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  <url>
    <loc>https://doc.engagexpay.com/api-reference/authentication/issue-a-token</loc>
    <lastmod>2026-11-04T12:53:44.513Z</lastmod>
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    <loc>https://doc.engagexpay.com/api-reference/authentication/refresh-a-token</loc>
    <lastmod>2026-11-03T16:36:17.360Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/balances/fetch-prefunded-balance</loc>
    <lastmod>2026-11-04T12:53:44.510Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/create-beneficiary-v2</loc>
    <lastmod>2026-11-04T12:53:44.510Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/create-beneficiary-v3</loc>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/fetch-beneficiary-details-v2</loc>
    <lastmod>2026-11-03T16:36:17.375Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/list-available-countries</loc>
    <lastmod>2026-11-03T16:36:17.361Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/list-bank-branch-identifiers</loc>
    <lastmod>2026-11-03T16:36:17.360Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/list-bank-identifiers</loc>
    <lastmod>2026-11-03T16:36:17.372Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/list-beneficiaries-for-a-customer</loc>
    <lastmod>2026-11-03T16:36:17.363Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/update-beneficiary-active-status</loc>
    <lastmod>2026-11-03T16:36:17.366Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/beneficiaries/upload-beneficiary-documents</loc>
    <lastmod>2026-11-03T16:36:17.363Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/catalogue/list-account-purposes</loc>
    <lastmod>2026-11-03T16:36:17.367Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/catalogue/list-countries</loc>
    <lastmod>2026-11-03T16:36:17.372Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/catalogue/list-occupations</loc>
    <lastmod>2026-11-03T16:36:17.374Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/catalogue/list-source-of-funds</loc>
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    <loc>https://doc.engagexpay.com/api-reference/catalogue/list-source-of-wealth</loc>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/catalogue/list-subdivisions</loc>
    <lastmod>2026-11-03T16:36:16.729Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/catalogue/list-transaction-purposes</loc>
    <lastmod>2026-11-03T16:36:16.724Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/attach-documents-to-associated-party-v2</loc>
    <lastmod>2026-11-04T12:53:44.511Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/attach-documents-to-business-customer-v2</loc>
    <lastmod>2026-11-04T12:53:44.508Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/attach-documents-to-individual-customer-v2</loc>
    <lastmod>2026-11-04T12:53:44.508Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/create-business-customer-v2</loc>
    <lastmod>2026-11-04T12:53:44.509Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/create-individual-customer-v2</loc>
    <lastmod>2026-11-04T12:53:44.520Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/get-customer-capabilities</loc>
    <lastmod>2026-11-03T16:36:16.726Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/get-customer-details-v2</loc>
    <lastmod>2026-11-03T16:36:16.727Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/get-required-documents</loc>
    <lastmod>2026-11-03T16:36:16.725Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/list-customers-v2</loc>
    <lastmod>2026-11-03T16:36:16.736Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/patch-customer-rfi</loc>
    <lastmod>2026-11-03T16:36:16.723Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/customers/upload-document</loc>
    <lastmod>2026-11-03T16:36:16.740Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/fees-and-fx-rates/calculate-exchange-rates</loc>
    <lastmod>2026-11-03T16:36:16.722Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/fees-and-fx-rates/fetch-exchange-rates</loc>
    <lastmod>2026-11-03T16:36:16.719Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/create-a-transfer</loc>
    <lastmod>2026-11-03T16:36:16.721Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/create-a-transfer-v2</loc>
    <lastmod>2026-11-03T16:36:16.719Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/create-a-transfer-v3</loc>
    <lastmod>2026-11-03T16:36:16.722Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/create-quote</loc>
    <lastmod>2026-11-04T12:53:44.388Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/create-quote-v3</loc>
    <lastmod>2026-11-04T12:53:44.389Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/execute-batch-transfer</loc>
    <lastmod>2026-11-03T16:36:16.724Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/execute-batch-transfer-v3</loc>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/execute-quote</loc>
    <lastmod>2026-11-03T16:36:16.764Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/execute-quote-v3</loc>
    <lastmod>2026-11-03T16:36:16.731Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/fetch-batch-details</loc>
    <lastmod>2026-11-03T16:36:16.728Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/fetch-transaction-details-v2</loc>
    <lastmod>2026-11-03T16:36:16.738Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/fetch-transaction-details-v3</loc>
    <lastmod>2026-11-03T16:36:16.718Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/list-beneficiary-transactions</loc>
    <lastmod>2026-11-03T16:36:16.752Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/list-customer-transactions</loc>
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  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/list-customer-transactions-v3</loc>
    <lastmod>2026-11-03T16:36:16.740Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/settle-a-transfer</loc>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/settle-a-transfer-v2</loc>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/settle-a-transfer-v3</loc>
    <lastmod>2026-11-03T16:36:16.743Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/transactions/upload-beneficiary-documents</loc>
    <lastmod>2026-11-03T16:36:16.735Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/virtual-accounts/create-virtual-account-v2</loc>
    <lastmod>2026-11-04T12:53:44.427Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/virtual-accounts/create-virtual-account-v3</loc>
    <lastmod>2026-11-04T12:53:44.388Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/virtual-accounts/fetch-virtual-account-transactions</loc>
    <lastmod>2026-11-03T16:36:16.737Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/virtual-accounts/get-virtual-account-details</loc>
    <lastmod>2026-11-03T16:36:16.763Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/virtual-accounts/list-virtual-accounts-v3</loc>
    <lastmod>2026-11-03T16:36:13.769Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/batch-transaction-item-status</loc>
    <lastmod>2026-11-03T16:36:13.763Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/beneficiary-created</loc>
    <lastmod>2026-11-03T16:36:13.767Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/beneficiary-liquidation-deposit</loc>
    <lastmod>2026-11-03T16:36:13.777Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/beneficiary-status</loc>
    <lastmod>2026-11-03T16:36:13.770Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/customer-created</loc>
    <lastmod>2026-11-03T16:36:13.769Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/customer-rfi</loc>
    <lastmod>2026-11-03T16:36:13.766Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/customer-status</loc>
    <lastmod>2026-11-03T16:36:13.776Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/transaction-status</loc>
    <lastmod>2026-11-03T16:36:13.752Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/virtual-account-created-v2</loc>
    <lastmod>2026-11-03T16:36:13.771Z</lastmod>
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  <url>
    <loc>https://doc.engagexpay.com/api-reference/webhooks/virtual-account-status-v2</loc>
    <lastmod>2026-11-03T16:36:13.768Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/changelogs/2026-08-16</loc>
    <lastmod>2026-11-04T12:53:44.387Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/changelogs/2026-09-09</loc>
    <lastmod>2026-11-03T16:36:13.758Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/changelogs/2026-10-02</loc>
    <lastmod>2026-11-03T16:36:13.757Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/changelogs/2026-10-09</loc>
    <lastmod>2026-11-03T16:36:13.761Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/changelogs/2026-10-10</loc>
    <lastmod>2026-11-03T16:36:13.766Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/changelogs/2026-10-16</loc>
    <lastmod>2026-11-03T16:36:13.668Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/changelogs/2026-10-27</loc>
    <lastmod>2026-11-03T16:36:13.755Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/faqs</loc>
    <lastmod>2026-11-04T12:53:43.498Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/beneficiaries/bank-account-and-routing-validation-rules</loc>
    <lastmod>2026-11-03T16:36:13.775Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/beneficiaries/beneficiary-onboarding</loc>
    <lastmod>2026-11-04T12:54:35.967Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/beneficiaries/sender-and-receiver-relationships</loc>
    <lastmod>2026-11-03T16:36:13.780Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/beneficiaries/sending-your-first-payout</loc>
    <lastmod>2026-11-04T12:53:43.489Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/coverage/coverage-and-capabilities</loc>
    <lastmod>2026-11-04T12:53:43.488Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/coverage/supported-rails-and-currencies</loc>
    <lastmod>2026-11-04T12:53:43.512Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/business-industry-codes</loc>
    <lastmod>2026-11-04T12:54:35.982Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/business-tax-id-documents-by-region</loc>
    <lastmod>2026-11-04T12:53:43.481Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/entity-wise-document-requirement</loc>
    <lastmod>2026-11-04T12:54:35.970Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/high-risk-activities</loc>
    <lastmod>2026-11-04T12:53:43.486Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/individual-identifying-documents</loc>
    <lastmod>2026-11-04T12:53:43.487Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/individual-tax-id-documents</loc>
    <lastmod>2026-11-04T12:53:43.483Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/nested-payments-and-onboarding</loc>
    <lastmod>2026-11-04T12:53:43.493Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/onboarding-businesses</loc>
    <lastmod>2026-11-04T12:53:43.479Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/onboarding-individuals</loc>
    <lastmod>2026-11-04T12:53:43.485Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/responding-to-rfis</loc>
    <lastmod>2026-11-04T12:53:43.491Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/customers-and-compliance/sla-for-compliance</loc>
    <lastmod>2026-11-04T12:53:43.488Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/get-started/engagexpay-setup-guide</loc>
    <lastmod>2026-11-04T12:53:43.482Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/get-started/glossary</loc>
    <lastmod>2026-11-04T12:53:43.477Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/move-money/funding-your-balance</loc>
    <lastmod>2026-11-04T12:53:43.475Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/move-money/how-usd-features-work-for-a-customer</loc>
    <lastmod>2026-11-04T12:54:35.922Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/operations/bank-holidays-2026</loc>
    <lastmod>2026-11-03T16:36:10.847Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/operations/processing-windows-and-cutoffs</loc>
    <lastmod>2026-11-04T12:53:43.479Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/virtual-accounts/creating-a-virtual-account</loc>
    <lastmod>2026-11-04T12:53:43.491Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/virtual-accounts/receiving-the-first-deposit</loc>
    <lastmod>2026-11-03T16:36:10.865Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/webhooks/event-structure</loc>
    <lastmod>2026-11-04T12:53:43.495Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com/guides/webhooks/verifying-webhooks</loc>
    <lastmod>2026-11-04T12:53:43.477Z</lastmod>
  </url>

  <url>
    <loc>https://doc.engagexpay.com</loc>
    <lastmod>2026-11-04T12:53:43.485Z</lastmod>
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