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  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/account-tokenization-success</loc>
    <lastmod>2026-05-04T00:10:53.835Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/ach-account-number-verification-failure</loc>
    <lastmod>2026-05-04T00:10:53.764Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/ach-nameaddress-verification-failure</loc>
    <lastmod>2026-05-04T00:10:53.780Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/ach-routing-number-verification-failure</loc>
    <lastmod>2026-05-04T00:10:53.754Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/approval-decision-—-approved</loc>
    <lastmod>2026-05-04T00:10:54.132Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/approval-decision-—-declined</loc>
    <lastmod>2026-05-04T00:10:54.142Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/approvals-complete</loc>
    <lastmod>2026-05-04T00:10:54.153Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/approvals-—-payment-suspended</loc>
    <lastmod>2026-05-04T00:10:54.121Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/authentication-failure</loc>
    <lastmod>2026-05-04T00:10:53.905Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/authentication-success</loc>
    <lastmod>2026-05-04T00:10:53.895Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/card-avscvv-verification-failure</loc>
    <lastmod>2026-05-04T00:10:53.744Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/card-cnscd-verification-failure</loc>
    <lastmod>2026-05-04T00:10:53.733Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/check-canceled</loc>
    <lastmod>2026-05-04T00:10:53.662Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/check-in-process</loc>
    <lastmod>2026-05-04T00:10:53.945Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/check-issued</loc>
    <lastmod>2026-05-04T00:10:53.637Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/check-paid</loc>
    <lastmod>2026-05-04T00:10:53.650Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/check-returned</loc>
    <lastmod>2026-05-04T00:10:53.682Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/check-stopped</loc>
    <lastmod>2026-05-04T00:10:53.672Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/disbursement-request-canceled</loc>
    <lastmod>2026-05-04T00:10:53.925Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/disbursement-request-expired</loc>
    <lastmod>2026-05-04T00:10:53.915Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/disbursement-staged</loc>
    <lastmod>2026-05-04T00:10:53.974Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/dynamic-validation-failure</loc>
    <lastmod>2026-05-04T00:10:54.027Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/dynamic-validation-success</loc>
    <lastmod>2026-05-04T00:10:54.017Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/notification-bounced</loc>
    <lastmod>2026-05-04T00:10:53.885Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/notification-received</loc>
    <lastmod>2026-05-04T00:10:53.875Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/notification-sent</loc>
    <lastmod>2026-05-04T00:10:53.865Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/ofac-cleared</loc>
    <lastmod>2026-05-04T00:10:53.713Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/ofac-failure</loc>
    <lastmod>2026-05-04T00:10:53.723Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/ofac-suspended</loc>
    <lastmod>2026-05-04T00:10:53.703Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/otac-delivery-generated</loc>
    <lastmod>2026-05-04T00:10:54.036Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/otac-delivery-limit-reached</loc>
    <lastmod>2026-05-04T00:10:54.046Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/otac-validation-failure</loc>
    <lastmod>2026-05-04T00:10:54.071Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/otac-validation-success</loc>
    <lastmod>2026-05-04T00:10:54.057Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/overall-authentication-failed</loc>
    <lastmod>2026-05-04T00:10:54.091Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/overall-authentication-passed</loc>
    <lastmod>2026-05-04T00:10:54.081Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/party-notification-bounced</loc>
    <lastmod>2026-05-04T00:10:54.004Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/party-notification-received</loc>
    <lastmod>2026-05-04T00:10:53.994Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/party-notification-sent</loc>
    <lastmod>2026-05-04T00:10:53.984Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/party-role-change</loc>
    <lastmod>2026-05-04T00:10:54.163Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/payment-failed</loc>
    <lastmod>2026-05-04T00:10:53.935Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/payment-returned</loc>
    <lastmod>2026-05-04T00:10:53.693Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/payment-successful</loc>
    <lastmod>2026-05-04T00:10:53.955Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/payment-terminated</loc>
    <lastmod>2026-05-04T00:10:53.964Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/paypal-account-verification-failure</loc>
    <lastmod>2026-05-04T00:10:53.801Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/paypal-account-verification-success</loc>
    <lastmod>2026-05-04T00:10:53.791Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/recipient-canceled</loc>
    <lastmod>2026-05-04T00:10:54.101Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/rvdm-verification-failure</loc>
    <lastmod>2026-05-04T00:10:53.821Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/rvdm-verification-success</loc>
    <lastmod>2026-05-04T00:10:53.811Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/session-expired</loc>
    <lastmod>2026-05-04T00:10:53.846Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/session-terminated</loc>
    <lastmod>2026-05-04T00:10:53.856Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/api-reference/websockets/settlement-adjustment</loc>
    <lastmod>2026-05-04T00:10:54.111Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/accounts/get-balance</loc>
    <lastmod>2026-04-28T22:17:29.567Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/accounts/issue-rba</loc>
    <lastmod>2026-04-28T22:17:29.594Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/accounts/link-bank-account</loc>
    <lastmod>2026-04-28T22:17:29.590Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/money/balance-business</loc>
    <lastmod>2026-05-01T22:46:50.560Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/money/balance-program</loc>
    <lastmod>2026-05-01T22:46:50.598Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/money/balance-user</loc>
    <lastmod>2026-05-01T22:46:50.592Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/money/book-transfer</loc>
    <lastmod>2026-04-28T22:17:29.593Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/money/payout</loc>
    <lastmod>2026-04-28T22:17:29.592Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/money/top-up</loc>
    <lastmod>2026-04-28T22:17:29.592Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/onboarding/create-business</loc>
    <lastmod>2026-04-28T22:17:29.595Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/onboarding/create-user</loc>
    <lastmod>2026-04-28T22:17:29.674Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/onboarding/verify-business</loc>
    <lastmod>2026-04-28T22:17:29.668Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/onboarding/verify-user</loc>
    <lastmod>2026-04-28T22:17:29.679Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/overview</loc>
    <lastmod>2026-05-04T00:44:34.258Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/quick-start</loc>
    <lastmod>2026-05-03T07:04:27.768Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/banking/webhooks/overview</loc>
    <lastmod>2026-05-03T06:36:44.299Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/guides/errors</loc>
    <lastmod>2026-05-03T11:47:26.780Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/ai-assistant</loc>
    <lastmod>2026-05-03T10:13:01.347Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/authentication</loc>
    <lastmod>2026-05-03T10:13:01.362Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/best-practices</loc>
    <lastmod>2026-05-04T00:11:03.683Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/compliance</loc>
    <lastmod>2026-05-04T00:11:03.685Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/domain-setup</loc>
    <lastmod>2026-05-04T00:44:34.741Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/legal</loc>
    <lastmod>2026-05-04T00:11:03.912Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/overview</loc>
    <lastmod>2026-05-04T00:44:34.736Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/partnership-onboarding</loc>
    <lastmod>2026-05-04T00:52:50.127Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/product-risk-configurations</loc>
    <lastmod>2026-05-04T00:11:03.914Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/quick-start</loc>
    <lastmod>2026-05-04T00:52:50.130Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/reporting</loc>
    <lastmod>2026-05-03T09:15:53.129Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/hub/webhooks</loc>
    <lastmod>2026-05-03T06:36:44.983Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/iframe/overview</loc>
    <lastmod>2026-05-04T00:44:35.254Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/iframe/quick-start</loc>
    <lastmod>2026-05-04T00:52:50.125Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/iframe/session/create</loc>
    <lastmod>2026-04-28T22:17:29.751Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/iframe/session/events</loc>
    <lastmod>2026-05-03T09:15:53.474Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/iframe/session/mounting</loc>
    <lastmod>2026-05-03T09:15:53.473Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/iframe/session/session-management</loc>
    <lastmod>2026-05-03T09:15:53.477Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/iframe/webhooks/overview</loc>
    <lastmod>2026-05-04T00:11:04.384Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/ancillary/biller-search</loc>
    <lastmod>2026-04-28T22:17:29.781Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/ancillary/check-cancel</loc>
    <lastmod>2026-04-28T22:17:29.778Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/ancillary/check-stop</loc>
    <lastmod>2026-04-28T22:17:29.783Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/debit/process-ach</loc>
    <lastmod>2026-04-28T22:17:29.779Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/debit/process-card</loc>
    <lastmod>2026-04-28T22:17:29.780Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/debit/process-wire</loc>
    <lastmod>2026-04-30T19:49:54.987Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/overview</loc>
    <lastmod>2026-05-04T01:25:12.978Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/payment-methods</loc>
    <lastmod>2026-05-03T11:47:26.852Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/process/ach</loc>
    <lastmod>2026-04-28T22:17:29.779Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/process/billpay</loc>
    <lastmod>2026-04-28T22:17:29.782Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/process/card</loc>
    <lastmod>2026-04-28T22:17:29.781Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/process/check</loc>
    <lastmod>2026-04-28T22:17:29.809Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/process/paypal-venmo</loc>
    <lastmod>2026-04-28T22:17:29.808Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/process/retail-card-present</loc>
    <lastmod>2026-04-28T22:17:29.809Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/quick-start</loc>
    <lastmod>2026-05-04T00:52:50.124Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/risk/risk-score</loc>
    <lastmod>2026-04-28T22:17:29.805Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/risk/risk-session</loc>
    <lastmod>2026-04-28T22:17:29.804Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/verify/ach</loc>
    <lastmod>2026-04-28T22:17:29.806Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/verify/billpay</loc>
    <lastmod>2026-04-28T22:17:29.805Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/verify/card</loc>
    <lastmod>2026-04-28T22:17:29.807Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/verify/check</loc>
    <lastmod>2026-04-28T22:17:29.808Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/verify/open-banking</loc>
    <lastmod>2026-04-30T19:49:55.207Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/verify/paypal-venmo</loc>
    <lastmod>2026-04-28T22:17:29.850Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/verify/retail-card-present</loc>
    <lastmod>2026-04-28T22:17:29.851Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/verify/wire</loc>
    <lastmod>2026-04-30T19:49:55.205Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/ingopay/webhooks/overview</loc>
    <lastmod>2026-05-04T00:11:05.704Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/notify-classic/notify/cancel</loc>
    <lastmod>2026-04-28T22:17:29.840Z</lastmod>
  </url>

  <url>
    <loc>https://developers.ingopayments.com/docs/notify-classic/notify/stage</loc>
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