<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage -->
  <url>
    <loc>https://smartapayments.com/</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- High-Risk Payment Processing -->
  <url>
    <loc>https://smartapayments.com/high-risk</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Comparison / Calculator -->
  <url>
    <loc>https://smartapayments.com/comparison</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Contact -->
  <url>
    <loc>https://smartapayments.com/contact</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- About -->
  <url>
    <loc>https://smartapayments.com/about</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <!-- FAQs -->
  <url>
    <loc>https://smartapayments.com/faqs</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <!-- Resources -->
  <url>
    <loc>https://smartapayments.com/resources</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <!-- Solution Pages -->
  <url>
    <loc>https://smartapayments.com/solutions</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://smartapayments.com/solutions/dtc</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://smartapayments.com/solutions/ecommerce</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://smartapayments.com/solutions/saas</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://smartapayments.com/solutions/b2b</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://smartapayments.com/solutions/agencies</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  
  <!-- Legal Pages -->
  <url>
    <loc>https://smartapayments.com/privacy</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartapayments.com/terms</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://smartapayments.com/cookies</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>
  
  <!-- Blog -->
  <url>
    <loc>https://smartapayments.com/blog</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>
