<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
    
    <!-- Homepage -->
    <url>
        <loc>https://sekalipay.com/</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>daily</changefreq>
        <priority>1.0</priority>
    </url>
    
    <!-- Merchant Landing Page -->
    <url>
        <loc>https://sekalipay.com/merchant</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>weekly</changefreq>
        <priority>0.9</priority>
    </url>
    
    <!-- Merchant Application -->
    <url>
        <loc>https://sekalipay.com/merchant/apply</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>
    
    <!-- Merchant Help Center -->
    <url>
        <loc>https://sekalipay.com/merchant/help</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <!-- Merchant API Documentation -->
    <url>
        <loc>https://sekalipay.com/merchant/api-docs</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>
    
    <!-- Merchant About -->
    <url>
        <loc>https://sekalipay.com/merchant/about</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Merchant Contact -->
    <url>
        <loc>https://sekalipay.com/merchant/contact</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>
    
    <!-- Merchant Terms & Conditions -->
    <url>
        <loc>https://sekalipay.com/merchant/terms</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.5</priority>
    </url>
    
    <!-- Merchant Privacy Policy -->
    <url>
        <loc>https://sekalipay.com/merchant/privacy</loc>
        <lastmod>2025-12-24</lastmod>
        <changefreq>yearly</changefreq>
        <priority>0.5</priority>
    </url>
    
</urlset>
