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  <url>
    <loc>https://docs.ketapay.com/api-reference/admin:-escrow/issue-an-admin-refund</loc>
    <lastmod>2026-04-19T13:38:05.340Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/create-account</loc>
    <lastmod>2026-04-19T13:38:04.387Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/login-with-phone-and-password</loc>
    <lastmod>2026-04-19T13:38:04.401Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/logout-and-revoke-session</loc>
    <lastmod>2026-04-19T13:38:04.439Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/refresh-session-tokens</loc>
    <lastmod>2026-04-19T13:38:04.427Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/request-password-reset-otp</loc>
    <lastmod>2026-04-19T13:38:04.471Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/resend-otp</loc>
    <lastmod>2026-04-19T13:38:04.455Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/reset-password-with-otp</loc>
    <lastmod>2026-04-19T13:38:04.484Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/send-otp</loc>
    <lastmod>2026-04-19T13:38:04.375Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/verify-otp</loc>
    <lastmod>2026-04-19T13:38:04.415Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/cards/delete-a-saved-card</loc>
    <lastmod>2026-04-19T13:38:05.142Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/cards/list-saved-cards</loc>
    <lastmod>2026-04-19T13:38:05.129Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/cards/save-a-card</loc>
    <lastmod>2026-04-19T13:38:05.117Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/cards/set-default-card</loc>
    <lastmod>2026-04-19T13:38:05.157Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/contacts/delete-contact</loc>
    <lastmod>2026-04-19T13:38:04.970Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/contacts/list-contacts</loc>
    <lastmod>2026-04-19T13:38:04.957Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/disputes/escalate-a-dispute-to-support</loc>
    <lastmod>2026-04-19T13:38:04.700Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/disputes/get-a-dispute</loc>
    <lastmod>2026-04-19T13:38:04.687Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/disputes/raise-a-dispute</loc>
    <lastmod>2026-04-19T13:38:04.674Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/disputes/resolve-a-dispute-support-only</loc>
    <lastmod>2026-04-19T13:38:04.713Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/accept-an-escrow-invite</loc>
    <lastmod>2026-04-19T13:38:04.533Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/cancel-an-escrow</loc>
    <lastmod>2026-04-19T13:38:04.601Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/create-an-escrow</loc>
    <lastmod>2026-04-19T13:38:04.502Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/decline-an-escrow-invite</loc>
    <lastmod>2026-04-19T13:38:04.546Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/fund-an-escrow</loc>
    <lastmod>2026-04-19T13:38:04.514Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/get-an-escrow</loc>
    <lastmod>2026-04-19T13:38:04.559Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/list-escrows</loc>
    <lastmod>2026-04-19T13:38:04.574Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/release-escrow-funds</loc>
    <lastmod>2026-04-19T13:38:04.589Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/resend-an-escrow-invite</loc>
    <lastmod>2026-04-19T13:38:04.618Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/kyc/get-kyc-status</loc>
    <lastmod>2026-04-19T13:38:04.644Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/kyc/initiate-kyc-verification</loc>
    <lastmod>2026-04-19T13:38:04.631Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/kyc/upload-edd-document</loc>
    <lastmod>2026-04-19T13:38:04.662Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/messages/get-conversation-feed</loc>
    <lastmod>2026-04-19T13:38:04.838Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/messages/list-conversations</loc>
    <lastmod>2026-04-19T13:38:04.819Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/messages/send-a-message</loc>
    <lastmod>2026-04-19T13:38:04.804Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/approve-a-milestone</loc>
    <lastmod>2026-04-19T13:38:05.254Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/cancel-a-proposed-milestone</loc>
    <lastmod>2026-04-19T13:38:05.311Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/edit-a-proposed-milestone</loc>
    <lastmod>2026-04-19T13:38:05.242Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/list-milestones-for-an-escrow</loc>
    <lastmod>2026-04-19T13:38:05.230Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/mark-milestone-as-complete-seller</loc>
    <lastmod>2026-04-19T13:38:05.284Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/propose-a-milestone</loc>
    <lastmod>2026-04-19T13:38:05.216Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/release-milestone-funds-payer</loc>
    <lastmod>2026-04-19T13:38:05.297Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/request-changes-to-a-milestone</loc>
    <lastmod>2026-04-19T13:38:05.269Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/notifications/list-notifications</loc>
    <lastmod>2026-04-19T13:38:04.855Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/notifications/mark-notification-as-read</loc>
    <lastmod>2026-04-19T13:38:04.867Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/notifications/register-a-push-notification-token</loc>
    <lastmod>2026-04-19T13:38:05.088Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/notifications/unregister-a-push-notification-token</loc>
    <lastmod>2026-04-19T13:38:05.105Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/add-payout-account</loc>
    <lastmod>2026-04-19T13:38:04.741Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/delete-payout-account</loc>
    <lastmod>2026-04-19T13:38:04.777Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/list-payout-accounts</loc>
    <lastmod>2026-04-19T13:38:04.759Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/set-default-payout-account</loc>
    <lastmod>2026-04-19T13:38:04.789Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/verify-bank-account</loc>
    <lastmod>2026-04-19T13:38:04.728Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/profile/get-own-profile</loc>
    <lastmod>2026-04-19T13:38:04.899Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/profile/get-public-profile</loc>
    <lastmod>2026-04-19T13:38:04.912Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/profile/update-next-of-kin</loc>
    <lastmod>2026-04-19T13:38:04.940Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/profile/update-profile</loc>
    <lastmod>2026-04-19T13:38:04.924Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/reference-data/fetch-reference-list</loc>
    <lastmod>2026-04-19T13:38:05.327Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/reviews/list-reviews-for-a-user</loc>
    <lastmod>2026-04-19T13:38:05.185Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/reviews/submit-a-review</loc>
    <lastmod>2026-04-19T13:38:05.171Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/transactions/list-user-transactions</loc>
    <lastmod>2026-04-19T13:38:05.201Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/get-escrow-payment-breakdown</loc>
    <lastmod>2026-04-19T13:38:05.000Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/get-virtual-account-details</loc>
    <lastmod>2026-04-19T13:38:05.074Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/get-wallet-balance</loc>
    <lastmod>2026-04-19T13:38:04.985Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/request-virtual-account-setup</loc>
    <lastmod>2026-04-19T13:38:05.060Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/toggle-auto-withdrawal</loc>
    <lastmod>2026-04-19T13:38:05.045Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/top-up-wallet-via-saved-card</loc>
    <lastmod>2026-04-19T13:38:05.012Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/withdraw-from-wallet</loc>
    <lastmod>2026-04-19T13:38:05.028Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/webhooks/paystack-webhook-receiver</loc>
    <lastmod>2026-04-19T13:38:04.883Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/authentication</loc>
    <lastmod>2026-04-19T12:48:50.146Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/errors</loc>
    <lastmod>2026-04-19T12:48:50.147Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/guides/disputes</loc>
    <lastmod>2026-04-19T12:48:50.574Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/guides/escrow-lifecycle</loc>
    <lastmod>2026-04-19T12:48:50.573Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/guides/kyc-tiers</loc>
    <lastmod>2026-04-19T12:48:50.572Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/guides/messaging</loc>
    <lastmod>2026-04-19T12:48:50.570Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/guides/milestone-flow</loc>
    <lastmod>2026-04-19T12:48:50.568Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/guides/wallet-and-payouts</loc>
    <lastmod>2026-04-19T12:48:50.571Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/introduction</loc>
    <lastmod>2026-04-19T13:38:10.835Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/docs/pagination</loc>
    <lastmod>2026-04-19T12:48:50.568Z</lastmod>
  </url>
</urlset>