<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://help.afterpay.com/hc/en-au</loc>
  <lastmod>2026-03-24T11:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca</loc>
  <lastmod>2026-03-24T11:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz</loc>
  <lastmod>2026-03-24T11:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us</loc>
  <lastmod>2026-03-24T11:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca</loc>
  <lastmod>2026-03-24T11:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217425866-How-does-Afterpay-work</loc>
  <lastmod>2024-07-23T03:26:26Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425866-How-does-Afterpay-Work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425866-Comment-fonctionne-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/217425866-How-does-Afterpay-work</loc>
  <lastmod>2024-07-23T03:26:26Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425866-How-does-Afterpay-Work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425866-Comment-fonctionne-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217425866-How-does-Afterpay-Work</loc>
  <lastmod>2024-07-23T03:26:26Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425866-How-does-Afterpay-Work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425866-Comment-fonctionne-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217425866-How-does-Afterpay-work</loc>
  <lastmod>2024-07-23T03:26:26Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425866-How-does-Afterpay-Work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425866-Comment-fonctionne-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/217425866-Comment-fonctionne-Afterpay</loc>
  <lastmod>2024-07-23T03:26:26Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425866-How-does-Afterpay-Work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425866-How-does-Afterpay-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425866-Comment-fonctionne-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217425906-Is-Afterpay-safe-and-secure</loc>
  <lastmod>2022-08-23T23:04:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425906-Le-service-Afterpay-est-il-s%C3%BBr-et-s%C3%A9curis%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/217425906-Is-Afterpay-safe-and-secure</loc>
  <lastmod>2022-08-23T23:04:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425906-Le-service-Afterpay-est-il-s%C3%BBr-et-s%C3%A9curis%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217425906-Is-Afterpay-safe-and-secure</loc>
  <lastmod>2022-08-23T23:04:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425906-Le-service-Afterpay-est-il-s%C3%BBr-et-s%C3%A9curis%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217425906-Is-Afterpay-safe-and-secure</loc>
  <lastmod>2022-08-23T23:04:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425906-Le-service-Afterpay-est-il-s%C3%BBr-et-s%C3%A9curis%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/217425906-Le-service-Afterpay-est-il-s%C3%BBr-et-s%C3%A9curis%C3%A9</loc>
  <lastmod>2022-08-23T23:04:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425906-Is-Afterpay-safe-and-secure"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425906-Le-service-Afterpay-est-il-s%C3%BBr-et-s%C3%A9curis%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217425926-Where-can-I-use-Afterpay</loc>
  <lastmod>2026-02-11T02:55:25Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425926-Where-can-I-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425926-Where-can-I-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425926-Where-can-I-use-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217425926-Where-can-I-use-Afterpay</loc>
  <lastmod>2026-02-11T02:55:25Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425926-Where-can-I-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425926-Where-can-I-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425926-Where-can-I-use-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217425926-Where-can-I-use-Afterpay</loc>
  <lastmod>2026-02-11T02:55:25Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425926-Where-can-I-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425926-Where-can-I-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425926-Where-can-I-use-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217425986-Why-is-my-order-being-declined</loc>
  <lastmod>2025-10-09T21:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425986-Pourquoi-ma-commande-a-t-elle-%C3%A9t%C3%A9-refus%C3%A9e"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/217425986-Why-is-my-order-being-declined</loc>
  <lastmod>2025-10-09T21:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425986-Pourquoi-ma-commande-a-t-elle-%C3%A9t%C3%A9-refus%C3%A9e"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217425986-Why-is-my-order-being-declined</loc>
  <lastmod>2025-10-09T21:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425986-Pourquoi-ma-commande-a-t-elle-%C3%A9t%C3%A9-refus%C3%A9e"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217425986-Why-is-my-order-being-declined</loc>
  <lastmod>2025-10-09T21:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425986-Pourquoi-ma-commande-a-t-elle-%C3%A9t%C3%A9-refus%C3%A9e"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/217425986-Pourquoi-ma-commande-a-t-elle-%C3%A9t%C3%A9-refus%C3%A9e</loc>
  <lastmod>2025-10-09T21:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217425986-Why-is-my-order-being-declined"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217425986-Pourquoi-ma-commande-a-t-elle-%C3%A9t%C3%A9-refus%C3%A9e"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account</loc>
  <lastmod>2025-12-18T03:31:24Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426026-Que-dois-je-faire-si-mon-compte-a-%C3%A9t%C3%A9-d%C3%A9sactiv%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/217426026-What-should-I-do-if-my-account-has-been-disabled</loc>
  <lastmod>2025-12-18T03:31:24Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426026-Que-dois-je-faire-si-mon-compte-a-%C3%A9t%C3%A9-d%C3%A9sactiv%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account</loc>
  <lastmod>2025-12-18T03:31:24Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426026-Que-dois-je-faire-si-mon-compte-a-%C3%A9t%C3%A9-d%C3%A9sactiv%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217426026-What-should-I-do-if-my-account-has-been-disabled</loc>
  <lastmod>2025-12-18T03:31:24Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426026-Que-dois-je-faire-si-mon-compte-a-%C3%A9t%C3%A9-d%C3%A9sactiv%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/217426026-Que-dois-je-faire-si-mon-compte-a-%C3%A9t%C3%A9-d%C3%A9sactiv%C3%A9</loc>
  <lastmod>2025-12-18T03:31:24Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426026-What-Should-I-do-if-I-have-been-Locked-out-of-my-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426026-What-should-I-do-if-my-account-has-been-disabled"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426026-Que-dois-je-faire-si-mon-compte-a-%C3%A9t%C3%A9-d%C3%A9sactiv%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217426066-How-do-I-change-my-email-address</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426066-How-do-I-change-my-email-address"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/217426066-How-do-I-change-my-email-address</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426066-How-do-I-change-my-email-address"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217426066-How-do-I-change-my-email-address</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426066-How-do-I-change-my-email-address"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217426066-How-do-I-change-my-email-address</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426066-How-do-I-change-my-email-address"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426066-How-do-I-change-my-email-address"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty</loc>
  <lastmod>2026-02-03T02:08:58Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426166-Pourquoi-n-ai-je-pas-encore-re%C3%A7u-mes-biens"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty</loc>
  <lastmod>2026-02-03T02:08:58Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426166-Pourquoi-n-ai-je-pas-encore-re%C3%A7u-mes-biens"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty</loc>
  <lastmod>2026-02-03T02:08:58Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426166-Pourquoi-n-ai-je-pas-encore-re%C3%A7u-mes-biens"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty</loc>
  <lastmod>2026-02-03T02:08:58Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426166-Pourquoi-n-ai-je-pas-encore-re%C3%A7u-mes-biens"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/217426166-Pourquoi-n-ai-je-pas-encore-re%C3%A7u-mes-biens</loc>
  <lastmod>2026-02-03T02:08:58Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426166-What-should-I-do-if-my-goods-haven-t-arrived-or-have-arrived-damaged-faulty"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/217426166-Pourquoi-n-ai-je-pas-encore-re%C3%A7u-mes-biens"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217426186-How-do-I-close-my-account</loc>
  <lastmod>2025-12-18T03:40:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426186-How-do-I-close-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/217426186-How-do-I-close-my-account</loc>
  <lastmod>2025-12-18T03:40:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426186-How-do-I-close-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217426186-How-do-I-close-my-account</loc>
  <lastmod>2025-12-18T03:40:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426186-How-do-I-close-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217426186-How-do-I-close-my-account</loc>
  <lastmod>2025-12-18T03:40:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426186-How-do-I-close-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426186-How-do-I-close-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/217426326-How-does-Afterpay-s-direct-debit-system-work</loc>
  <lastmod>2026-01-15T01:11:45Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/217426326-How-does-Afterpay-s-direct-debit-system-work</loc>
  <lastmod>2026-01-15T01:11:45Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/217426326-How-does-Afterpay-s-direct-debit-system-work</loc>
  <lastmod>2026-01-15T01:11:45Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/217426326-How-does-Afterpay-s-direct-debit-system-work</loc>
  <lastmod>2026-01-15T01:11:45Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/217426326-How-does-Afterpay-s-direct-debit-system-work"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/218320383-Who-can-use-Afterpay</loc>
  <lastmod>2024-01-29T17:00:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320383-Who-can-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320383-Who-can-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320383-Who-can-use-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/218320383-Who-can-use-Afterpay</loc>
  <lastmod>2024-01-29T17:00:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320383-Who-can-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320383-Who-can-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320383-Who-can-use-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/218320383-Who-can-use-Afterpay</loc>
  <lastmod>2024-01-29T17:00:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320383-Who-can-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320383-Who-can-use-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320383-Who-can-use-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/218320403-I-want-to-use-Afterpay-how-do-I-apply</loc>
  <lastmod>2025-09-29T06:38:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320403-I-want-to-use-Afterpay-how-do-I-apply"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320403-Je-veux-magasiner-comment-puis-je-m-inscrire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/218320403-I-want-to-shop-how-do-I-sign-up</loc>
  <lastmod>2025-09-29T06:38:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320403-I-want-to-use-Afterpay-how-do-I-apply"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320403-Je-veux-magasiner-comment-puis-je-m-inscrire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/218320403-I-want-to-shop-how-do-I-sign-up</loc>
  <lastmod>2025-09-29T06:38:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320403-I-want-to-use-Afterpay-how-do-I-apply"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320403-Je-veux-magasiner-comment-puis-je-m-inscrire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/218320403-I-want-to-shop-how-do-I-sign-up</loc>
  <lastmod>2025-09-29T06:38:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320403-I-want-to-use-Afterpay-how-do-I-apply"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320403-Je-veux-magasiner-comment-puis-je-m-inscrire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/218320403-Je-veux-magasiner-comment-puis-je-m-inscrire</loc>
  <lastmod>2025-09-29T06:38:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320403-I-want-to-use-Afterpay-how-do-I-apply"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320403-I-want-to-shop-how-do-I-sign-up"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320403-Je-veux-magasiner-comment-puis-je-m-inscrire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/218320463-Why-can-t-I-log-into-Afterpay</loc>
  <lastmod>2023-07-07T04:52:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320463-Je-ne-parviens-pas-%C3%A0-me-connecter-%C3%A0-Afterpay-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/218320463-Why-can-t-I-log-into-Afterpay</loc>
  <lastmod>2023-07-07T04:52:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320463-Je-ne-parviens-pas-%C3%A0-me-connecter-%C3%A0-Afterpay-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/218320463-Why-can-t-I-log-into-Afterpay</loc>
  <lastmod>2023-07-07T04:52:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320463-Je-ne-parviens-pas-%C3%A0-me-connecter-%C3%A0-Afterpay-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/218320463-Why-can-t-I-log-into-Afterpay</loc>
  <lastmod>2023-07-07T04:52:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320463-Je-ne-parviens-pas-%C3%A0-me-connecter-%C3%A0-Afterpay-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/218320463-Je-ne-parviens-pas-%C3%A0-me-connecter-%C3%A0-Afterpay-Pourquoi</loc>
  <lastmod>2023-07-07T04:52:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320463-Why-can-t-I-log-into-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320463-Je-ne-parviens-pas-%C3%A0-me-connecter-%C3%A0-Afterpay-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/218320643-What-do-I-do-if-the-automatic-payment-fails</loc>
  <lastmod>2023-05-16T00:00:40Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320643-What-do-I-do-if-the-automatic-payment-fails"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320643-What-do-I-do-if-the-automatic-payment-fails"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/218320643-What-do-I-do-if-the-automatic-payment-fails</loc>
  <lastmod>2023-05-16T00:00:40Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320643-What-do-I-do-if-the-automatic-payment-fails"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320643-What-do-I-do-if-the-automatic-payment-fails"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/218320803-How-much-can-I-spend-with-Afterpay</loc>
  <lastmod>2025-09-03T00:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320803-Available-to-Spend"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320803-Combien-puis-je-d%C3%A9penser-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/218320803-How-much-can-I-spend-with-Afterpay</loc>
  <lastmod>2025-09-03T00:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320803-Available-to-Spend"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320803-Combien-puis-je-d%C3%A9penser-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/218320803-How-much-can-I-spend-with-Afterpay</loc>
  <lastmod>2025-09-03T00:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320803-Available-to-Spend"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320803-Combien-puis-je-d%C3%A9penser-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/218320803-Available-to-Spend</loc>
  <lastmod>2025-09-03T00:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320803-Available-to-Spend"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320803-Combien-puis-je-d%C3%A9penser-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/218320803-Combien-puis-je-d%C3%A9penser-avec-Afterpay</loc>
  <lastmod>2025-09-03T00:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/218320803-How-much-can-I-spend-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/218320803-Available-to-Spend"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/218320803-Combien-puis-je-d%C3%A9penser-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/115000100143-How-do-I-call-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115000100143-Puis-je-vous-appeler-et-parler-%C3%A0-quelqu-un"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/115000100143-How-do-I-call-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115000100143-Puis-je-vous-appeler-et-parler-%C3%A0-quelqu-un"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/115000100143-How-do-I-call-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115000100143-Puis-je-vous-appeler-et-parler-%C3%A0-quelqu-un"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/115000100143-How-do-I-call-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115000100143-Puis-je-vous-appeler-et-parler-%C3%A0-quelqu-un"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/115000100143-Puis-je-vous-appeler-et-parler-%C3%A0-quelqu-un</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115000100143-How-do-I-call-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115000100143-Puis-je-vous-appeler-et-parler-%C3%A0-quelqu-un"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/115002411163-How-do-I-change-my-mobile-phone-number</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115002411163-How-do-I-change-my-phone-number"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/115002411163-How-do-I-change-my-mobile-phone-number</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115002411163-How-do-I-change-my-phone-number"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/115002411163-How-do-I-change-my-mobile-phone-number</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115002411163-How-do-I-change-my-phone-number"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/115002411163-How-do-I-change-my-phone-number</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115002411163-How-do-I-change-my-mobile-phone-number"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115002411163-How-do-I-change-my-phone-number"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/115003811446-When-will-my-first-payment-be-taken</loc>
  <lastmod>2025-09-28T23:52:55Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115003811446-Quand-mon-premier-paiement-sera-t-il-pr%C3%A9lev%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/115003811446-When-will-my-first-payment-be-taken</loc>
  <lastmod>2025-09-28T23:52:55Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115003811446-Quand-mon-premier-paiement-sera-t-il-pr%C3%A9lev%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/115003811446-When-will-my-first-payment-be-taken</loc>
  <lastmod>2025-09-28T23:52:55Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115003811446-Quand-mon-premier-paiement-sera-t-il-pr%C3%A9lev%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/115003811446-When-will-my-first-payment-be-taken</loc>
  <lastmod>2025-09-28T23:52:55Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115003811446-Quand-mon-premier-paiement-sera-t-il-pr%C3%A9lev%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/115003811446-Quand-mon-premier-paiement-sera-t-il-pr%C3%A9lev%C3%A9</loc>
  <lastmod>2025-09-28T23:52:55Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115003811446-When-will-my-first-payment-be-taken"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115003811446-Quand-mon-premier-paiement-sera-t-il-pr%C3%A9lev%C3%A9"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/115004456306-Have-you-downloaded-our-Mobile-App</loc>
  <lastmod>2023-11-30T20:00:04Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/115004456306-Have-you-downloaded-our-Mobile-App</loc>
  <lastmod>2023-11-30T20:00:04Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/115004456306-Have-you-downloaded-our-Mobile-App</loc>
  <lastmod>2023-11-30T20:00:04Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115004456306-Have-you-downloaded-our-Mobile-App"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/115005264166-Difficulty-paying-on-time-or-facing-financial-hardship</loc>
  <lastmod>2025-01-21T04:27:47Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/115005762006-How-many-orders-can-I-have-with-Afterpay</loc>
  <lastmod>2025-06-09T14:00:32Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115005762006-Combien-de-commandes-puis-je-avoir-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/115005762006-How-many-orders-can-I-have-with-Afterpay</loc>
  <lastmod>2025-06-09T14:00:32Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115005762006-Combien-de-commandes-puis-je-avoir-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/115005762006-How-many-orders-can-I-have-with-Afterpay</loc>
  <lastmod>2025-06-09T14:00:32Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115005762006-Combien-de-commandes-puis-je-avoir-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/115005762006-How-many-orders-can-I-have-with-Afterpay</loc>
  <lastmod>2025-06-09T14:00:32Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115005762006-Combien-de-commandes-puis-je-avoir-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/115005762006-Combien-de-commandes-puis-je-avoir-avec-Afterpay</loc>
  <lastmod>2025-06-09T14:00:32Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/115005762006-How-many-orders-can-I-have-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/115005762006-Combien-de-commandes-puis-je-avoir-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360000739343-How-do-I-message-Afterpay-for-support</loc>
  <lastmod>2025-11-03T18:41:25Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000739343-Puis-je-vous-envoyer-un-message"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360000739343-How-do-I-message-Afterpay-for-support</loc>
  <lastmod>2025-11-03T18:41:25Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000739343-Puis-je-vous-envoyer-un-message"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360000739343-How-do-I-message-Afterpay-for-support</loc>
  <lastmod>2025-11-03T18:41:25Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000739343-Puis-je-vous-envoyer-un-message"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360000739343-How-do-I-message-Afterpay-for-support</loc>
  <lastmod>2025-11-03T18:41:25Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000739343-Puis-je-vous-envoyer-un-message"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/360000739343-Puis-je-vous-envoyer-un-message</loc>
  <lastmod>2025-11-03T18:41:25Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000739343-How-do-I-message-Afterpay-for-support"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000739343-Puis-je-vous-envoyer-un-message"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360000839723-Make-a-complaint-about-Afterpay</loc>
  <lastmod>2026-02-20T04:11:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000839723-D%C3%A9poser-une-plainte-au-sujet-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360000839723-Make-a-complaint-about-Afterpay</loc>
  <lastmod>2026-02-20T04:11:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000839723-D%C3%A9poser-une-plainte-au-sujet-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360000839723-Make-a-complaint-about-Afterpay</loc>
  <lastmod>2026-02-20T04:11:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000839723-D%C3%A9poser-une-plainte-au-sujet-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360000839723-Make-a-complaint-about-Afterpay</loc>
  <lastmod>2026-02-20T04:11:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000839723-D%C3%A9poser-une-plainte-au-sujet-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/360000839723-D%C3%A9poser-une-plainte-au-sujet-d-Afterpay</loc>
  <lastmod>2026-02-20T04:11:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360000839723-Make-a-complaint-about-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360000839723-D%C3%A9poser-une-plainte-au-sujet-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360001114266-How-can-I-verify-my-account</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360001114266-How-can-I-verify-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360001114266-How-can-I-verify-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360001114266-How-can-I-verify-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360001114266-How-can-I-verify-my-account</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360001114266-How-can-I-verify-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360001114266-How-can-I-verify-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360001114266-How-can-I-verify-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360001114266-How-can-I-verify-my-account</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360001114266-How-can-I-verify-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360001114266-How-can-I-verify-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360001114266-How-can-I-verify-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360016052892-How-do-payments-work</loc>
  <lastmod>2026-03-16T23:09:02Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360016052892-How-do-payments-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360016052892-How-do-payments-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360016052892-How-do-payments-work"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360016052892-How-do-payments-work</loc>
  <lastmod>2026-03-16T23:09:02Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360016052892-How-do-payments-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360016052892-How-do-payments-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360016052892-How-do-payments-work"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360016052892-How-do-payments-work</loc>
  <lastmod>2026-03-16T23:09:02Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360016052892-How-do-payments-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360016052892-How-do-payments-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360016052892-How-do-payments-work"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360016053012-Is-Afterpay-just-another-form-of-debt</loc>
  <lastmod>2025-06-09T14:00:31Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360016053012-Is-Afterpay-just-another-form-of-debt"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360016053012-Is-Afterpay-just-another-form-of-debt"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360016053012-Is-Afterpay-just-another-form-of-debt</loc>
  <lastmod>2025-06-09T14:00:31Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360016053012-Is-Afterpay-just-another-form-of-debt"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360016053012-Is-Afterpay-just-another-form-of-debt"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360016272971-Does-Afterpay-want-me-to-miss-payments-so-it-can-earn-money-from-late-fees</loc>
  <lastmod>2025-06-09T14:00:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360016272971-Does-Afterpay-want-me-to-miss-payments-so-it-can-earn-money-from-late-fees"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360016272971-Does-Afterpay-want-me-to-miss-payments-so-it-can-earn-money-from-late-fees"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360016272971-Does-Afterpay-want-me-to-miss-payments-so-it-can-earn-money-from-late-fees</loc>
  <lastmod>2025-06-09T14:00:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360016272971-Does-Afterpay-want-me-to-miss-payments-so-it-can-earn-money-from-late-fees"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360016272971-Does-Afterpay-want-me-to-miss-payments-so-it-can-earn-money-from-late-fees"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360018317151-Can-I-take-a-break-from-Afterpay</loc>
  <lastmod>2026-01-22T05:55:18Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360018317151-Can-I-take-a-break-from-Afterpay</loc>
  <lastmod>2026-01-22T05:55:18Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360018317151-Can-I-take-a-break-from-Afterpay</loc>
  <lastmod>2026-01-22T05:55:18Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360018317151-Can-I-take-a-break-from-Afterpay</loc>
  <lastmod>2026-01-22T05:55:18Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360018317151-Can-I-take-a-break-from-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360025402491-I-m-not-receiving-the-SMS-Verification-Code-when-signing-up</loc>
  <lastmod>2021-05-30T01:23:28Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360025402491-I-m-not-receiving-the-SMS-Verification-Code-when-signing-up"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360025402491-I-m-not-receiving-the-SMS-Verification-Code-when-signing-up"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360025402491-Je-n-ai-pas-re%C3%A7u-le-code-de-v%C3%A9rification-par-texto-lors-de-mon-inscription"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360025402491-I-m-not-receiving-the-SMS-Verification-Code-when-signing-up</loc>
  <lastmod>2021-05-30T01:23:28Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360025402491-I-m-not-receiving-the-SMS-Verification-Code-when-signing-up"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360025402491-I-m-not-receiving-the-SMS-Verification-Code-when-signing-up"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360025402491-Je-n-ai-pas-re%C3%A7u-le-code-de-v%C3%A9rification-par-texto-lors-de-mon-inscription"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/360025402491-Je-n-ai-pas-re%C3%A7u-le-code-de-v%C3%A9rification-par-texto-lors-de-mon-inscription</loc>
  <lastmod>2021-05-30T01:23:28Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360025402491-I-m-not-receiving-the-SMS-Verification-Code-when-signing-up"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360025402491-I-m-not-receiving-the-SMS-Verification-Code-when-signing-up"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360025402491-Je-n-ai-pas-re%C3%A7u-le-code-de-v%C3%A9rification-par-texto-lors-de-mon-inscription"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country</loc>
  <lastmod>2026-02-18T03:54:22Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360026033891-Qu-est-ce-que-le-commerce-transfrontalier"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country</loc>
  <lastmod>2026-02-18T03:54:22Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360026033891-Qu-est-ce-que-le-commerce-transfrontalier"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country</loc>
  <lastmod>2026-02-18T03:54:22Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360026033891-Qu-est-ce-que-le-commerce-transfrontalier"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country</loc>
  <lastmod>2026-02-18T03:54:22Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360026033891-Qu-est-ce-que-le-commerce-transfrontalier"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/360026033891-Qu-est-ce-que-le-commerce-transfrontalier</loc>
  <lastmod>2026-02-18T03:54:22Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360026033891-Can-I-use-Afterpay-to-order-from-another-country"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360026033891-Qu-est-ce-que-le-commerce-transfrontalier"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three</loc>
  <lastmod>2025-10-08T22:08:59Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360030314532-Why-is-my-first-payment-amount-different-than-the-other-three"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three</loc>
  <lastmod>2025-10-08T22:08:59Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360030314532-Why-is-my-first-payment-amount-different-than-the-other-three"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three</loc>
  <lastmod>2025-10-08T22:08:59Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360030314532-Why-is-my-first-payment-amount-different-than-the-other-three"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360030314532-Why-is-my-first-payment-amount-different-than-the-other-three</loc>
  <lastmod>2025-10-08T22:08:59Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360030314532-Why-is-my-first-payment-higher-than-the-other-three"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360030314532-Why-is-my-first-payment-amount-different-than-the-other-three"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay</loc>
  <lastmod>2023-07-06T00:22:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360031623571-How-do-Refunds-and-Returns-Work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360031623571-Comment-les-remboursements-et-les-retours-fonctionnent-ils-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay</loc>
  <lastmod>2023-07-06T00:22:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360031623571-How-do-Refunds-and-Returns-Work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360031623571-Comment-les-remboursements-et-les-retours-fonctionnent-ils-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360031623571-How-do-Refunds-and-Returns-Work-at-Afterpay</loc>
  <lastmod>2023-07-06T00:22:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360031623571-How-do-Refunds-and-Returns-Work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360031623571-Comment-les-remboursements-et-les-retours-fonctionnent-ils-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay</loc>
  <lastmod>2023-07-06T00:22:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360031623571-How-do-Refunds-and-Returns-Work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360031623571-Comment-les-remboursements-et-les-retours-fonctionnent-ils-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/360031623571-Comment-les-remboursements-et-les-retours-fonctionnent-ils-avec-Afterpay</loc>
  <lastmod>2023-07-06T00:22:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360031623571-How-do-Refunds-and-Returns-Work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360031623571-How-do-refunds-and-returns-work-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360031623571-Comment-les-remboursements-et-les-retours-fonctionnent-ils-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360031624311-Why-have-I-been-charged-a-late-fee</loc>
  <lastmod>2025-06-09T14:00:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360031624311-Why-have-I-been-charged-a-late-fee</loc>
  <lastmod>2025-06-09T14:00:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360031624311-Why-have-I-been-charged-a-late-fee</loc>
  <lastmod>2025-06-09T14:00:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360031624311-Why-have-I-been-charged-a-late-fee"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360034997212-Promotional-Code</loc>
  <lastmod>2025-11-11T23:15:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360034997212-Codes-promotionnels"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360034997212-Promotional-Codes</loc>
  <lastmod>2025-11-11T23:15:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360034997212-Codes-promotionnels"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360034997212-Promotional-Code</loc>
  <lastmod>2025-11-11T23:15:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360034997212-Codes-promotionnels"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360034997212-Promotional-Codes</loc>
  <lastmod>2025-11-11T23:15:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360034997212-Codes-promotionnels"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/360034997212-Codes-promotionnels</loc>
  <lastmod>2025-11-11T23:15:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360034997212-Promotional-Code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360034997212-Promotional-Codes"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360034997212-Codes-promotionnels"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360035462632-Using-Ulta-Beauty-Promotion-Codes-With-Afterpay</loc>
  <lastmod>2019-11-21T11:48:51Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay</loc>
  <lastmod>2026-01-15T00:59:28Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360035478552-Can-I-buy-Gift-cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360035478552-Puis-je-acheter-des-cartes-cadeaux-aupr%C3%A8s-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay</loc>
  <lastmod>2026-01-15T00:59:28Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360035478552-Can-I-buy-Gift-cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360035478552-Puis-je-acheter-des-cartes-cadeaux-aupr%C3%A8s-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360035478552-Can-I-buy-Gift-cards-from-Afterpay</loc>
  <lastmod>2026-01-15T00:59:28Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360035478552-Can-I-buy-Gift-cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360035478552-Puis-je-acheter-des-cartes-cadeaux-aupr%C3%A8s-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay</loc>
  <lastmod>2026-01-15T00:59:28Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360035478552-Can-I-buy-Gift-cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360035478552-Puis-je-acheter-des-cartes-cadeaux-aupr%C3%A8s-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/360035478552-Puis-je-acheter-des-cartes-cadeaux-aupr%C3%A8s-d-Afterpay</loc>
  <lastmod>2026-01-15T00:59:28Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360035478552-Can-I-buy-Gift-cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360035478552-Can-I-buy-Gift-Cards-from-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360035478552-Puis-je-acheter-des-cartes-cadeaux-aupr%C3%A8s-d-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360037029671-How-to-Reset-your-Password</loc>
  <lastmod>2025-12-11T23:20:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360037029671-How-to-Reset-your-Password"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360037029671-Pour-r%C3%A9initialiser-votre-mot-de-passe"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360037029671-How-to-Reset-Your-Password</loc>
  <lastmod>2025-12-11T23:20:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360037029671-How-to-Reset-your-Password"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360037029671-Pour-r%C3%A9initialiser-votre-mot-de-passe"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360037029671-How-to-Reset-Your-Password</loc>
  <lastmod>2025-12-11T23:20:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360037029671-How-to-Reset-your-Password"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360037029671-Pour-r%C3%A9initialiser-votre-mot-de-passe"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360037029671-How-to-Reset-Your-Password</loc>
  <lastmod>2025-12-11T23:20:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360037029671-How-to-Reset-your-Password"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360037029671-Pour-r%C3%A9initialiser-votre-mot-de-passe"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/360037029671-Pour-r%C3%A9initialiser-votre-mot-de-passe</loc>
  <lastmod>2025-12-11T23:20:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360037029671-How-to-Reset-your-Password"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360037029671-How-to-Reset-Your-Password"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/360037029671-Pour-r%C3%A9initialiser-votre-mot-de-passe"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360038588012-Shopping-on-eBay-with-Afterpay</loc>
  <lastmod>2024-07-12T02:01:28Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360041509492-Can-I-make-a-partial-payment</loc>
  <lastmod>2024-05-30T01:08:49Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360041509492-Can-I-make-a-partial-payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360041509492-Can-I-make-a-partial-payment</loc>
  <lastmod>2024-05-30T01:08:49Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360041509492-Can-I-make-a-partial-payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360041509492-Can-I-make-a-partial-payment</loc>
  <lastmod>2024-05-30T01:08:49Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360041509492-Can-I-make-a-partial-payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360041509492-Can-I-make-a-partial-payment</loc>
  <lastmod>2024-05-30T01:08:49Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360041509492-Can-I-make-a-partial-payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360041509492-Can-I-make-a-partial-payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360044226631-Apple-Pay-Help</loc>
  <lastmod>2023-10-10T05:50:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044226631-Apple-Pay-Help"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044226631-Apple-Pay-Help"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044226631-Apple-Pay-Help"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360044226631-Apple-Pay-Help</loc>
  <lastmod>2023-10-10T05:50:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044226631-Apple-Pay-Help"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044226631-Apple-Pay-Help"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044226631-Apple-Pay-Help"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360044226631-Apple-Pay-Help</loc>
  <lastmod>2023-10-10T05:50:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044226631-Apple-Pay-Help"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044226631-Apple-Pay-Help"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044226631-Apple-Pay-Help"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360044314071-Can-I-change-the-due-date-of-a-payment</loc>
  <lastmod>2026-02-18T04:01:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/360044314071-Can-I-change-the-due-date-of-a-payment</loc>
  <lastmod>2026-02-18T04:01:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360044314071-Can-I-change-the-due-date-of-a-payment</loc>
  <lastmod>2026-02-18T04:01:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360044314071-Can-I-change-the-due-date-of-a-payment</loc>
  <lastmod>2026-02-18T04:01:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044314071-Can-I-change-the-due-date-of-a-payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/360044433031-Do-you-Have-the-Latest-Version-of-the-Afterpay-App</loc>
  <lastmod>2022-08-23T19:12:43Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044433031-Do-you-Have-the-Latest-Version-of-the-Afterpay-App"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044433031-Do-you-Have-the-Latest-Version-of-the-Afterpay-App"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044433031-Do-you-have-the-latest-version-of-the-Afterpay-app"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/360044433031-Do-you-Have-the-Latest-Version-of-the-Afterpay-App</loc>
  <lastmod>2022-08-23T19:12:43Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044433031-Do-you-Have-the-Latest-Version-of-the-Afterpay-App"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044433031-Do-you-Have-the-Latest-Version-of-the-Afterpay-App"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044433031-Do-you-have-the-latest-version-of-the-Afterpay-app"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/360044433031-Do-you-have-the-latest-version-of-the-Afterpay-app</loc>
  <lastmod>2022-08-23T19:12:43Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/360044433031-Do-you-Have-the-Latest-Version-of-the-Afterpay-App"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/360044433031-Do-you-Have-the-Latest-Version-of-the-Afterpay-App"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/360044433031-Do-you-have-the-latest-version-of-the-Afterpay-app"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work</loc>
  <lastmod>2023-01-16T00:56:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900001974426-J-ai-re%C3%A7u-un-texto-pour-v%C3%A9rification-mais-quand-je-saisis-le-code-cela-ne-fonctionne-pas"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work</loc>
  <lastmod>2023-01-16T00:56:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900001974426-J-ai-re%C3%A7u-un-texto-pour-v%C3%A9rification-mais-quand-je-saisis-le-code-cela-ne-fonctionne-pas"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work</loc>
  <lastmod>2023-01-16T00:56:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900001974426-J-ai-re%C3%A7u-un-texto-pour-v%C3%A9rification-mais-quand-je-saisis-le-code-cela-ne-fonctionne-pas"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work</loc>
  <lastmod>2023-01-16T00:56:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900001974426-J-ai-re%C3%A7u-un-texto-pour-v%C3%A9rification-mais-quand-je-saisis-le-code-cela-ne-fonctionne-pas"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/900001974426-J-ai-re%C3%A7u-un-texto-pour-v%C3%A9rification-mais-quand-je-saisis-le-code-cela-ne-fonctionne-pas</loc>
  <lastmod>2023-01-16T00:56:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900001974426-I-got-an-SMS-for-verification-but-when-I-type-it-in-it-does-not-work"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900001974426-J-ai-re%C3%A7u-un-texto-pour-v%C3%A9rification-mais-quand-je-saisis-le-code-cela-ne-fonctionne-pas"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900002188906-Privacy-at-Afterpay</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900002933303-How-do-I-appoint-a-third-party-to-act-on-my-behalf</loc>
  <lastmod>2025-06-09T14:00:33Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900002933303-How-do-I-appoint-a-third-party-to-act-on-my-behalf"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900002933303-How-do-financial-counsellors-get-in-touch"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900002933303-How-do-financial-counsellors-get-in-touch</loc>
  <lastmod>2025-06-09T14:00:33Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900002933303-How-do-I-appoint-a-third-party-to-act-on-my-behalf"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900002933303-How-do-financial-counsellors-get-in-touch"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900002973003-Can-I-change-my-name-on-my-account</loc>
  <lastmod>2026-02-11T03:26:16Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900002973003-Can-I-change-my-name-on-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900002973003-Can-I-change-my-name-on-my-account</loc>
  <lastmod>2026-02-11T03:26:16Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900002973003-Can-I-change-my-name-on-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900002973003-Can-I-change-my-name-on-my-account</loc>
  <lastmod>2026-02-11T03:26:16Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900002973003-Can-I-change-my-name-on-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900002973003-Can-I-change-my-name-on-my-account</loc>
  <lastmod>2026-02-11T03:26:16Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900002973003-Can-I-change-my-name-on-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900002973003-Can-I-change-my-name-on-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900002983643-I-want-to-use-Afterpay-at-Savage-x-Fenty</loc>
  <lastmod>2020-11-19T23:25:34Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank</loc>
  <lastmod>2023-07-27T04:38:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank</loc>
  <lastmod>2023-07-27T04:38:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank</loc>
  <lastmod>2023-07-27T04:38:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank</loc>
  <lastmod>2023-07-27T04:38:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003000763-What-happens-if-my-card-is-lost-stolen-or-cancelled-by-the-bank"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900003021786-What-is-financial-hardship</loc>
  <lastmod>2025-06-18T00:44:17Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003021786-What-is-financial-hardship"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003021786-What-is-financial-hardship"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900003021786-What-is-financial-hardship</loc>
  <lastmod>2025-06-18T00:44:17Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003021786-What-is-financial-hardship"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003021786-What-is-financial-hardship"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900003022526-I-m-not-receiving-the-verification-code</loc>
  <lastmod>2023-07-10T06:05:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003022526-I-am-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900003022526-Vous-ne-recevez-pas-notre-texto"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900003022526-I-m-not-receiving-the-verification-code</loc>
  <lastmod>2023-07-10T06:05:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003022526-I-am-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900003022526-Vous-ne-recevez-pas-notre-texto"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900003022526-I-am-not-receiving-the-verification-code</loc>
  <lastmod>2023-07-10T06:05:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003022526-I-am-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900003022526-Vous-ne-recevez-pas-notre-texto"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900003022526-I-m-not-receiving-the-verification-code</loc>
  <lastmod>2023-07-10T06:05:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003022526-I-am-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900003022526-Vous-ne-recevez-pas-notre-texto"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/900003022526-Vous-ne-recevez-pas-notre-texto</loc>
  <lastmod>2023-07-10T06:05:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003022526-I-am-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003022526-I-m-not-receiving-the-verification-code"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/900003022526-Vous-ne-recevez-pas-notre-texto"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900003088646-I-think-my-account-has-been-hacked</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003088646-I-think-my-account-has-been-hacked"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900003088646-I-think-my-account-has-been-hacked</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003088646-I-think-my-account-has-been-hacked"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900003088646-I-think-my-account-has-been-hacked</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003088646-I-think-my-account-has-been-hacked"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900003088646-I-think-my-account-has-been-hacked</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003088646-I-think-my-account-has-been-hacked"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900003088646-I-think-my-account-has-been-hacked"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900003970646-Will-using-Afterpay-impact-my-credit-score</loc>
  <lastmod>2025-06-09T14:00:34Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003970646-Will-using-Afterpay-impact-my-credit-score"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003970646-Is-using-Afterpay-bad-for-my-credit-score"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900003970646-Is-using-Afterpay-bad-for-my-credit-score</loc>
  <lastmod>2025-06-09T14:00:34Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900003970646-Will-using-Afterpay-impact-my-credit-score"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900003970646-Is-using-Afterpay-bad-for-my-credit-score"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900004448843-Capital-One-Credit-Cards</loc>
  <lastmod>2023-11-29T23:28:59Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card</loc>
  <lastmod>2023-01-23T05:28:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card</loc>
  <lastmod>2023-01-23T05:28:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card</loc>
  <lastmod>2023-01-23T05:28:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card</loc>
  <lastmod>2023-01-23T05:28:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900004484163-Returning-goods-in-store-using-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900005359743-I-missed-a-payment-what-happens-to-my-account</loc>
  <lastmod>2025-10-08T03:17:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005359743-I-missed-a-payment-What-happens-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900005359743-I-missed-a-payment-what-happens-to-my-account</loc>
  <lastmod>2025-10-08T03:17:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005359743-I-missed-a-payment-What-happens-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900005359743-I-missed-a-payment-what-happens-to-my-account</loc>
  <lastmod>2025-10-08T03:17:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005359743-I-missed-a-payment-What-happens-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900005359743-I-missed-a-payment-What-happens-to-my-account</loc>
  <lastmod>2025-10-08T03:17:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359743-I-missed-a-payment-what-happens-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005359743-I-missed-a-payment-What-happens-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900005359763-Will-using-Afterpay-affect-me-being-able-to-get-a-home-loan</loc>
  <lastmod>2024-07-23T03:27:26Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359763-Will-using-Afterpay-affect-me-being-able-to-get-a-home-loan"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359763-Will-using-Afterpay-affect-me-being-able-to-get-a-home-loan"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900005359763-Will-using-Afterpay-affect-me-being-able-to-get-a-home-loan</loc>
  <lastmod>2024-07-23T03:27:26Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359763-Will-using-Afterpay-affect-me-being-able-to-get-a-home-loan"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359763-Will-using-Afterpay-affect-me-being-able-to-get-a-home-loan"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900005359783-Is-there-a-cost-to-using-Afterpay</loc>
  <lastmod>2026-03-16T22:56:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900005359783-Is-there-a-cost-to-using-Afterpay</loc>
  <lastmod>2026-03-16T22:56:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900005359783-Is-there-a-cost-to-using-Afterpay</loc>
  <lastmod>2026-03-16T22:56:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005359783-Is-there-a-cost-to-using-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card</loc>
  <lastmod>2023-01-23T05:39:00Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card</loc>
  <lastmod>2023-01-23T05:39:00Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card</loc>
  <lastmod>2023-01-23T05:39:00Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card</loc>
  <lastmod>2023-01-23T05:39:00Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900005632803-Can-I-return-an-online-purchase-to-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900005968566-Updates-to-our-Terms-of-Service-18-May-2021</loc>
  <lastmod>2022-04-01T05:29:05Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900006336263-How-do-I-set-a-PIN-for-my-Afterpay-Card</loc>
  <lastmod>2023-04-04T04:18:00Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/900007280323-Marketing-Your-Choices</loc>
  <lastmod>2026-03-16T22:16:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900007280323-Marketing-Your-Choices"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900007280323-Marketing-Your-Choices"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900007280323-Marketing-Your-Choices"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/900007280323-Marketing-Your-Choices</loc>
  <lastmod>2026-03-16T22:16:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900007280323-Marketing-Your-Choices"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900007280323-Marketing-Your-Choices"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900007280323-Marketing-Your-Choices"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900007280323-Marketing-Your-Choices</loc>
  <lastmod>2026-03-16T22:16:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/900007280323-Marketing-Your-Choices"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/900007280323-Marketing-Your-Choices"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900007280323-Marketing-Your-Choices"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/900007666243-Can-I-reduce-the-amount-I-can-spend</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900007666243-Can-I-reduce-the-amount-I-can-spend"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900007666243-Can-I-reduce-the-amount-I-can-spend"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/900007666243-Can-I-reduce-the-amount-I-can-spend</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/900007666243-Can-I-reduce-the-amount-I-can-spend"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/900007666243-Can-I-reduce-the-amount-I-can-spend"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/4403829544345-Scanning-and-verifying-your-payment-method</loc>
  <lastmod>2022-09-06T06:29:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/4403829544345-Scanning-and-verifying-your-payment-method</loc>
  <lastmod>2022-09-06T06:29:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/4403829544345-Scanning-and-verifying-your-payment-method</loc>
  <lastmod>2022-09-06T06:29:29Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4403829544345-Scanning-and-verifying-your-payment-method"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/4406413632921-Privacy-at-Afterpay</loc>
  <lastmod>2025-06-06T05:21:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4406413632921-Privacy-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4406413632921-Privacy-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4406413632921-Privacy-at-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/4406413632921-Privacy-at-Afterpay</loc>
  <lastmod>2025-06-06T05:21:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4406413632921-Privacy-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4406413632921-Privacy-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4406413632921-Privacy-at-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/4406413632921-Privacy-at-Afterpay</loc>
  <lastmod>2025-06-06T05:21:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4406413632921-Privacy-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4406413632921-Privacy-at-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4406413632921-Privacy-at-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/4407266467993-Afterpay-Single-Use-Payment</loc>
  <lastmod>2026-02-03T22:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4407266467993-Afterpay-Single-Use-Payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4407266467993-Afterpay-Single-Use-Payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/4407266467993-Afterpay-Single-Use-Payment</loc>
  <lastmod>2026-02-03T22:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4407266467993-Afterpay-Single-Use-Payment"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4407266467993-Afterpay-Single-Use-Payment"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/4408381687449-How-do-I-reactivate-my-account</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4408381687449-How-do-I-reactivate-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/4408381687449-How-do-I-reactivate-my-account</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4408381687449-How-do-I-reactivate-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/4408381687449-How-do-I-reactivate-my-account</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4408381687449-How-do-I-reactivate-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/4408381687449-How-do-I-reactivate-my-account</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4408381687449-How-do-I-reactivate-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4408381687449-How-do-I-reactivate-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/4410933513369-How-do-I-access-my-statement</loc>
  <lastmod>2025-10-08T03:29:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4410933513369-How-do-I-access-my-statement"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/4410933513369-Can-I-request-a-statement"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4410933513369-Can-I-request-a-statement"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4410933513369-Can-I-request-a-statement"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/4410933513369-Can-I-request-a-statement</loc>
  <lastmod>2025-10-08T03:29:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4410933513369-How-do-I-access-my-statement"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/4410933513369-Can-I-request-a-statement"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4410933513369-Can-I-request-a-statement"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4410933513369-Can-I-request-a-statement"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/4410933513369-Can-I-request-a-statement</loc>
  <lastmod>2025-10-08T03:29:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4410933513369-How-do-I-access-my-statement"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/4410933513369-Can-I-request-a-statement"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4410933513369-Can-I-request-a-statement"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4410933513369-Can-I-request-a-statement"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/4410933513369-Can-I-request-a-statement</loc>
  <lastmod>2025-10-08T03:29:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4410933513369-How-do-I-access-my-statement"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/4410933513369-Can-I-request-a-statement"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4410933513369-Can-I-request-a-statement"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4410933513369-Can-I-request-a-statement"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do</loc>
  <lastmod>2023-01-23T23:23:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do</loc>
  <lastmod>2023-01-23T23:23:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do</loc>
  <lastmod>2023-01-23T23:23:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/4416420907929-I-think-I-have-been-sent-a-phishing-email-what-do-I-do"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/4487846176793-Does-Afterpay-conduct-credit-checks</loc>
  <lastmod>2025-06-30T11:00:00Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/5212463164569-I-haven-t-received-my-goods-How-do-I-raise-a-dispute"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/5719790114841-Adding-a-bank-account</loc>
  <lastmod>2025-11-14T03:16:34Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/8262431060249-Afterpay-Plus</loc>
  <lastmod>2025-06-09T14:00:06Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/8515380919577-Amazon-Issues-with-the-order-being-placed</loc>
  <lastmod>2024-10-31T21:33:38Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/8587246910745-I-received-an-unexpected-text-from-Afterpay</loc>
  <lastmod>2024-08-23T09:18:27Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/10022317087513-Cashless-Debit-Cards</loc>
  <lastmod>2022-09-15T03:38:23Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/11123487472025-Monthly-Payments-What-is-it-How-does-it-work</loc>
  <lastmod>2025-12-08T22:12:37Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/11570639779481-Manage-Face-ID-or-fingerprint-use</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/11570639779481-Manage-Face-ID-or-fingerprint-use</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/11570639779481-Manage-Face-ID-or-fingerprint-use</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/11570639779481-Manage-Face-ID-or-fingerprint-use"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/11709084940825-How-do-I-find-out-a-payout-figure-on-my-Monthly-Payments-order</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/13031122007065-Shopping-In-Store-with-Afterpay</loc>
  <lastmod>2025-08-10T23:54:42Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13031122007065-Shopping-In-Store-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13031122007065-Shopping-In-store-with-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/13031122007065-Shopping-In-store-with-Afterpay</loc>
  <lastmod>2025-08-10T23:54:42Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13031122007065-Shopping-In-Store-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13031122007065-Shopping-In-store-with-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/13032951933081-Setting-up-the-Afterpay-Card</loc>
  <lastmod>2024-06-13T02:11:55Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/13032951933081-Setting-up-the-Afterpay-Card</loc>
  <lastmod>2024-06-13T02:11:55Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/13032951933081-Setting-up-the-Afterpay-Card</loc>
  <lastmod>2024-06-13T02:11:55Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13032951933081-Setting-up-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/13033883386905-Removing-the-Afterpay-Card</loc>
  <lastmod>2024-06-13T02:09:18Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13033883386905-Removing-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13033883386905-Removing-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13033883386905-Removing-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/13033883386905-Removing-the-Afterpay-Card</loc>
  <lastmod>2024-06-13T02:09:18Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13033883386905-Removing-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13033883386905-Removing-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13033883386905-Removing-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/13033883386905-Removing-the-Afterpay-Card</loc>
  <lastmod>2024-06-13T02:09:18Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13033883386905-Removing-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13033883386905-Removing-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13033883386905-Removing-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/13036296262425-Apple-Device-Troubleshooting</loc>
  <lastmod>2024-06-13T02:21:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13036296262425-Apple-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13036296262425-Apple-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13036296262425-Apple-Device-Troubleshooting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/13036296262425-Apple-Device-Troubleshooting</loc>
  <lastmod>2024-06-13T02:21:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13036296262425-Apple-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13036296262425-Apple-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13036296262425-Apple-Device-Troubleshooting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/13036296262425-Apple-Device-Troubleshooting</loc>
  <lastmod>2024-06-13T02:21:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13036296262425-Apple-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13036296262425-Apple-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13036296262425-Apple-Device-Troubleshooting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/13036928744217-Android-Device-Troubleshooting</loc>
  <lastmod>2022-12-07T00:41:48Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13036928744217-Android-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13036928744217-Android-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13036928744217-Android-Device-Troubleshooting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/13036928744217-Android-Device-Troubleshooting</loc>
  <lastmod>2022-12-07T00:41:48Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13036928744217-Android-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13036928744217-Android-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13036928744217-Android-Device-Troubleshooting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/13036928744217-Android-Device-Troubleshooting</loc>
  <lastmod>2022-12-07T00:41:48Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13036928744217-Android-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13036928744217-Android-Device-Troubleshooting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13036928744217-Android-Device-Troubleshooting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card-Afterpay-Plus-Card</loc>
  <lastmod>2025-10-08T03:25:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card-Afterpay-Plus-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card</loc>
  <lastmod>2025-10-08T03:25:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card-Afterpay-Plus-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card</loc>
  <lastmod>2025-10-08T03:25:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card-Afterpay-Plus-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13037619502617-Making-a-purchase-In-store-with-the-Afterpay-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/13038921522585-Returning-purchases-In-store</loc>
  <lastmod>2024-09-09T00:52:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13038921522585-Returning-purchases-In-store"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13038921522585-Returning-purchases-In-store"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13038921522585-Returning-purchases-In-store"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/13038921522585-Returning-purchases-In-store</loc>
  <lastmod>2024-09-09T00:52:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13038921522585-Returning-purchases-In-store"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13038921522585-Returning-purchases-In-store"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13038921522585-Returning-purchases-In-store"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/13038921522585-Returning-purchases-In-store</loc>
  <lastmod>2024-09-09T00:52:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/13038921522585-Returning-purchases-In-store"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/13038921522585-Returning-purchases-In-store"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/13038921522585-Returning-purchases-In-store"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/13039848949017-Managing-the-Afterpay-Plus-Card-Subscription</loc>
  <lastmod>2024-06-13T02:07:42Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/15175222149529-How-do-I-change-my-address</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/16017330506137-SMS-notifications-for-password-resets-via-email</loc>
  <lastmod>2023-03-09T04:00:00Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/16017330506137-SMS-notifications-for-password-resets-via-email"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/16017330506137-SMS-notifications-for-password-resets-via-email"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/16017330506137-SMS-notifications-for-password-resets-via-email</loc>
  <lastmod>2023-03-09T04:00:00Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/16017330506137-SMS-notifications-for-password-resets-via-email"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/16017330506137-SMS-notifications-for-password-resets-via-email"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/16931205069337-What-is-PayWatch-Why-can-t-I-open-an-account</loc>
  <lastmod>2023-04-25T14:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/17730273831833-Afterpay-Card-In-Store-Eligibility</loc>
  <lastmod>2023-04-25T22:03:30Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected</loc>
  <lastmod>2023-05-10T00:38:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected</loc>
  <lastmod>2023-05-10T00:38:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected</loc>
  <lastmod>2023-05-10T00:38:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/18353353132697-How-do-I-know-if-Afterpay-is-working-as-expected"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19344354765209-Australian-BNPL-Regulations</loc>
  <lastmod>2025-06-17T22:00:01Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19826248871321-My-order-has-been-returned-cancelled-Why-am-I-still-being-charged</loc>
  <lastmod>2023-07-03T04:41:04Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19826248871321-My-order-has-been-returned-cancelled-Why-am-I-still-being-charged"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19826248871321-My-order-has-been-returned-cancelled-Why-am-I-still-being-charged"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/19826248871321-My-order-has-been-returned-cancelled-Why-am-I-still-being-charged</loc>
  <lastmod>2023-07-03T04:41:04Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19826248871321-My-order-has-been-returned-cancelled-Why-am-I-still-being-charged"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19826248871321-My-order-has-been-returned-cancelled-Why-am-I-still-being-charged"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19827107910169-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged</loc>
  <lastmod>2023-07-03T04:53:19Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19827107910169-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19827107910169-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/19827107910169-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged</loc>
  <lastmod>2023-07-03T04:53:19Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19827107910169-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19827107910169-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19827993596313-My-refund-amount-is-different-to-what-I-was-expecting-Why</loc>
  <lastmod>2026-02-11T03:13:56Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19827993596313-My-refund-amount-is-different-to-what-I-was-expecting-Why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19827993596313-My-refund-amount-is-different-to-what-I-was-expecting-Why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/19827993596313-My-refund-amount-is-different-to-what-I-was-expecting-Why</loc>
  <lastmod>2026-02-11T03:13:56Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19827993596313-My-refund-amount-is-different-to-what-I-was-expecting-Why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19827993596313-My-refund-amount-is-different-to-what-I-was-expecting-Why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19828164928537-I-can-t-get-in-contact-with-the-merchant</loc>
  <lastmod>2025-11-25T03:03:14Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19828164928537-I-can-t-get-in-contact-with-the-merchant"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19828164928537-I-can-t-get-in-contact-with-the-merchant"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/19828164928537-I-can-t-get-in-contact-with-the-merchant</loc>
  <lastmod>2025-11-25T03:03:14Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19828164928537-I-can-t-get-in-contact-with-the-merchant"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19828164928537-I-can-t-get-in-contact-with-the-merchant"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19830434714393-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account</loc>
  <lastmod>2026-02-11T03:12:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19830434714393-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19830434714393-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/19830434714393-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account</loc>
  <lastmod>2026-02-11T03:12:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19830434714393-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19830434714393-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19830620161305-I-am-still-being-charged-but-the-merchant-refunded-me-directly-to-my-card</loc>
  <lastmod>2023-06-21T08:05:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19830620161305-I-am-still-being-charged-but-the-merchant-refunded-me-directly-to-my-card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19830620161305-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/19830620161305-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card</loc>
  <lastmod>2023-06-21T08:05:46Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19830620161305-I-am-still-being-charged-but-the-merchant-refunded-me-directly-to-my-card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19830620161305-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19830718869913-I-have-not-been-refunded-the-full-amount</loc>
  <lastmod>2023-06-21T08:07:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19830718869913-I-have-not-been-refunded-the-full-amount"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19830718869913-I-have-not-been-refunded-the-full-amount"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/19830718869913-I-have-not-been-refunded-the-full-amount</loc>
  <lastmod>2023-06-21T08:07:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19830718869913-I-have-not-been-refunded-the-full-amount"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19830718869913-I-have-not-been-refunded-the-full-amount"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/19830981198489-Can-I-return-part-of-my-order</loc>
  <lastmod>2023-06-21T08:08:40Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19830981198489-Can-I-return-part-of-my-order"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19830981198489-Can-I-return-part-of-my-order"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/19830981198489-Can-I-return-part-of-my-order</loc>
  <lastmod>2023-06-21T08:08:40Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/19830981198489-Can-I-return-part-of-my-order"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/19830981198489-Can-I-return-part-of-my-order"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account</loc>
  <lastmod>2023-07-07T04:49:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account</loc>
  <lastmod>2023-07-07T04:49:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account</loc>
  <lastmod>2023-07-07T04:49:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account</loc>
  <lastmod>2023-07-07T04:49:44Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20115854719769-I-have-a-new-phone-number-and-I-can-t-log-in-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do</loc>
  <lastmod>2024-08-23T05:52:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20155382847513-I-have-not-received-my-Gift-Card-PIN-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20155382847513-Je-n-ai-pas-re%C3%A7u-ma-carte-cadeau-Que-dois-je-faire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20155382847513-I-have-not-received-my-Gift-Card-PIN-What-should-I-do</loc>
  <lastmod>2024-08-23T05:52:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20155382847513-I-have-not-received-my-Gift-Card-PIN-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20155382847513-Je-n-ai-pas-re%C3%A7u-ma-carte-cadeau-Que-dois-je-faire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do</loc>
  <lastmod>2024-08-23T05:52:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20155382847513-I-have-not-received-my-Gift-Card-PIN-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20155382847513-Je-n-ai-pas-re%C3%A7u-ma-carte-cadeau-Que-dois-je-faire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do</loc>
  <lastmod>2024-08-23T05:52:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20155382847513-I-have-not-received-my-Gift-Card-PIN-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20155382847513-Je-n-ai-pas-re%C3%A7u-ma-carte-cadeau-Que-dois-je-faire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/20155382847513-Je-n-ai-pas-re%C3%A7u-ma-carte-cadeau-Que-dois-je-faire</loc>
  <lastmod>2024-08-23T05:52:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20155382847513-I-have-not-received-my-Gift-Card-PIN-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20155382847513-I-have-not-received-my-gift-card-What-should-I-do"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20155382847513-Je-n-ai-pas-re%C3%A7u-ma-carte-cadeau-Que-dois-je-faire"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why</loc>
  <lastmod>2024-08-23T05:54:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156289321881-I-used-to-be-able-to-purchase-Gift-Cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156289321881-Je-pouvais-acheter-des-cartes-cadeaux-auparavant-mais-je-ne-peux-plus-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20156289321881-I-used-to-be-able-to-purchase-Gift-Cards-but-now-I-can-t-Why</loc>
  <lastmod>2024-08-23T05:54:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156289321881-I-used-to-be-able-to-purchase-Gift-Cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156289321881-Je-pouvais-acheter-des-cartes-cadeaux-auparavant-mais-je-ne-peux-plus-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why</loc>
  <lastmod>2024-08-23T05:54:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156289321881-I-used-to-be-able-to-purchase-Gift-Cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156289321881-Je-pouvais-acheter-des-cartes-cadeaux-auparavant-mais-je-ne-peux-plus-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why</loc>
  <lastmod>2024-08-23T05:54:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156289321881-I-used-to-be-able-to-purchase-Gift-Cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156289321881-Je-pouvais-acheter-des-cartes-cadeaux-auparavant-mais-je-ne-peux-plus-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/20156289321881-Je-pouvais-acheter-des-cartes-cadeaux-auparavant-mais-je-ne-peux-plus-Pourquoi</loc>
  <lastmod>2024-08-23T05:54:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156289321881-I-used-to-be-able-to-purchase-Gift-Cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156289321881-I-used-to-be-able-to-purchase-gift-cards-but-now-I-can-t-Why"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156289321881-Je-pouvais-acheter-des-cartes-cadeaux-auparavant-mais-je-ne-peux-plus-Pourquoi"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me</loc>
  <lastmod>2024-08-23T05:53:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156353956377-Why-can-t-I-purchase-Gift-Cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156353956377-Pourquoi-ne-puis-je-pas-acheter-des-cartes-cadeaux-qui-m-%C3%A9taient-auparavant-offertes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20156353956377-Why-can-t-I-purchase-Gift-Cards-that-were-previously-available-to-me</loc>
  <lastmod>2024-08-23T05:53:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156353956377-Why-can-t-I-purchase-Gift-Cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156353956377-Pourquoi-ne-puis-je-pas-acheter-des-cartes-cadeaux-qui-m-%C3%A9taient-auparavant-offertes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me</loc>
  <lastmod>2024-08-23T05:53:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156353956377-Why-can-t-I-purchase-Gift-Cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156353956377-Pourquoi-ne-puis-je-pas-acheter-des-cartes-cadeaux-qui-m-%C3%A9taient-auparavant-offertes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me</loc>
  <lastmod>2024-08-23T05:53:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156353956377-Why-can-t-I-purchase-Gift-Cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156353956377-Pourquoi-ne-puis-je-pas-acheter-des-cartes-cadeaux-qui-m-%C3%A9taient-auparavant-offertes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/20156353956377-Pourquoi-ne-puis-je-pas-acheter-des-cartes-cadeaux-qui-m-%C3%A9taient-auparavant-offertes</loc>
  <lastmod>2024-08-23T05:53:06Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20156353956377-Why-can-t-I-purchase-Gift-Cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20156353956377-Why-can-t-I-purchase-gift-cards-that-were-previously-available-to-me"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/articles/20156353956377-Pourquoi-ne-puis-je-pas-acheter-des-cartes-cadeaux-qui-m-%C3%A9taient-auparavant-offertes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20165880864921-How-do-I-add-a-card-to-my-account</loc>
  <lastmod>2026-03-16T22:51:11Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20165880864921-How-do-I-add-a-card-to-my-account</loc>
  <lastmod>2026-03-16T22:51:11Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20165880864921-How-do-I-add-a-card-to-my-account</loc>
  <lastmod>2026-03-16T22:51:11Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20165880864921-How-do-I-add-a-card-to-my-account</loc>
  <lastmod>2026-03-16T22:51:11Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20165880864921-How-do-I-add-a-card-to-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20165961480089-How-do-I-make-payments</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20165961480089-How-do-I-make-payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20165961480089-How-do-I-make-payments</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20165961480089-How-do-I-make-payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20165961480089-How-do-I-make-payments</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20165961480089-How-do-I-make-payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20165961480089-How-do-I-make-payments</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20165961480089-How-do-I-make-payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20165961480089-How-do-I-make-payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account</loc>
  <lastmod>2026-03-16T23:35:47Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account</loc>
  <lastmod>2026-03-16T23:35:47Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account</loc>
  <lastmod>2026-03-16T23:35:47Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account</loc>
  <lastmod>2026-03-16T23:35:47Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20166635296025-Why-have-you-taken-an-extra-payment-from-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20167574442649-Why-is-my-account-frozen</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20167574442649-Why-is-my-account-frozen"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20167574442649-Why-is-my-account-frozen</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20167574442649-Why-is-my-account-frozen"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20167574442649-Why-is-my-account-frozen</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20167574442649-Why-is-my-account-frozen"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20167574442649-Why-is-my-account-frozen</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20167574442649-Why-is-my-account-frozen"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20167574442649-Why-is-my-account-frozen"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20247554161945-My-order-has-been-returned-canceled-Why-am-I-still-being-charged</loc>
  <lastmod>2024-11-22T03:58:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20247554161945-My-order-has-been-returned-canceled-Why-am-I-still-being-charged"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20247554161945-My-order-has-been-returned-canceled-Why-am-I-still-being-charged"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20247554161945-My-order-has-been-returned-canceled-Why-am-I-still-being-charged</loc>
  <lastmod>2024-11-22T03:58:07Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20247554161945-My-order-has-been-returned-canceled-Why-am-I-still-being-charged"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20247554161945-My-order-has-been-returned-canceled-Why-am-I-still-being-charged"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20248178273817-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged</loc>
  <lastmod>2024-11-22T04:12:08Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20248178273817-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20248178273817-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20248178273817-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged</loc>
  <lastmod>2024-11-22T04:12:08Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20248178273817-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20248178273817-I-am-expecting-a-refund-Can-I-push-back-my-next-payment-so-I-am-not-charged"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20248794022041-I-can-t-get-in-contact-with-the-merchant</loc>
  <lastmod>2023-07-06T00:06:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20248794022041-I-can-t-get-in-contact-with-the-merchant"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20248794022041-I-can-t-get-in-contact-with-the-merchant"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20248794022041-I-can-t-get-in-contact-with-the-merchant</loc>
  <lastmod>2023-07-06T00:06:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20248794022041-I-can-t-get-in-contact-with-the-merchant"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20248794022041-I-can-t-get-in-contact-with-the-merchant"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20249219024793-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account</loc>
  <lastmod>2024-01-22T21:45:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249219024793-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249219024793-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20249219024793-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account</loc>
  <lastmod>2024-01-22T21:45:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249219024793-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249219024793-My-refund-has-been-processed-but-I-have-not-received-the-money-back-to-my-bank-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/20249507136025-Which-cards-does-Afterpay-accept</loc>
  <lastmod>2025-11-14T03:14:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20249507136025-Which-cards-does-Afterpay-accept</loc>
  <lastmod>2025-11-14T03:14:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/20249507136025-Which-cards-does-Afterpay-accept</loc>
  <lastmod>2025-11-14T03:14:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20249507136025-Which-cards-does-Afterpay-accept</loc>
  <lastmod>2025-11-14T03:14:12Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249507136025-Which-cards-does-Afterpay-accept"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20249531858585-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card</loc>
  <lastmod>2024-01-22T21:46:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249531858585-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249531858585-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20249531858585-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card</loc>
  <lastmod>2024-01-22T21:46:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249531858585-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249531858585-I-am-still-being-charged-for-payments-but-the-merchant-refunded-me-directly-to-my-card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20249622139929-I-have-not-been-refunded-the-full-amount</loc>
  <lastmod>2024-01-22T21:46:17Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249622139929-I-have-not-been-refunded-the-full-amount"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249622139929-I-have-not-been-refunded-the-full-amount"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20249622139929-I-have-not-been-refunded-the-full-amount</loc>
  <lastmod>2024-01-22T21:46:17Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249622139929-I-have-not-been-refunded-the-full-amount"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249622139929-I-have-not-been-refunded-the-full-amount"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20249866312985-Can-I-return-part-of-my-order</loc>
  <lastmod>2023-07-06T00:20:53Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249866312985-Can-I-return-part-of-my-order"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249866312985-Can-I-return-part-of-my-order"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20249866312985-Can-I-return-part-of-my-order</loc>
  <lastmod>2023-07-06T00:20:53Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20249866312985-Can-I-return-part-of-my-order"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20249866312985-Can-I-return-part-of-my-order"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/20250616348185-My-refund-amount-is-different-to-what-I-was-expecting</loc>
  <lastmod>2024-08-23T08:52:39Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20250616348185-My-refund-amount-is-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20250616348185-My-refund-amount-is-different-to-what-I-was-expecting-Why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/20250616348185-My-refund-amount-is-different-to-what-I-was-expecting-Why</loc>
  <lastmod>2024-08-23T08:52:39Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/20250616348185-My-refund-amount-is-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/20250616348185-My-refund-amount-is-different-to-what-I-was-expecting-Why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction</loc>
  <lastmod>2026-01-15T01:26:43Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21014684254873-Managing-Your-Payments-Early-Multiple-Custom-and-More"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction</loc>
  <lastmod>2026-01-15T01:26:43Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21014684254873-Managing-Your-Payments-Early-Multiple-Custom-and-More"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction</loc>
  <lastmod>2026-01-15T01:26:43Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21014684254873-Managing-Your-Payments-Early-Multiple-Custom-and-More"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/21014684254873-Managing-Your-Payments-Early-Multiple-Custom-and-More</loc>
  <lastmod>2026-01-15T01:26:43Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21014684254873-Can-I-pay-my-entire-owing-balance-or-multiple-payments-in-one-transaction"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21014684254873-Managing-Your-Payments-Early-Multiple-Custom-and-More"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/21120491969561-How-do-I-remove-a-card-from-my-account</loc>
  <lastmod>2026-03-16T22:39:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/21120491969561-How-do-I-remove-a-card-from-my-account</loc>
  <lastmod>2026-03-16T22:39:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/21120491969561-How-do-I-remove-a-card-from-my-account</loc>
  <lastmod>2026-03-16T22:39:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/21120491969561-How-do-I-remove-a-card-from-my-account</loc>
  <lastmod>2026-03-16T22:39:37Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21120491969561-How-do-I-remove-a-card-from-my-account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121066547225-How-do-I-change-a-card-that-is-linked-to-an-active-order"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/21121473794457-How-do-I-change-my-preferred-card</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121473794457-How-do-I-change-my-preferred-card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/21121473794457-How-do-I-change-my-preferred-card</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121473794457-How-do-I-change-my-preferred-card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/21121473794457-How-do-I-change-my-preferred-card</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121473794457-How-do-I-change-my-preferred-card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/21121473794457-How-do-I-change-my-preferred-card</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121473794457-How-do-I-change-my-preferred-card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121473794457-How-do-I-change-my-preferred-card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/21121793100313-My-payment-did-not-go-through-Why</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121793100313-My-payment-did-not-go-through-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121793100313-My-payment-did-not-go-through-why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121793100313-My-payment-did-not-go-through-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121793100313-My-payment-did-not-go-through-why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/21121793100313-My-payment-did-not-go-through-why</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121793100313-My-payment-did-not-go-through-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121793100313-My-payment-did-not-go-through-why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121793100313-My-payment-did-not-go-through-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121793100313-My-payment-did-not-go-through-why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/21121793100313-My-payment-did-not-go-through-Why</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121793100313-My-payment-did-not-go-through-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121793100313-My-payment-did-not-go-through-why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121793100313-My-payment-did-not-go-through-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121793100313-My-payment-did-not-go-through-why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/21121793100313-My-payment-did-not-go-through-why</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/21121793100313-My-payment-did-not-go-through-Why"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/21121793100313-My-payment-did-not-go-through-why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/21121793100313-My-payment-did-not-go-through-Why"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/21121793100313-My-payment-did-not-go-through-why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/22382973733529-How-can-I-manage-recurring-payments</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/22382973733529-How-can-I-manage-recurring-payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/22382973733529-How-can-I-manage-recurring-payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/22382973733529-How-can-I-manage-recurring-payments</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/22382973733529-How-can-I-manage-recurring-payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/22382973733529-How-can-I-manage-recurring-payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/22704004121625-How-can-I-turn-off-notifications</loc>
  <lastmod>2026-03-17T20:57:36Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting</loc>
  <lastmod>2026-03-16T23:17:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting</loc>
  <lastmod>2026-03-16T23:17:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting</loc>
  <lastmod>2026-03-16T23:17:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting</loc>
  <lastmod>2026-03-16T23:17:20Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/23950920510617-I-ve-been-charged-an-amount-different-to-what-I-was-expecting"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/27653115071257-Preferred-Payment-Day</loc>
  <lastmod>2026-02-18T22:26:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/27653115071257-Preferred-Payment-Day"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/27653115071257-Preferred-Payment-Day"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/27653115071257-Preferred-Payment-Day"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/27653115071257-Preferred-Payment-Day</loc>
  <lastmod>2026-02-18T22:26:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/27653115071257-Preferred-Payment-Day"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/27653115071257-Preferred-Payment-Day"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/27653115071257-Preferred-Payment-Day"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/27653115071257-Preferred-Payment-Day</loc>
  <lastmod>2026-02-18T22:26:38Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/27653115071257-Preferred-Payment-Day"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/27653115071257-Preferred-Payment-Day"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/27653115071257-Preferred-Payment-Day"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/27773403170841-Where-can-I-locate-my-loan-agreement</loc>
  <lastmod>2026-02-19T00:11:48Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/31900455889177-Disabling-Autopay</loc>
  <lastmod>2026-02-19T00:10:36Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/31900730195225-How-do-I-enable-Autopay</loc>
  <lastmod>2026-02-18T23:12:41Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/34278013627289-New-Zealand-Regulation-Changes-Credit-Checks-Reporting</loc>
  <lastmod>2026-02-18T22:36:59Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/35356098633881-I-m-a-new-customer-why-is-my-spend-limit-low</loc>
  <lastmod>2024-07-23T03:23:48Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/35356635596953-I-believe-the-information-on-my-credit-report-is-wrong-I-need-to-amend-it</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/35555097689625-I-received-an-email-about-my-spend-limit-why</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/35555097689625-I-received-an-email-about-my-spend-limit-why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/35555097689625-I-received-an-email-about-my-spend-limit-why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/35555097689625-I-received-an-email-about-my-spend-limit-why</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/35555097689625-I-received-an-email-about-my-spend-limit-why"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/35555097689625-I-received-an-email-about-my-spend-limit-why"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/35682295057305-Billing-Error</loc>
  <lastmod>2025-03-11T00:47:42Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/36431827107865-What-is-Credit-Reporting-and-what-information-does-Afterpay-report-on</loc>
  <lastmod>2026-02-19T00:01:19Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/37046234588313-Account-Statements-FAQ</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/37046234588313-Account-Statements-FAQ"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/37046234588313-Billing-Statements-FAQ"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/37046234588313-Billing-Statements-FAQ</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/37046234588313-Account-Statements-FAQ"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/37046234588313-Billing-Statements-FAQ"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/37835844241305-How-to-read-a-Billing-Statement</loc>
  <lastmod>2026-01-15T03:55:23Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/38340297916569-What-is-Spend-Cap</loc>
  <lastmod>2025-09-03T00:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/38340297916569-What-is-Spend-Cap"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/38340297916569-What-is-spend-cap"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/38340297916569-What-is-spend-cap</loc>
  <lastmod>2025-09-03T00:00:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/38340297916569-What-is-Spend-Cap"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/38340297916569-What-is-spend-cap"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/40120007962649-What-documents-can-I-use-to-verify-my-identity-account</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/40927352337177-I-received-an-email-asking-to-confirm-my-personal-details-is-this-legitimate</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/42594667320089-What-is-financial-hardship</loc>
  <lastmod>2025-03-14T00:40:02Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/42913256781721-Viewing-Active-Orders-in-your-Afterpay-App</loc>
  <lastmod>2025-02-25T21:37:41Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/43624656349849-No-payment-upfront</loc>
  <lastmod>2026-03-17T03:21:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/43624656349849-No-payment-upfront"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/43624656349849-Will-you-take-my-first-payment-up-front"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/43624656349849-No-payment-upfront"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/43624656349849-Will-you-take-my-first-payment-up-front"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/43624656349849-Will-you-take-my-first-payment-up-front</loc>
  <lastmod>2026-03-17T03:21:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/43624656349849-No-payment-upfront"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/43624656349849-Will-you-take-my-first-payment-up-front"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/43624656349849-No-payment-upfront"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/43624656349849-Will-you-take-my-first-payment-up-front"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/43624656349849-No-payment-upfront</loc>
  <lastmod>2026-03-17T03:21:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/43624656349849-No-payment-upfront"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/43624656349849-Will-you-take-my-first-payment-up-front"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/43624656349849-No-payment-upfront"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/43624656349849-Will-you-take-my-first-payment-up-front"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/43624656349849-Will-you-take-my-first-payment-up-front</loc>
  <lastmod>2026-03-17T03:21:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/43624656349849-No-payment-upfront"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/43624656349849-Will-you-take-my-first-payment-up-front"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/43624656349849-No-payment-upfront"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/43624656349849-Will-you-take-my-first-payment-up-front"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/43727948288281-Afterpay-Card-How-it-works</loc>
  <lastmod>2025-02-21T00:28:11Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/44400176851225-Why-has-the-Afterpay-name-changed-to-Cash-App-Afterpay-Does-anything-change-for-me</loc>
  <lastmod>2026-02-04T04:38:37Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/47726404312473-I-need-help-with-my-payments</loc>
  <lastmod>2025-07-07T01:51:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/47726404312473-I-need-help-with-my-payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/47726404312473-I-need-help-with-my-payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/47726404312473-I-need-help-with-my-payments</loc>
  <lastmod>2025-07-07T01:51:27Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/47726404312473-I-need-help-with-my-payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/47726404312473-I-need-help-with-my-payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/47727991226265-How-to-read-your-account-statement</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/48440668205977-I-need-help-with-my-payments</loc>
  <lastmod>2025-07-20T22:38:15Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/48440676588057-I-need-help-with-my-payments</loc>
  <lastmod>2025-07-20T22:38:16Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/49971556261401-How-can-I-manage-Linked-Businesses</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/49971556261401-How-can-I-manage-Linked-Businesses</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/49971556261401-How-can-I-manage-Linked-Businesses</loc>
  <lastmod>2025-09-08T03:15:13Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/49971556261401-How-can-I-manage-Linked-Businesses"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN</loc>
  <lastmod>2025-12-22T01:32:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN</loc>
  <lastmod>2025-12-22T01:32:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN</loc>
  <lastmod>2025-12-22T01:32:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN</loc>
  <lastmod>2025-12-22T01:32:05Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/articles/53559515603097-Why-is-my-Gift-Card-asking-for-a-PIN"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/articles/54219902971417-We-re-Here-to-Support-You-Hardship-Assistance-During-Australia-s-Natural-Disasters</loc>
  <lastmod>2026-01-14T02:52:35Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/54247573531417-Finance-fee-FAQs</loc>
  <lastmod>2026-01-14T23:47:39Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/articles/54678342249753-How-do-I-make-a-purchase-with-Amazon</loc>
  <lastmod>2026-02-22T21:14:07Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/articles/54719224677657-Je-n-ai-pas-re%C3%A7u-mes-marchandises-Comment-puis-je-ouvrir-un-litige</loc>
  <lastmod>2026-02-18T22:20:58Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/203372866-Managing-your-Account</loc>
  <lastmod>2026-03-17T20:57:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372866-Managing-your-Account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/sections/203372866-Managing-your-Account</loc>
  <lastmod>2026-03-17T20:57:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372866-Managing-your-Account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/203372866-Managing-your-Account</loc>
  <lastmod>2026-03-17T20:57:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372866-Managing-your-Account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/203372866-Managing-your-Account</loc>
  <lastmod>2026-03-17T20:57:36Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372866-Managing-your-Account"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372866-Managing-your-Account"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/203372906-Returns-Refunds</loc>
  <lastmod>2026-02-22T23:35:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372906-Refunds-Returns"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203372906-Retours-et-remboursements"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/sections/203372906-Returns-Refunds</loc>
  <lastmod>2026-02-22T23:35:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372906-Refunds-Returns"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203372906-Retours-et-remboursements"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/203372906-Refunds-Returns</loc>
  <lastmod>2026-02-22T23:35:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372906-Refunds-Returns"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203372906-Retours-et-remboursements"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/203372906-Returns-Refunds</loc>
  <lastmod>2026-02-22T23:35:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372906-Refunds-Returns"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203372906-Retours-et-remboursements"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/sections/203372906-Retours-et-remboursements</loc>
  <lastmod>2026-02-22T23:35:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203372906-Refunds-Returns"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203372906-Returns-Refunds"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203372906-Retours-et-remboursements"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/203376083-Getting-Started-With-Afterpay</loc>
  <lastmod>2026-03-16T23:29:31Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376083-Getting-Started-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203376083-Premi%C3%A8res-%C3%A9tapes-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/sections/203376083-Getting-Started-With-Afterpay</loc>
  <lastmod>2026-03-16T23:29:31Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376083-Getting-Started-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203376083-Premi%C3%A8res-%C3%A9tapes-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/203376083-Getting-Started-with-Afterpay</loc>
  <lastmod>2026-03-16T23:29:31Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376083-Getting-Started-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203376083-Premi%C3%A8res-%C3%A9tapes-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/203376083-Getting-Started-With-Afterpay</loc>
  <lastmod>2026-03-16T23:29:31Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376083-Getting-Started-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203376083-Premi%C3%A8res-%C3%A9tapes-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/sections/203376083-Premi%C3%A8res-%C3%A9tapes-avec-Afterpay</loc>
  <lastmod>2026-03-16T23:29:31Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376083-Getting-Started-with-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376083-Getting-Started-With-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/203376083-Premi%C3%A8res-%C3%A9tapes-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/203376123-Payments</loc>
  <lastmod>2026-03-17T03:21:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376123-Payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/sections/203376123-Payments</loc>
  <lastmod>2026-03-17T03:21:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376123-Payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/203376123-Payments</loc>
  <lastmod>2026-03-17T03:21:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376123-Payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/203376123-Payments</loc>
  <lastmod>2026-03-17T03:21:51Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/203376123-Payments"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/203376123-Payments"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/115000485786-Managing-Orders</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000485786-Gestion-des-commandes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/sections/115000485786-Managing-Orders</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000485786-Gestion-des-commandes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/115000485786-Managing-Orders</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000485786-Gestion-des-commandes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/115000485786-Managing-Orders</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000485786-Gestion-des-commandes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/sections/115000485786-Gestion-des-commandes</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000485786-Managing-Orders"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000485786-Gestion-des-commandes"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/115000513883-Log-In-Account-Access</loc>
  <lastmod>2026-02-18T03:13:48Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000513883-Connexion-Acc%C3%A8s-au-compte"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/sections/115000513883-Log-In-Account-Access</loc>
  <lastmod>2026-02-18T03:13:48Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000513883-Connexion-Acc%C3%A8s-au-compte"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/115000513883-Log-In-Account-Access</loc>
  <lastmod>2026-02-18T03:13:48Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000513883-Connexion-Acc%C3%A8s-au-compte"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/115000513883-Log-In-Account-Access</loc>
  <lastmod>2026-02-18T03:13:48Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000513883-Connexion-Acc%C3%A8s-au-compte"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/sections/115000513883-Connexion-Acc%C3%A8s-au-compte</loc>
  <lastmod>2026-02-18T03:13:48Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000513883-Log-In-Account-Access"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/115000513883-Connexion-Acc%C3%A8s-au-compte"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/115000973166-Afterpay-In-Store</loc>
  <lastmod>2026-02-20T03:50:32Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000973166-Afterpay-In-Store"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000973166-Afterpay-Instore"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000973166-Afterpay-In-Store"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/115000973166-Afterpay-Instore</loc>
  <lastmod>2026-02-20T03:50:32Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000973166-Afterpay-In-Store"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000973166-Afterpay-Instore"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000973166-Afterpay-In-Store"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/115000973166-Afterpay-In-Store</loc>
  <lastmod>2026-02-20T03:50:32Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/115000973166-Afterpay-In-Store"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/115000973166-Afterpay-Instore"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/115000973166-Afterpay-In-Store"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/360000137606-Contact-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/360000137606-Communiquez-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/sections/360000137606-Contact-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/360000137606-Communiquez-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/360000137606-Contact-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/360000137606-Communiquez-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/360000137606-Contact-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/360000137606-Communiquez-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/sections/360000137606-Communiquez-avec-Afterpay</loc>
  <lastmod>2026-03-01T23:41:01Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/360000137606-Contact-Afterpay"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/sections/360000137606-Communiquez-avec-Afterpay"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/360007262932-Other-popular-questions</loc>
  <lastmod>2026-03-04T23:25:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/360007262932-Other-popular-questions"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/360007262932-Other-popular-questions"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/360007262932-Other-popular-questions"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/360007262932-Other-popular-questions</loc>
  <lastmod>2026-03-04T23:25:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/360007262932-Other-popular-questions"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/360007262932-Other-popular-questions"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/360007262932-Other-popular-questions"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/360007262932-Other-popular-questions</loc>
  <lastmod>2026-03-04T23:25:50Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/360007262932-Other-popular-questions"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/360007262932-Other-popular-questions"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/360007262932-Other-popular-questions"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/900000441026-Hardship</loc>
  <lastmod>2026-03-17T21:25:30Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/900000441026-Hardship"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/900000441026-Hardship"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/900000441026-Hardship"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/900000441026-Hardship</loc>
  <lastmod>2026-03-17T21:25:30Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/900000441026-Hardship"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/900000441026-Hardship"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/900000441026-Hardship"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/900000441026-Hardship</loc>
  <lastmod>2026-03-17T21:25:30Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/900000441026-Hardship"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/900000441026-Hardship"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/900000441026-Hardship"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/900002026683-Privacy-Security</loc>
  <lastmod>2026-03-16T22:16:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/900002026683-Privacy-Security"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/900002026683-Privacy-Security"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/900002026683-Privacy-Security"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/900002026683-Privacy-Security</loc>
  <lastmod>2026-03-16T22:16:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/900002026683-Privacy-Security"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/900002026683-Privacy-Security"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/900002026683-Privacy-Security"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/900002026683-Privacy-Security</loc>
  <lastmod>2026-03-16T22:16:09Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/900002026683-Privacy-Security"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/900002026683-Privacy-Security"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/900002026683-Privacy-Security"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/13034126386457-Set-up-guides-for-Afterpay-Card</loc>
  <lastmod>2025-02-21T00:28:11Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/13034126386457-Set-up-guides-for-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/13034126386457-Set-up-guides-for-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/13034126386457-Set-up-guides-for-Afterpay-Card-Afterpay-Plus-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/13034126386457-Set-up-guides-for-Afterpay-Card</loc>
  <lastmod>2025-02-21T00:28:11Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/13034126386457-Set-up-guides-for-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/13034126386457-Set-up-guides-for-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/13034126386457-Set-up-guides-for-Afterpay-Card-Afterpay-Plus-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/sections/13034126386457-Set-up-guides-for-Afterpay-Card-Afterpay-Plus-Card</loc>
  <lastmod>2025-02-21T00:28:11Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/13034126386457-Set-up-guides-for-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/13034126386457-Set-up-guides-for-Afterpay-Card"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/sections/13034126386457-Set-up-guides-for-Afterpay-Card-Afterpay-Plus-Card"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/sections/13721759906201-Afterpay-Features</loc>
  <lastmod>2026-02-18T03:50:53Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/13721759906201-Afterpay-Features"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/13721759906201-Afterpay-Features"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/sections/13721759906201-Afterpay-Features</loc>
  <lastmod>2026-02-18T03:50:53Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/sections/13721759906201-Afterpay-Features"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/sections/13721759906201-Afterpay-Features"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/sections/42595039669785-Hardship</loc>
  <lastmod>2026-01-14T02:48:09Z</lastmod>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-au/categories/360001002192-I-m-a-Customer</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/categories/360001002192-I-M-A-CUSTOMER"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/categories/360001002192-Je-suis-un-client"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-ca/categories/360001002192-I-M-A-CUSTOMER</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/categories/360001002192-I-M-A-CUSTOMER"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/categories/360001002192-Je-suis-un-client"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-nz/categories/360001002192-I-m-a-Customer</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/categories/360001002192-I-M-A-CUSTOMER"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/categories/360001002192-Je-suis-un-client"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/en-us/categories/360001002192-I-m-a-Customer</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/categories/360001002192-I-M-A-CUSTOMER"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/categories/360001002192-Je-suis-un-client"/>
</url>
<url>
  <loc>https://help.afterpay.com/hc/fr-ca/categories/360001002192-Je-suis-un-client</loc>
  <lastmod>2026-03-19T22:35:57Z</lastmod>
<xhtml:link rel="alternate" hreflang="en-au" href="https://help.afterpay.com/hc/en-au/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-ca" href="https://help.afterpay.com/hc/en-ca/categories/360001002192-I-M-A-CUSTOMER"/>
<xhtml:link rel="alternate" hreflang="en-nz" href="https://help.afterpay.com/hc/en-nz/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="en-us" href="https://help.afterpay.com/hc/en-us/categories/360001002192-I-m-a-Customer"/>
<xhtml:link rel="alternate" hreflang="fr-ca" href="https://help.afterpay.com/hc/fr-ca/categories/360001002192-Je-suis-un-client"/>
</url>
</urlset>
