<?xml version='1.0' encoding='UTF-8'?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://support.hellozai.com/why-do-i-need-to-set-a-disbursement-account</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/direct-debit-payments</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/the-importance-of-card-decline-response-codes</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/error-error-adding-card.-if-this-error-persists-please-contact-our-support-team</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/why-am-i-getting-credit-card-refund-failed-error-communicating-with-the-bank.-response</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/how-to-enable-multi-factor-authentication-mfa-on-the-zai-dashboard</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/bpay-payouts</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/what-is-a-chargeback</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/payout-options</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/error-token-not-authorised</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/chargeback-reason-codes</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/operating-hours</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/how-do-fees-work</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/email-channels</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/can-a-user-have-more-than-one-active-payid-associated-with-a-virtual-account</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/bpay-processing-schedule</loc><lastmod>2026-02-10</lastmod></url><url><loc>https://support.hellozai.com/pci-dss-compliance</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/payid-per-user</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/other-payid-types</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/bpay-payins</loc><lastmod>2026-02-10</lastmod></url><url><loc>https://support.hellozai.com/payment-descriptors</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/hosted-fields</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/how-do-refunds-work</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/does-an-item-ever-expire-after-a-certain-amount-of-time</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/chargeback-remedy-requirements</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/payto-pre-live-environment</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/sanctions</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/new-webhooks-api</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/wallet-accounts</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/how-do-i-get-an-api-key</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/new-http-error-codes</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/resolving-bpay-payout-errors</loc><lastmod>2026-02-10</lastmod></url><url><loc>https://support.hellozai.com/direct-debit-authority</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/introduction-to-the-assembly-platform</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/card-pre-authentication</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/role-based-access-controls</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/peer-to-peer-p2p-payments</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/virtual-accounts-asynchronous-apis</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/the-four-phases-of-a-chargeback</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/what-personal-user-details-are-needed-to-create-a-virtual-account</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/what-is-this-zai-payment-on-my-card-or-bank-account</loc><lastmod>2026-02-19</lastmod></url><url><loc>https://support.hellozai.com/does-zai-send-a-webhook-when-a-sellers-information-is-added</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/why-am-i-getting-a-make-payment-base-account-must-belong-to-the-user-response</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/managing-chargebacks</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/virtual-accounts</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/error-an-invalid-format-was-used-for-a-fee_id</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/direct-entry-payment-processing</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/further-information-and-faq-confirmation-of-payee-cop</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/glossary</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/payto-overview</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/hosted-forms-bugfix</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/kb-search-results</loc><image:image><image:loc>https://www.hellozai.com/hubfs/Zai_Logo_FullColour-1.png</image:loc><image:caption>ZaiLogoFullColour1</image:caption><image:title>ZaiLogoFullColour1</image:title></image:image><image:image><image:loc>https://www.hellozai.com/hubfs/Zai_Logo_FullColour_RGB.svg</image:loc><image:caption>ZaiLogoFullColourRGB</image:caption><image:title>ZaiLogoFullColourRGB</image:title></image:image><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/how-are-taxes-managed</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/how-often-are-my-platform-fees-deposited</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/how-do-i-find-which-items-were-included-in-a-batch-through-the-api</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/why-am-i-getting-a-make-payment-base-credit-card-authorization-failed-pick-up-card-response</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/non-processing-days</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/can-a-payid-be-paused</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/how-many-accounts-can-i-link-my-payid-to</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com</loc><image:image><image:loc>https://www.hellozai.com/hubfs/CommonQuestionsIcon2.svg</image:loc><image:caption>CommonQuestionsIcon2</image:caption><image:title>CommonQuestionsIcon2</image:title></image:image><image:image><image:loc>https://www.hellozai.com/hubfs/ReportingIcon4.svg</image:loc><image:caption>ReportingIcon4</image:caption><image:title>ReportingIcon4</image:title></image:image><image:image><image:loc>https://www.hellozai.com/hubfs/ProductUpdatesIcon.svg</image:loc><image:caption>ProductUpdatesIcon</image:caption><image:title>ProductUpdatesIcon</image:title></image:image><image:image><image:loc>https://www.hellozai.com/hubfs/PaymentsIcon5.svg</image:loc><image:caption>PaymentsIcon5</image:caption><image:title>PaymentsIcon5</image:title></image:image><image:image><image:loc>https://www.hellozai.com/hubfs/Zai_Logo_FullColour_RGB.svg</image:loc><image:caption>ZaiLogoFullColourRGB</image:caption><image:title>ZaiLogoFullColourRGB</image:title></image:image><image:image><image:loc>https://www.hellozai.com/hubfs/Zai_Logo_FullColour-1.png</image:loc><image:caption>ZaiLogoFullColour1</image:caption><image:title>ZaiLogoFullColour1</image:title></image:image><image:image><image:loc>https://www.hellozai.com/hubfs/RiskIcon.svg</image:loc><image:caption>RiskIcon</image:caption><image:title>RiskIcon</image:title></image:image><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/zais-dashboard</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/kb-404</loc><image:image><image:loc>https://www.hellozai.com/hubfs/Zai_Logo_FullColour-1.png</image:loc><image:caption>ZaiLogoFullColour1</image:caption><image:title>ZaiLogoFullColour1</image:title></image:image><image:image><image:loc>https://www.hellozai.com/hubfs/Zai_Logo_FullColour_RGB.svg</image:loc><image:caption>ZaiLogoFullColourRGB</image:caption><image:title>ZaiLogoFullColourRGB</image:title></image:image><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/communicating-chargebacks-with-customers-and-end-users</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/troubleshooting-multi-factor-authentication-mfa-on-the-zai-dashboard</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/introduction-to-bpay</loc><lastmod>2026-02-10</lastmod></url><url><loc>https://support.hellozai.com/is-it-possible-to-have-more-than-one-legal-name-per-payid</loc><lastmod>2025-12-14</lastmod></url><url><loc>https://support.hellozai.com/requirements-for-your-website</loc><lastmod>2025-12-14</lastmod></url></urlset>