T00:45:28.244Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/wallets/get-all-wallets</loc>
    <lastmod>2026-01-07T00:45:28.248Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/webhook/create</loc>
    <lastmod>2026-09-04T10:29:02.260Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/webhook/get-logs</loc>
    <lastmod>2026-09-04T10:29:02.262Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/webhook/retry</loc>
    <lastmod>2026-09-04T10:29:02.253Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/webhook/test</loc>
    <lastmod>2026-01-07T00:45:28.247Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/api-reference/webhook/update</loc>
    <lastmod>2026-09-04T10:29:02.263Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/card/introduction</loc>
    <lastmod>2026-09-04T10:29:02.259Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/changelog/introduction</loc>
    <lastmod>2026-09-04T10:29:02.252Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/collection/introduction</loc>
    <lastmod>2026-09-04T10:29:02.261Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/customer/introduction</loc>
    <lastmod>2026-09-04T10:29:02.258Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/fx/introduction</loc>
    <lastmod>2026-09-04T10:29:02.273Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/go-live-checklist</loc>
    <lastmod>2026-09-04T10:29:02.262Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/introduction</loc>
    <lastmod>2026-09-04T10:29:02.255Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/payout/introduction</loc>
    <lastmod>2026-09-04T10:29:02.251Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/quickstart</loc>
    <lastmod>2026-09-04T10:29:02.265Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/sdks/dart</loc>
    <lastmod>2026-09-04T10:29:02.256Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/sdks/go</loc>
    <lastmod>2026-09-04T10:29:02.259Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/sdks/introduction</loc>
    <lastmod>2026-09-04T10:29:02.258Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/sdks/laravel</loc>
    <lastmod>2026-09-04T10:29:02.253Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/sdks/nodejs</loc>
    <lastmod>2026-09-04T10:29:02.256Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/sdks/php</loc>
    <lastmod>2026-09-04T10:29:02.255Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/transaction/introduction</loc>
    <lastmod>2026-09-04T10:29:02.270Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/wallet/introduction</loc>
    <lastmod>2026-09-04T10:29:02.269Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/webhooks/bill</loc>
    <lastmod>2026-09-04T10:29:02.254Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/webhooks/card</loc>
    <lastmod>2026-09-04T10:29:02.257Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/webhooks/collection</loc>
    <lastmod>2026-09-04T10:29:02.269Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/webhooks/customer</loc>
    <lastmod>2026-09-04T10:29:02.268Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/webhooks/introduction</loc>
    <lastmod>2026-09-04T10:29:02.266Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/webhooks/payout</loc>
    <lastmod>2026-09-04T10:29:02.268Z</lastmod>
  </url>

  <url>
    <loc>https://docs.swervpay.co/webhooks/wallet</loc>
    <lastmod>2026-09-04T10:29:02.267Z</lastmod>
  </url>
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