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  <url>
    <loc>https://docs.payluk.ng/api-reference/categories/create-category</loc>
    <lastmod>2026-06-23T11:13:09.876Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/categories/delete-category</loc>
    <lastmod>2026-07-24T11:17:59.664Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/categories/get-category-by-id</loc>
    <lastmod>2026-07-24T11:17:59.662Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/categories/list-categories</loc>
    <lastmod>2026-07-24T11:17:59.667Z</lastmod>
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  <url>
    <loc>https://docs.payluk.ng/api-reference/categories/overview</loc>
    <lastmod>2026-07-24T11:07:11.415Z</lastmod>
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  <url>
    <loc>https://docs.payluk.ng/api-reference/categories/update-category</loc>
    <lastmod>2026-07-24T11:17:59.662Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/categories/update-category-position</loc>
    <lastmod>2026-07-24T11:17:59.665Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/crypto-whitelist/add-whitelisted-address</loc>
    <lastmod>2026-07-24T11:17:59.659Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/crypto-whitelist/list-whitelisted-addresses</loc>
    <lastmod>2026-07-24T11:17:59.661Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/crypto-whitelist/overview</loc>
    <lastmod>2026-07-24T11:07:11.409Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/crypto-whitelist/remove-whitelisted-address</loc>
    <lastmod>2026-07-24T11:17:59.660Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/debit-cards/list-customer-debit-cards</loc>
    <lastmod>2026-06-23T11:13:10.274Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/debit-cards/overview</loc>
    <lastmod>2026-07-24T11:07:11.422Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/debit-cards/remove-customer-debit-card</loc>
    <lastmod>2026-07-24T11:17:59.669Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/disputes/buyer-confirm-payment-standard</loc>
    <lastmod>2026-06-23T11:13:10.269Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/disputes/get-dispute-by-escrow-id</loc>
    <lastmod>2026-07-24T11:17:59.661Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/disputes/get-escrow-feeds</loc>
    <lastmod>2026-06-23T11:13:10.271Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/disputes/list-all-customers-disputes</loc>
    <lastmod>2026-06-23T11:13:10.267Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/disputes/list-my-disputes</loc>
    <lastmod>2026-06-23T11:13:10.268Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/disputes/overview</loc>
    <lastmod>2026-07-24T11:07:11.420Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/disputes/resolve-dispute</loc>
    <lastmod>2026-06-23T11:13:10.894Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/disputes/submit-dispute</loc>
    <lastmod>2026-07-24T11:07:11.421Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/escrow/claim-funds</loc>
    <lastmod>2026-06-23T11:13:10.893Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/escrow/create-escrow</loc>
    <lastmod>2026-06-23T11:13:10.887Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/escrow/delete-escrow</loc>
    <lastmod>2026-06-23T11:13:10.888Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/escrow/edit-escrow</loc>
    <lastmod>2026-06-23T11:13:10.890Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/escrow/list-escrow-transactions</loc>
    <lastmod>2026-06-23T11:13:10.889Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/escrow/overview</loc>
    <lastmod>2026-07-24T11:07:11.409Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/escrow/verify-payment-token</loc>
    <lastmod>2026-06-23T11:13:10.889Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/merchant-customers/block-customer</loc>
    <lastmod>2026-07-24T11:17:59.666Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/merchant-customers/create-merchant-customer</loc>
    <lastmod>2026-06-24T04:10:35.349Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/merchant-customers/get-customer-wallet</loc>
    <lastmod>2026-06-23T11:13:11.239Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/merchant-customers/get-merchant-customer</loc>
    <lastmod>2026-07-24T11:17:59.658Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/merchant-customers/list-merchant-customers</loc>
    <lastmod>2026-07-24T11:17:59.624Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/merchant-customers/overview</loc>
    <lastmod>2026-07-24T11:07:08.404Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/merchant-customers/unblock-customer</loc>
    <lastmod>2026-07-24T11:17:59.620Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/merchant-customers/update-customer-permissions</loc>
    <lastmod>2026-07-24T11:17:59.623Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/milestone-escrow/confirm-milestone</loc>
    <lastmod>2026-06-23T17:08:50.615Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/milestone-escrow/convert-to-milestone</loc>
    <lastmod>2026-07-24T11:07:08.402Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/milestone-escrow/create-milestone-escrow</loc>
    <lastmod>2026-06-23T11:13:11.235Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/milestone-escrow/edit-milestone-escrow</loc>
    <lastmod>2026-06-23T19:48:30.992Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/milestone-escrow/get-milestones</loc>
    <lastmod>2026-06-23T11:13:11.594Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/milestone-escrow/overview</loc>
    <lastmod>2026-07-24T11:07:08.394Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/misc/get-countries</loc>
    <lastmod>2026-07-24T11:17:59.621Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/misc/overview</loc>
    <lastmod>2026-07-24T11:07:08.397Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/create-payment-intent</loc>
    <lastmod>2026-07-24T11:07:08.399Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/generate-virtual-account</loc>
    <lastmod>2026-07-24T11:07:08.413Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/get-bank-list</loc>
    <lastmod>2026-07-24T11:17:59.618Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/get-master-wallet-address</loc>
    <lastmod>2026-07-24T11:07:08.403Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/get-payment-history</loc>
    <lastmod>2026-07-24T11:07:08.405Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/overview</loc>
    <lastmod>2026-07-24T11:07:08.396Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/pay-escrow-buy</loc>
    <lastmod>2026-07-24T11:07:08.398Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/top-up-virtual-account-staging-only</loc>
    <lastmod>2026-06-23T11:13:11.933Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/verify-account-number</loc>
    <lastmod>2026-07-24T11:17:59.621Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/verify-payment</loc>
    <lastmod>2026-07-24T11:07:08.405Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/payments/verify-phone-number</loc>
    <lastmod>2026-06-23T11:13:11.930Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/vault-escrow/cancel-vault-escrow</loc>
    <lastmod>2026-07-24T11:07:08.395Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/vault-escrow/create-vault-escrow</loc>
    <lastmod>2026-07-24T11:07:08.413Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/vault-escrow/declare-vault-winner</loc>
    <lastmod>2026-07-24T11:07:08.392Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/vault-escrow/get-vault-escrow</loc>
    <lastmod>2026-07-24T10:36:14.737Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/api-reference/vault-escrow/overview</loc>
    <lastmod>2026-07-24T11:07:08.406Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/authentication</loc>
    <lastmod>2026-07-24T11:07:08.403Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/changelog</loc>
    <lastmod>2026-07-24T11:07:08.397Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/dispute-resolution</loc>
    <lastmod>2026-07-24T11:07:08.393Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/escrow-lifecycle</loc>
    <lastmod>2026-07-24T11:07:08.393Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/fees-and-settlement</loc>
    <lastmod>2026-07-24T11:07:08.407Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/how-it-works</loc>
    <lastmod>2026-07-24T11:07:08.408Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/merchant-customers</loc>
    <lastmod>2026-06-23T11:13:11.927Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/milestone-escrows</loc>
    <lastmod>2026-07-24T11:07:08.414Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/multi-quantity-escrows</loc>
    <lastmod>2026-07-24T11:07:08.404Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/vault-escrows</loc>
    <lastmod>2026-07-24T11:07:08.390Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/concepts/webhooks</loc>
    <lastmod>2026-07-24T11:07:08.409Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/essentials/errors</loc>
    <lastmod>2026-07-24T11:07:08.408Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/essentials/pagination</loc>
    <lastmod>2026-06-23T11:13:12.583Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/essentials/status-reference</loc>
    <lastmod>2026-07-24T11:07:08.359Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/guides/testnet-cngn-setup</loc>
    <lastmod>2026-07-24T11:07:08.395Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/introduction</loc>
    <lastmod>2026-07-24T11:07:08.391Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/quickstart</loc>
    <lastmod>2026-07-24T11:07:08.400Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/sdk/errors</loc>
    <lastmod>2026-07-24T11:07:08.406Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/sdk/introduction</loc>
    <lastmod>2026-07-24T11:07:08.358Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/sdk/javascript</loc>
    <lastmod>2026-07-24T11:07:08.357Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/sdk/react</loc>
    <lastmod>2026-07-24T11:07:08.356Z</lastmod>
  </url>

  <url>
    <loc>https://docs.payluk.ng/sdk/reference</loc>
    <lastmod>2026-06-23T11:13:13.391Z</lastmod>
  </url>
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