<?xml version="1.0" encoding="UTF-8"?>
<!-- Canonical, indexable, 200-status URLs only.

     Extensionless forms deliberately. Netlify serves BOTH /trade and
     /trade.html with a 200 (verified 7 Sep 2026), so every page has a twin.
     They are consolidated by the rel=canonical tag on each page pointing
     here, NOT by a redirect: _redirects already rewrites /trade -> /trade.html
     with a 200, and adding a 301 back the other way risks a loop.

     /contact is absent deliberately: it is a 200 ALIAS of /support (see
     _redirects), and support.html's rel=canonical points at /support. Listing
     both would submit two URLs for one page. The same reasoning keeps
     /tradespeople out.

     Functional return surfaces (/app-return, /reset-password) are absent by
     design and are Disallowed in robots.txt — they bounce a user into the app
     and render nothing worth indexing. -->
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    <loc>https://paytrader.net/</loc>
    <lastmod>2026-09-07</lastmod>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://paytrader.net/trade</loc>
    <lastmod>2026-09-07</lastmod>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://paytrader.net/download</loc>
    <lastmod>2026-09-07</lastmod>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytrader.net/terms</loc>
    <lastmod>2026-09-07</lastmod>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://paytrader.net/privacy</loc>
    <lastmod>2026-09-07</lastmod>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://paytrader.net/sub-processors</loc>
    <lastmod>2026-09-24</lastmod>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://paytrader.net/cookie-policy</loc>
    <lastmod>2026-09-07</lastmod>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://paytrader.net/delete-account</loc>
    <lastmod>2026-09-07</lastmod>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://paytrader.net/support</loc>
    <lastmod>2026-09-23</lastmod>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://paytrader.net/guides/</loc>
    <lastmod>2026-09-16</lastmod>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://paytrader.net/guides/how-to-pay-a-builder</loc>
    <lastmod>2026-09-16</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytrader.net/guides/builder-deposit</loc>
    <lastmod>2026-09-16</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytrader.net/guides/stage-payments</loc>
    <lastmod>2026-09-16</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytrader.net/guides/escrow-for-home-improvements</loc>
    <lastmod>2026-09-16</lastmod>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://paytrader.net/guides/getting-paid-as-a-tradesperson</loc>
    <lastmod>2026-09-16</lastmod>
    <priority>0.6</priority>
  </url>
</urlset>
