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  <url>
    <loc>https://developers.opencard.io/api-reference/ems/account/get-your-account</loc>
    <lastmod>2026-11-11T08:47:40.647Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/account/update-your-account</loc>
    <lastmod>2026-11-11T08:47:40.658Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/authentication</loc>
    <lastmod>2026-09-01T09:12:10.326Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/billings/create-billing-profile</loc>
    <lastmod>2026-11-11T08:47:40.835Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/billings/get-billing-profile</loc>
    <lastmod>2026-11-11T08:47:40.846Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/billings/list-billing-profiles</loc>
    <lastmod>2026-11-11T08:47:40.824Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/billings/update-billing-profile</loc>
    <lastmod>2026-11-11T08:36:26.371Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/card-holders/create-card-holder</loc>
    <lastmod>2026-11-11T08:36:26.539Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/card-holders/delete-card-holder</loc>
    <lastmod>2026-11-11T08:36:26.562Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/card-holders/list-card-holders</loc>
    <lastmod>2026-11-11T08:36:26.527Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/card-holders/update-card-holder</loc>
    <lastmod>2026-11-11T08:36:26.551Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/identities/list-identities-on-tpa</loc>
    <lastmod>2026-11-11T08:36:26.312Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/oauth-clients/create-oauth-client</loc>
    <lastmod>2026-11-11T08:47:40.681Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/oauth-clients/get-oauth-client</loc>
    <lastmod>2026-11-11T08:47:40.692Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/oauth-clients/list-oauth-clients</loc>
    <lastmod>2026-11-11T08:47:40.670Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/oauth-clients/regenerate-oauth-client-secret</loc>
    <lastmod>2026-11-11T08:36:26.139Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/oauth-clients/update-oauth-client</loc>
    <lastmod>2026-11-11T08:36:26.128Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/oauth/oauth/get-access-token</loc>
    <lastmod>2026-11-11T08:47:40.636Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/organizations/create-organization</loc>
    <lastmod>2026-11-11T08:47:40.925Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/organizations/delete-organization</loc>
    <lastmod>2026-11-11T08:36:26.515Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/organizations/get-organization</loc>
    <lastmod>2026-11-11T08:47:40.937Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/organizations/list-organizations</loc>
    <lastmod>2026-11-11T08:47:40.914Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/organizations/update-organization</loc>
    <lastmod>2026-11-11T08:36:26.503Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/overview</loc>
    <lastmod>2026-11-04T10:28:37.560Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/payment-products/disable-payment-product</loc>
    <lastmod>2026-11-11T08:47:40.903Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/payment-products/enable-payment-product</loc>
    <lastmod>2026-11-11T08:36:26.427Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/payment-products/get-enabled-payment-product</loc>
    <lastmod>2026-11-11T08:47:40.886Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/payment-products/list-available-payment-products</loc>
    <lastmod>2026-11-11T08:36:26.383Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/payment-products/list-enabled-payment-products</loc>
    <lastmod>2026-11-11T08:36:26.396Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/public-records/lookup-company-+-signing-combinations</loc>
    <lastmod>2026-11-11T08:47:40.719Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/receipt-scanner/ocr-scan-receipt</loc>
    <lastmod>2026-11-11T08:47:41.139Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpa-signatories/add-signatory-sends-email</loc>
    <lastmod>2026-11-11T08:47:40.790Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpa-signatories/delete-signatory</loc>
    <lastmod>2026-11-11T08:36:26.297Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpa-signatories/list-signatories</loc>
    <lastmod>2026-11-11T08:47:40.779Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpa-signatories/update-signatory</loc>
    <lastmod>2026-11-11T08:36:26.286Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpas/create-tpa</loc>
    <lastmod>2026-11-11T08:36:26.193Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpas/delete-tpa</loc>
    <lastmod>2026-11-11T08:47:40.761Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpas/download-signed-tpa-pdf</loc>
    <lastmod>2026-11-11T08:36:26.238Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpas/get-tpa</loc>
    <lastmod>2026-11-11T08:47:40.750Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/tpas/list-tpas</loc>
    <lastmod>2026-11-11T08:47:40.732Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/add-webhook-group</loc>
    <lastmod>2026-11-11T08:47:41.104Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/add-webhook-header</loc>
    <lastmod>2026-11-11T08:47:41.051Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/create-webhook</loc>
    <lastmod>2026-11-11T08:47:41.006Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/delete-webhook-group</loc>
    <lastmod>2026-11-11T08:47:41.114Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/delete-webhook-header</loc>
    <lastmod>2026-11-11T08:47:41.086Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/delivery-log</loc>
    <lastmod>2026-11-11T08:47:41.126Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/get-webhook</loc>
    <lastmod>2026-11-11T08:47:41.018Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/get-webhook-header</loc>
    <lastmod>2026-11-11T08:47:41.063Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/list-webhook-groups</loc>
    <lastmod>2026-11-11T08:36:26.716Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/list-webhook-headers</loc>
    <lastmod>2026-11-11T08:36:26.643Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/list-webhooks</loc>
    <lastmod>2026-11-11T08:47:40.995Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/send-a-test-event</loc>
    <lastmod>2026-11-11T08:36:26.632Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/update-webhook</loc>
    <lastmod>2026-11-11T08:36:26.620Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/ems/webhooks/update-webhook-header</loc>
    <lastmod>2026-11-11T08:47:41.074Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/issuers/cards/create-card</loc>
    <lastmod>2026-11-11T08:47:41.161Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/issuers/cards/delete-card</loc>
    <lastmod>2026-11-11T08:47:41.197Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/issuers/cards/get-card</loc>
    <lastmod>2026-11-11T08:47:41.173Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/issuers/cards/list-cards</loc>
    <lastmod>2026-11-11T08:47:41.150Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/issuers/cards/update-card</loc>
    <lastmod>2026-11-11T08:47:41.186Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/issuers/overview</loc>
    <lastmod>2026-09-03T14:13:21.351Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/issuers/transaction-states/create-transaction-state</loc>
    <lastmod>2026-11-11T08:47:41.209Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipt-providers/callback/deliver-receipt-enrichment</loc>
    <lastmod>2026-06-11T15:46:47.788Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipt-providers/overview</loc>
    <lastmod>2026-06-11T15:48:08.098Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipts/callback-requests/create-callback-request</loc>
    <lastmod>2026-06-08T11:52:08.374Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipts/callback-requests/delete-callback-request</loc>
    <lastmod>2026-11-11T08:47:41.292Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipts/callback-requests/get-callback-request</loc>
    <lastmod>2026-11-11T08:47:41.267Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipts/callback-requests/list-callback-requests</loc>
    <lastmod>2026-11-11T08:47:41.247Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipts/callback-requests/update-eg-clearing-status</loc>
    <lastmod>2026-11-11T08:47:41.279Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipts/overview</loc>
    <lastmod>2026-07-01T09:52:22.075Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/api-reference/receipts/publishers/list-active-merchants</loc>
    <lastmod>2026-11-11T08:47:41.220Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers/digital-receipts</loc>
    <lastmod>2026-08-03T11:52:07.600Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers/digital-receipts/integration</loc>
    <lastmod>2026-08-03T11:52:07.604Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers</loc>
    <lastmod>2026-08-03T11:52:07.599Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers/issuer-integration/authentication</loc>
    <lastmod>2026-09-03T14:13:21.349Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers/issuer-integration/cards</loc>
    <lastmod>2026-10-19T12:30:37.740Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers/issuer-integration</loc>
    <lastmod>2026-09-03T14:13:21.352Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers/issuer-integration/onboarding</loc>
    <lastmod>2026-09-03T13:59:15.967Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers/issuer-integration/tpa-integration</loc>
    <lastmod>2026-10-01T08:24:15.261Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/card-issuers/issuer-integration/transaction-states</loc>
    <lastmod>2026-09-03T13:59:15.966Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/card-holders</loc>
    <lastmod>2026-10-24T07:05:05.477Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/current-card-issuer-integration</loc>
    <lastmod>2026-10-24T07:05:05.456Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/customer-onboarding</loc>
    <lastmod>2026-10-24T07:05:05.476Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/eid-signing</loc>
    <lastmod>2026-10-24T07:05:05.457Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/environmental-impact</loc>
    <lastmod>2026-11-11T08:32:21.460Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/error-handling</loc>
    <lastmod>2026-07-17T15:15:39.843Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems</loc>
    <lastmod>2026-10-24T07:05:05.460Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/model/billing</loc>
    <lastmod>2026-09-18T20:30:25.717Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/model/card-holder</loc>
    <lastmod>2026-10-24T07:05:05.458Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/model/organization</loc>
    <lastmod>2026-10-12T07:27:20.874Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/model/tpa</loc>
    <lastmod>2026-09-04T07:25:51.817Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/organization-setup</loc>
    <lastmod>2026-10-12T07:27:20.876Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/payment-products-setup</loc>
    <lastmod>2026-09-18T20:30:25.718Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/plugins</loc>
    <lastmod>2026-09-18T20:30:25.719Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/receipt-scanner</loc>
    <lastmod>2026-11-11T08:36:28.201Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/receipts</loc>
    <lastmod>2026-09-07T11:22:34.883Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/tpa-flow</loc>
    <lastmod>2026-10-24T07:05:05.475Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/webhooks/events</loc>
    <lastmod>2026-09-07T11:22:34.884Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/webhooks/setup</loc>
    <lastmod>2026-11-04T10:28:37.525Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/ems/webhooks/transactions</loc>
    <lastmod>2026-10-12T07:27:20.880Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/getting-started/authentication</loc>
    <lastmod>2026-11-04T10:28:37.523Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/getting-started/quickstart</loc>
    <lastmod>2026-10-24T07:05:05.476Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/getting-started/register</loc>
    <lastmod>2026-07-17T15:15:39.841Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/introduction/environments</loc>
    <lastmod>2026-06-11T07:08:09.384Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/introduction/glossary</loc>
    <lastmod>2026-10-24T07:05:05.474Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/introduction/how-it-works</loc>
    <lastmod>2026-10-24T07:05:05.454Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/introduction</loc>
    <lastmod>2026-07-01T09:42:22.903Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/introduction/welcome</loc>
    <lastmod>2026-07-17T15:31:25.397Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/receipt-providers/callback-delivery</loc>
    <lastmod>2026-06-11T07:08:09.380Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/receipt-providers/how-it-works</loc>
    <lastmod>2026-06-11T07:08:09.379Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/receipt-providers</loc>
    <lastmod>2026-06-11T07:08:09.422Z</lastmod>
  </url>

  <url>
    <loc>https://developers.opencard.io/receipt-providers/payload-formats</loc>
    <lastmod>2026-09-01T10:12:02.264Z</lastmod>
  </url>
</urlset>