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  <url>
    <loc>https://orbytpay.com/api/</loc>
    <lastmod>2026-06-24</lastmod>
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>REST API</image:title>
      <image:caption>The Orbyt Pay REST API: idempotent global endpoints, webhooks and versioned, predictable JSON responses. Charge any rail with one request.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/authentication/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/authentication/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>API Authentication</image:title>
      <image:caption>Authenticate Orbyt Pay API requests with secret keys over HTTPS. Separate live and test keys, rotation and scoping.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/charges/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/charges/" />
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://orbytpay.com/api/charges/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Charges API</image:title>
      <image:caption>Create, capture and retrieve charges across wallet, card, proximity and offline rails with one idempotent endpoint.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/payouts/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/payouts/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Payouts API</image:title>
      <image:caption>Send money to wallets, bank accounts and merchants with scheduled or instant payouts. Full audit trail on Ledger Moon.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/refunds/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/refunds/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Refunds API</image:title>
      <image:caption>Issue full or partial refunds with instant ledger updates and webhook notifications.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/customers/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/customers/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Customers API</image:title>
      <image:caption>Store customers, payment instruments and reusable tokens for repeat charges and subscriptions.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/balances/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/balances/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Balances API</image:title>
      <image:caption>Read real-time available and pending balances straight from Ledger Moon, broken down by currency and rail.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/transactions/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/transactions/" />
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://orbytpay.com/api/transactions/" />
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    <xhtml:link rel="alternate" hreflang="en-GB" href="https://orbytpay.com/api/transactions/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Transactions API</image:title>
      <image:caption>Query the append-only Ledger Moon with rich filters: by rail, status, customer, date and more.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/webhooks/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/webhooks/" />
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://orbytpay.com/api/webhooks/" />
    <xhtml:link rel="alternate" hreflang="en-US" href="https://orbytpay.com/api/webhooks/" />
    <xhtml:link rel="alternate" hreflang="en-GB" href="https://orbytpay.com/api/webhooks/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/api/webhooks/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Webhooks</image:title>
      <image:caption>Receive signed, retried webhooks for every ledger state change. Verify signatures, handle idempotently, replay from the dashboard.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/idempotency/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/idempotency/" />
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://orbytpay.com/api/idempotency/" />
    <xhtml:link rel="alternate" hreflang="en-US" href="https://orbytpay.com/api/idempotency/" />
    <xhtml:link rel="alternate" hreflang="en-GB" href="https://orbytpay.com/api/idempotency/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/api/idempotency/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Idempotency</image:title>
      <image:caption>Send an Idempotency-Key header and retry any request safely. Orbyt Pay returns the original result and never double-charges.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/errors/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/errors/" />
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://orbytpay.com/api/errors/" />
    <xhtml:link rel="alternate" hreflang="en-US" href="https://orbytpay.com/api/errors/" />
    <xhtml:link rel="alternate" hreflang="en-GB" href="https://orbytpay.com/api/errors/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/api/errors/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>API Errors</image:title>
      <image:caption>Predictable HTTP status codes and machine-readable error types with clear recovery guidance.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/rate-limits/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/rate-limits/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Rate Limits</image:title>
      <image:caption>Per-key rate limits with clear headers and a recommended exponential backoff strategy.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/versioning/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/versioning/" />
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    <xhtml:link rel="alternate" hreflang="en-GB" href="https://orbytpay.com/api/versioning/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/api/versioning/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>API Versioning</image:title>
      <image:caption>Date-based API versioning means nothing breaks under you. Pin a version; upgrade on your schedule.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/api/sdks/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/api/sdks/" />
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    <xhtml:link rel="alternate" hreflang="en-US" href="https://orbytpay.com/api/sdks/" />
    <xhtml:link rel="alternate" hreflang="en-GB" href="https://orbytpay.com/api/sdks/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/api/sdks/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>SDKs</image:title>
      <image:caption>Official Orbyt Pay SDKs for Node.js, Python, PHP and Go. Typed, idempotent, webhook-ready.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/developers/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/developers/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Developers</image:title>
      <image:caption>Build on Orbyt Pay: typed SDKs, signed webhooks, a production-mirror sandbox and a single API for every rail. Go live in one call.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/developers/quickstart/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/developers/quickstart/" />
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/developers/quickstart/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Quickstart</image:title>
      <image:caption>Install an SDK, grab a test key and create your first charge across any rail in minutes.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/developers/sandbox/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/developers/sandbox/" />
    <xhtml:link rel="alternate" hreflang="en-NG" href="https://orbytpay.com/developers/sandbox/" />
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/developers/sandbox/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Sandbox</image:title>
      <image:caption>The Orbyt Pay sandbox mirrors production cent-for-cent: real ledger semantics, webhooks and rail behaviour with test money.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/developers/testing/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/developers/testing/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Testing</image:title>
      <image:caption>Deterministic test instruments and scenarios: approvals, declines, 3-D Secure, offline-queue replay and webhook simulation.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/developers/sdk-node/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/developers/sdk-node/" />
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/developers/sdk-node/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Node.js SDK</image:title>
      <image:caption>The official Node.js SDK for Orbyt Pay: fully typed, idempotent by default, webhook verification built in.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/developers/sdk-python/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/developers/sdk-python/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Python SDK</image:title>
      <image:caption>The official Python SDK for Orbyt Pay: sync and async clients, typed models, webhook helpers.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/developers/sdk-php/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/developers/sdk-php/" />
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://orbytpay.com/developers/sdk-php/" />
    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>PHP SDK</image:title>
      <image:caption>The official PHP SDK for Orbyt Pay: PSR-compliant, framework-agnostic, webhook verification included.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/developers/sdk-go/</loc>
    <lastmod>2026-06-24</lastmod>
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    <priority>0.65</priority>
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Go SDK</image:title>
      <image:caption>The official Go SDK for Orbyt Pay: context-aware, zero-dependency core, idempotent helpers.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/status/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/status/" />
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    <image:image>
      <image:loc>https://orbytpay.com/og-image.svg</image:loc>
      <image:title>Status</image:title>
      <image:caption>Live operational status for Orbyt Pay rails, API and webhooks, plus historical uptime and incident reports.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://orbytpay.com/changelog/</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
    <xhtml:link rel="alternate" hreflang="en" href="https://orbytpay.com/changelog/" />
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    <image:image>
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      <image:title>Changelog</image:title>
      <image:caption>Every change to the Orbyt Pay API and platform, with dates and migration notes. Date-based versioning means nothing breaks under you.</image:caption>
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