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  <url>
    <loc>https://docs.ketapay.com/api-reference/admin:-escrow/issue-an-admin-refund</loc>
    <lastmod>2026-04-20T08:29:34.632Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/create-account</loc>
    <lastmod>2026-04-20T08:29:33.928Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/login-with-phone-and-password</loc>
    <lastmod>2026-04-20T08:29:33.938Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/logout-and-revoke-session</loc>
    <lastmod>2026-04-20T08:29:33.969Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/refresh-session-tokens</loc>
    <lastmod>2026-04-20T08:29:33.959Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/request-password-reset-otp</loc>
    <lastmod>2026-04-20T08:29:33.990Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/resend-otp</loc>
    <lastmod>2026-04-20T08:29:33.980Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/reset-password-with-otp</loc>
    <lastmod>2026-04-20T08:29:34.004Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/send-otp</loc>
    <lastmod>2026-04-20T08:29:33.916Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/auth/verify-otp</loc>
    <lastmod>2026-04-20T08:29:33.948Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/cards/delete-a-saved-card</loc>
    <lastmod>2026-04-20T08:29:34.485Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/cards/list-saved-cards</loc>
    <lastmod>2026-04-20T08:29:34.475Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/cards/save-a-card</loc>
    <lastmod>2026-04-20T08:29:34.465Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/cards/set-default-card</loc>
    <lastmod>2026-04-20T08:29:34.495Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/contacts/delete-contact</loc>
    <lastmod>2026-04-20T08:29:34.360Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/contacts/list-contacts</loc>
    <lastmod>2026-04-20T08:29:34.344Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/disputes/escalate-a-dispute-to-support</loc>
    <lastmod>2026-04-20T08:29:34.168Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/disputes/get-a-dispute</loc>
    <lastmod>2026-04-20T08:29:34.159Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/disputes/raise-a-dispute</loc>
    <lastmod>2026-04-20T08:29:34.149Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/disputes/resolve-a-dispute-support-only</loc>
    <lastmod>2026-04-20T08:29:34.178Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/accept-an-escrow-invite</loc>
    <lastmod>2026-04-20T08:29:34.045Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/cancel-an-escrow</loc>
    <lastmod>2026-04-20T08:29:34.097Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/create-an-escrow</loc>
    <lastmod>2026-04-20T08:29:34.022Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/decline-an-escrow-invite</loc>
    <lastmod>2026-04-20T08:29:34.056Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/fund-an-escrow</loc>
    <lastmod>2026-04-20T08:29:34.034Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/get-an-escrow</loc>
    <lastmod>2026-04-20T08:29:34.067Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/list-escrows</loc>
    <lastmod>2026-04-20T08:29:34.077Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/release-escrow-funds</loc>
    <lastmod>2026-04-20T08:29:34.087Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/escrow/resend-an-escrow-invite</loc>
    <lastmod>2026-04-20T08:29:34.107Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/kyc/get-kyc-status</loc>
    <lastmod>2026-04-20T08:29:34.129Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/kyc/initiate-kyc-verification</loc>
    <lastmod>2026-04-20T08:29:34.118Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/kyc/upload-edd-document</loc>
    <lastmod>2026-04-20T08:29:34.139Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/messages/get-conversation-feed</loc>
    <lastmod>2026-04-20T08:29:34.260Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/messages/list-conversations</loc>
    <lastmod>2026-04-20T08:29:34.250Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/messages/send-a-message</loc>
    <lastmod>2026-04-20T08:29:34.240Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/approve-a-milestone</loc>
    <lastmod>2026-04-20T08:29:34.571Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/cancel-a-proposed-milestone</loc>
    <lastmod>2026-04-20T08:29:34.612Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/edit-a-proposed-milestone</loc>
    <lastmod>2026-04-20T08:29:34.560Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/list-milestones-for-an-escrow</loc>
    <lastmod>2026-04-20T08:29:34.550Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/mark-milestone-as-complete-seller</loc>
    <lastmod>2026-04-20T08:29:34.592Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/propose-a-milestone</loc>
    <lastmod>2026-04-20T08:29:34.540Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/release-milestone-funds-payer</loc>
    <lastmod>2026-04-20T08:29:34.602Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/milestones/request-changes-to-a-milestone</loc>
    <lastmod>2026-04-20T08:29:34.582Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/notifications/list-notifications</loc>
    <lastmod>2026-04-20T08:29:34.270Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/notifications/mark-notification-as-read</loc>
    <lastmod>2026-04-20T08:29:34.282Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/notifications/register-a-push-notification-token</loc>
    <lastmod>2026-04-20T08:29:34.444Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/notifications/unregister-a-push-notification-token</loc>
    <lastmod>2026-04-20T08:29:34.455Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/add-payout-account</loc>
    <lastmod>2026-04-20T08:29:34.199Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/delete-payout-account</loc>
    <lastmod>2026-04-20T08:29:34.220Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/list-payout-accounts</loc>
    <lastmod>2026-04-20T08:29:34.210Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/set-default-payout-account</loc>
    <lastmod>2026-04-20T08:29:34.230Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/payouts/verify-bank-account</loc>
    <lastmod>2026-04-20T08:29:34.189Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/profile/get-own-profile</loc>
    <lastmod>2026-04-20T08:29:34.302Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/profile/get-public-profile</loc>
    <lastmod>2026-04-20T08:29:34.313Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/profile/update-next-of-kin</loc>
    <lastmod>2026-04-20T08:29:34.333Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/profile/update-profile</loc>
    <lastmod>2026-04-20T08:29:34.323Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/reference-data/fetch-reference-list</loc>
    <lastmod>2026-04-20T08:29:34.622Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/reviews/list-reviews-for-a-user</loc>
    <lastmod>2026-04-20T08:29:34.516Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/reviews/submit-a-review</loc>
    <lastmod>2026-04-20T08:29:34.506Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/transactions/list-user-transactions</loc>
    <lastmod>2026-04-20T08:29:34.528Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/get-escrow-payment-breakdown</loc>
    <lastmod>2026-04-20T08:29:34.381Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/get-virtual-account-details</loc>
    <lastmod>2026-04-20T08:29:34.433Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/get-wallet-balance</loc>
    <lastmod>2026-04-20T08:29:34.371Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/request-virtual-account-setup</loc>
    <lastmod>2026-04-20T08:29:34.423Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/toggle-auto-withdrawal</loc>
    <lastmod>2026-04-20T08:29:34.412Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/top-up-wallet-via-saved-card</loc>
    <lastmod>2026-04-20T08:29:34.392Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/wallet/withdraw-from-wallet</loc>
    <lastmod>2026-04-20T08:29:34.402Z</lastmod>
  </url>

  <url>
    <loc>https://docs.ketapay.com/api-reference/webhooks/paystack-webhook-receiver</loc>
    <lastmod>2026-04-20T08:29:34.292Z</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>2026-04-20T08:29:39.978Z</lastmod>
  </url>

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