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

  Source of truth for this list is the route table in
  src/app/credentialing/credentialing-routing.module.ts: every route that has a `seo` block and
  does NOT set `seo.noindex` belongs here. Alias and legacy spellings (/product, /about,
  /frequent-questions, /credentialing/*) are deliberately excluded — they 301 onto these URLs and
  listing a redirect in a sitemap is a crawl-budget waste.

  `npm run check:sitemap` diffs this file against the route table and fails if they drift.

  lastmod: update when a page's content materially changes, NOT on every deploy — an always-today
  lastmod is noise and Google learns to ignore it. priority/changefreq are omitted on purpose;
  Google ignores both.

  2026-09-02 (from 2026-08-13, the hash-routing migration): prerendering went live. Every one of
  these URLs previously served an empty <app-root> — 0 words and the same <title> — to any client
  that does not execute JavaScript. They now serve fully rendered HTML with per-page titles and
  canonicals. From a crawler's point of view that is the most material content change these pages
  will ever have, so it earns a fresh lastmod even though the human-visible copy is unchanged.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://merchantsbi.com/</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/our-product</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/use-cases</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/about-us</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/faq</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/contact-us</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/terms-of-service</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/terms-of-use</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/privacy-notice</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/cookie-policy</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/california-privacy</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/accessibility</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
  <url>
    <loc>https://merchantsbi.com/subprocessors</loc>
    <lastmod>2026-09-02</lastmod>
  </url>
</urlset>
