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  <url>
    <loc>https://docs.pointzero.io/api-reference/3d-secure/retrieve-3ds-settings</loc>
    <lastmod>2026-10-05T20:12:49.637Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/3d-secure/update-3ds-settings</loc>
    <lastmod>2026-10-05T20:12:49.645Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/authorization-controls/retrieve-authorization-controls</loc>
    <lastmod>2026-10-05T20:12:49.611Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/authorization-controls/update-authorization-controls</loc>
    <lastmod>2026-10-05T20:12:49.620Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/create-a-card</loc>
    <lastmod>2026-10-05T20:12:49.484Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/freeze-a-card</loc>
    <lastmod>2026-10-05T20:12:49.545Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/list-cards</loc>
    <lastmod>2026-10-05T20:12:49.475Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/replace-a-card</loc>
    <lastmod>2026-10-05T20:12:49.585Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/retrieve-a-card</loc>
    <lastmod>2026-10-05T20:12:49.502Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/terminate-a-card</loc>
    <lastmod>2026-10-05T20:12:49.566Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/unfreeze-a-card</loc>
    <lastmod>2026-10-05T20:12:49.557Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/update-a-card</loc>
    <lastmod>2026-10-05T20:12:49.536Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/cards/update-spending-controls</loc>
    <lastmod>2026-10-05T20:12:49.594Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/customers/create-a-customer</loc>
    <lastmod>2026-10-05T20:12:49.433Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/customers/list-customers</loc>
    <lastmod>2026-10-05T20:12:49.416Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/customers/retrieve-a-customer</loc>
    <lastmod>2026-10-05T20:12:49.449Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/customers/update-a-customer</loc>
    <lastmod>2026-10-05T20:12:49.458Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/disputes/create-a-dispute</loc>
    <lastmod>2026-10-05T20:12:49.810Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/disputes/list-disputes</loc>
    <lastmod>2026-10-05T20:12:49.801Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/disputes/retrieve-a-dispute</loc>
    <lastmod>2026-10-05T20:12:49.827Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/introduction</loc>
    <lastmod>2026-10-05T20:17:02.477Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/physical-cards/cancel-a-physical-card-order</loc>
    <lastmod>2026-10-05T20:12:49.731Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/physical-cards/order-a-physical-card</loc>
    <lastmod>2026-10-05T20:12:49.721Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/physical-cards/retrieve-a-physical-card-order</loc>
    <lastmod>2026-10-05T20:12:49.705Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/pin/retrieve-pin-status</loc>
    <lastmod>2026-10-05T20:12:49.741Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/pin/set-pin</loc>
    <lastmod>2026-10-05T20:12:49.750Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/pin/unblock-pin</loc>
    <lastmod>2026-10-05T20:12:49.760Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/programs/list-programs</loc>
    <lastmod>2026-10-05T20:12:49.382Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/programs/retrieve-a-program</loc>
    <lastmod>2026-10-05T20:12:49.400Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/transactions/list-transactions</loc>
    <lastmod>2026-10-05T20:12:49.769Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/transactions/retrieve-a-transaction</loc>
    <lastmod>2026-10-05T20:12:49.785Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/wallets/list-wallet-tokens</loc>
    <lastmod>2026-10-05T20:12:49.661Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/wallets/provision-to-a-wallet</loc>
    <lastmod>2026-10-05T20:12:49.673Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/api-reference/wallets/remove-from-a-wallet</loc>
    <lastmod>2026-10-05T20:12:49.689Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/amounts-and-currencies</loc>
    <lastmod>2026-10-05T20:17:02.478Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/authentication</loc>
    <lastmod>2026-10-05T20:17:02.483Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/card-lifecycle</loc>
    <lastmod>2026-10-05T20:17:02.483Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/digital-wallets</loc>
    <lastmod>2026-10-05T20:17:02.482Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/disputes</loc>
    <lastmod>2026-10-05T20:17:02.485Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/environments</loc>
    <lastmod>2026-10-05T20:17:02.484Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/errors</loc>
    <lastmod>2026-10-05T20:17:02.486Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/idempotency</loc>
    <lastmod>2026-10-05T20:17:02.484Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/pagination</loc>
    <lastmod>2026-10-05T20:17:02.485Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/physical-cards</loc>
    <lastmod>2026-10-05T20:17:02.478Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/spending-and-authorization-controls</loc>
    <lastmod>2026-10-05T20:17:02.476Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/guides/transactions</loc>
    <lastmod>2026-10-05T20:17:02.481Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io</loc>
    <lastmod>2026-10-05T20:21:43.068Z</lastmod>
  </url>

  <url>
    <loc>https://docs.pointzero.io/quickstart</loc>
    <lastmod>2026-10-05T20:17:02.476Z</lastmod>
  </url>
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