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    <loc>https://spiffy.co/glossary/payment-dispute/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-facilitator/</loc>
    <lastmod>2026-06-25T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-gateway/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-method/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-orchestration/</loc>
    <lastmod>2026-06-25T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-plan/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-processor/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-schedule/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-service-provider-psp/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment-services-directive-2-psd2/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/payment/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/pci-compliance/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/physical-product/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/pre-order/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/pre-sale/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/premium-market/</loc>
    <lastmod>2026-06-25T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/price-optimization/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/pricing-model/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/pricing-strategy/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/pricing-structure/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/processing-fee/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/prorate/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/psychological-pricing/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/quarter-over-quarter-qoq/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/recurring-billing/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/recurring-payments/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/refund-policy/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/refund/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/restock-notification/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/retention-rate/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/revenue-attribution/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/revenue-churn-rate/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/revenue-optimization/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/revenue-share/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/royalty-fees/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/sales-page/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/shopping-cart/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/soft-decline/</loc>
    <lastmod>2026-06-25T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/store-credit/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/strong-customer-authentication/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/subscription-model/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/subscription/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/target-market/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/tiered-pricing/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/tiered-subscription-model/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/tokenization/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/transactional-sms/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/trial-period/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/upsell/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/usage-based-billing/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/virtual-terminal/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/volume-discount/</loc>
    <lastmod>2026-06-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://spiffy.co/glossary/week-over-week-wow/</loc>
    <lastmod>2026-06-24T00:00:00.000Z</lastmod>
  </url>
</urlset>
