<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">

  <!-- Home / Root —primary entry point for unauthenticated users -->
  <url>
    <loc>https://merchant.smoothpay.ai/</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Login page — main user entry point -->
  <url>
    <loc>https://merchant.smoothpay.ai/login</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>

  <!-- Account Recovery Pages -->
  <url>
    <loc>https://merchant.smoothpay.ai/forgot-password</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://merchant.smoothpay.ai/reset-password</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Account Invitation/Onboarding -->
  <url>
    <loc>https://merchant.smoothpay.ai/accept-invitation</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Error/Status Pages (low priority, but useful for monitoring) -->
  <url>
    <loc>https://merchant.smoothpay.ai/unauthorized</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://merchant.smoothpay.ai/server-error</loc>
    <lastmod>2026-03-24</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

</urlset>
