<?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.incard.co/en/articles/6876321-is-my-company-eligible-for-an-incard-account</loc>
    <lastmod>2025-02-10T15:35:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876327-what-documents-do-i-need-to-provide</loc>
    <lastmod>2025-08-07T10:49:28Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876329-how-long-will-it-take-after-i-submit-the-application</loc>
    <lastmod>2023-01-08T15:31:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876332-why-my-application-has-been-declined</loc>
    <lastmod>2025-08-07T11:55:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876334-which-address-should-i-use-to-open-my-account</loc>
    <lastmod>2025-08-07T10:38:15Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876335-can-i-resubmit-an-application-if-i-ve-been-declined</loc>
    <lastmod>2023-01-08T16:57:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876337-what-if-i-can-t-find-my-business-category-in-the-list</loc>
    <lastmod>2025-08-07T10:17:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876339-what-are-our-restricted-industries</loc>
    <lastmod>2026-01-26T11:23:12Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876341-how-is-the-balance-of-my-account-calculated</loc>
    <lastmod>2023-03-17T15:06:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876342-can-i-have-a-negative-balance</loc>
    <lastmod>2025-08-07T10:51:17Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876343-where-do-i-find-my-statements</loc>
    <lastmod>2025-08-07T10:26:33Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876344-how-does-incard-keep-my-money-safe</loc>
    <lastmod>2025-08-07T11:56:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876345-strong-customer-authentication-sca</loc>
    <lastmod>2025-08-07T11:02:05Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876349-i-forgot-my-password</loc>
    <lastmod>2023-01-08T15:37:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876350-manage-my-trusted-devices</loc>
    <lastmod>2025-08-07T10:35:12Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876351-update-my-personal-and-company-details</loc>
    <lastmod>2023-01-08T17:09:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876352-what-are-the-different-roles-available</loc>
    <lastmod>2025-08-07T10:27:26Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876353-how-do-i-invite-a-new-user-to-my-incard-account</loc>
    <lastmod>2025-08-07T10:15:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876354-manage-ownership-of-an-account</loc>
    <lastmod>2025-08-07T10:18:26Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876355-can-i-link-2-accounts-with-different-email-addresses</loc>
    <lastmod>2025-08-07T10:18:52Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876356-open-an-account-for-my-other-business</loc>
    <lastmod>2025-08-07T10:19:25Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876357-switch-between-business-accounts</loc>
    <lastmod>2025-08-07T10:19:43Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876358-where-my-data-is-stored</loc>
    <lastmod>2023-01-08T15:39:49Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876359-how-to-erase-my-data</loc>
    <lastmod>2025-08-07T10:43:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876361-what-kind-of-cards-do-we-use</loc>
    <lastmod>2025-08-07T10:35:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876362-how-to-create-a-card-and-receive-it</loc>
    <lastmod>2025-08-07T10:28:09Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876363-how-to-activate-my-physical-card</loc>
    <lastmod>2025-08-07T10:21:22Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876364-pay-online-with-a-virtual-card</loc>
    <lastmod>2023-01-08T17:19:33Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876365-pay-at-a-gas-station</loc>
    <lastmod>2025-08-07T11:02:19Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876366-pay-at-a-car-or-equipment-rental</loc>
    <lastmod>2023-03-17T15:11:49Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876367-pay-at-hotel</loc>
    <lastmod>2023-03-17T15:12:21Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876368-what-is-the-billing-address-of-my-card</loc>
    <lastmod>2023-01-08T15:43:33Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876369-reset-or-find-your-pin-code</loc>
    <lastmod>2023-06-28T10:24:27Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876371-can-i-transfer-my-card-to-a-coworker</loc>
    <lastmod>2025-08-07T10:29:19Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876372-cancel-a-physical-card-s-order</loc>
    <lastmod>2023-01-08T17:07:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876373-what-is-3d-secure</loc>
    <lastmod>2024-09-06T12:22:31Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876374-apple-pay-and-google-pay</loc>
    <lastmod>2025-08-07T10:22:48Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876375-setup-your-spending-limits</loc>
    <lastmod>2025-08-07T10:22:29Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876376-temporarily-deactivate-your-card</loc>
    <lastmod>2023-01-08T17:18:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876377-permanently-deactivate-your-card</loc>
    <lastmod>2023-01-08T15:46:45Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876378-what-s-a-pending-card-transaction</loc>
    <lastmod>2025-08-07T10:23:17Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876380-why-does-my-transaction-appear-higher-than-the-actual-amount</loc>
    <lastmod>2023-03-17T15:15:33Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876381-what-are-the-different-states-of-a-card-payment</loc>
    <lastmod>2025-08-07T11:56:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876382-can-i-store-money-in-different-currencies</loc>
    <lastmod>2025-08-07T10:25:58Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876384-how-to-add-a-currency</loc>
    <lastmod>2025-08-07T10:29:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876385-reminder-for-foreign-transactions</loc>
    <lastmod>2023-01-08T15:48:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876386-in-which-countries-can-i-use-my-cards</loc>
    <lastmod>2025-08-07T10:31:33Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876387-pro-tips-to-avoid-fraudulent-payments</loc>
    <lastmod>2025-08-07T11:03:25Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876388-chargeback-if-you-suspect-a-fraudulent-payment</loc>
    <lastmod>2025-08-07T11:06:41Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876389-freeze-your-card-if-you-suspect-a-fraudulent-payment</loc>
    <lastmod>2025-08-07T11:06:50Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876391-my-card-is-lost-stolen-damaged</loc>
    <lastmod>2025-08-07T11:07:34Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876393-i-didn-t-receive-my-card</loc>
    <lastmod>2023-01-08T17:16:44Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876394-i-have-exceeded-my-limit-for-contactless-payments</loc>
    <lastmod>2023-06-28T10:26:38Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876395-my-card-appears-as-frozen-on-the-app</loc>
    <lastmod>2025-08-07T10:43:12Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876397-my-card-has-been-swallowed-by-an-atm</loc>
    <lastmod>2025-08-07T10:47:53Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876399-my-payment-was-refused-by-a-merchant</loc>
    <lastmod>2024-04-17T08:37:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876400-my-physical-card-doesn-t-work</loc>
    <lastmod>2025-08-07T11:07:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876401-my-online-payment-failed</loc>
    <lastmod>2024-04-17T08:36:04Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876402-my-card-didn-t-work-on-a-pos</loc>
    <lastmod>2023-06-28T10:29:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876403-i-found-a-lost-incard-card</loc>
    <lastmod>2025-08-07T10:43:57Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876404-where-can-i-send-money-to</loc>
    <lastmod>2025-04-07T08:56:57Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876406-my-transaction-has-been-rejected</loc>
    <lastmod>2024-04-16T18:00:23Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876407-what-is-an-international-transfer</loc>
    <lastmod>2023-01-08T15:55:50Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876408-what-is-the-difference-between-a-swift-and-a-sepa-transfers</loc>
    <lastmod>2025-08-07T11:09:47Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876409-sending-money-fees</loc>
    <lastmod>2025-08-07T11:54:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876412-how-can-i-receive-money-or-transfer-money-into-my-incard-account</loc>
    <lastmod>2025-05-05T13:12:06Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876413-where-can-i-find-my-account-information-or-iban</loc>
    <lastmod>2025-08-07T10:32:12Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876414-what-do-local-account-details-mean</loc>
    <lastmod>2025-08-07T10:32:37Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876415-someone-has-paid-me-using-incard-but-i-haven-t-received-it-yet</loc>
    <lastmod>2025-08-07T10:45:06Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876416-i-am-an-incard-customer-and-i-have-not-received-my-money-yet</loc>
    <lastmod>2025-08-07T10:38:54Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/6876418-does-incard-accept-cash-or-receipt-deposits</loc>
    <lastmod>2025-08-07T10:38:35Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/7891068-what-is-a-source-of-wealth-sow-and-what-can-you-send-us</loc>
    <lastmod>2025-08-07T11:51:07Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/8061508-my-transaction-is-automatically-declined-pin-tries-exceeded</loc>
    <lastmod>2023-06-28T10:23:15Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9159422-xero-integration</loc>
    <lastmod>2024-07-23T16:31:55Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9638763-onboarding-a-step-by-step-guide</loc>
    <lastmod>2025-08-07T11:59:03Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9639487-your-account-has-been-activated-next-steps</loc>
    <lastmod>2024-07-22T14:00:30Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645549-link-other-bank-accounts-to-incard</loc>
    <lastmod>2024-07-23T11:56:56Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645563-integrate-stripe-with-incard</loc>
    <lastmod>2024-07-23T11:56:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645568-integrate-paypal-with-incard</loc>
    <lastmod>2024-07-23T11:54:36Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645571-integrate-shopify-and-shopify-payments-with-incard</loc>
    <lastmod>2024-07-23T11:59:51Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645574-integrate-meta-ads-with-incard</loc>
    <lastmod>2024-07-23T17:59:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645586-set-up-categories</loc>
    <lastmod>2024-07-23T12:08:43Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645616-set-up-rules-for-your-categories</loc>
    <lastmod>2024-07-23T12:10:40Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645620-cashflow-analytics</loc>
    <lastmod>2024-07-23T12:12:30Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645632-stores-analytics</loc>
    <lastmod>2024-07-23T12:05:26Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645641-payouts-analytics</loc>
    <lastmod>2024-07-23T12:01:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9645897-receive-stripe-payouts-on-incard</loc>
    <lastmod>2024-08-05T11:45:13Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9646074-receive-shopify-payouts-on-incard</loc>
    <lastmod>2024-07-23T12:02:16Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9646627-withdraw-paypal-balance-to-incard</loc>
    <lastmod>2024-07-23T11:45:02Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9649501-media-buying-analytics</loc>
    <lastmod>2024-07-23T17:56:21Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9684806-contact-us</loc>
    <lastmod>2025-04-01T15:12:08Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/9883167-visa-exchange-rate-calculator</loc>
    <lastmod>2025-08-07T12:00:18Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/articles/11588542-emergency-card-and-cash-assistance</loc>
    <lastmod>2025-06-17T10:20:49Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/collections/3800727-getting-started</loc>
    <lastmod>2024-07-22T17:09:46Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/collections/3800732-your-account</loc>
    <lastmod>2023-01-08T16:12:01Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/collections/3800742-cards</loc>
    <lastmod>2023-01-08T16:13:00Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/collections/3800759-transactions</loc>
    <lastmod>2023-01-26T09:21:49Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/collections/9959424-incard-integrations</loc>
    <lastmod>2024-07-23T10:14:24Z</lastmod>
  </url>
  <url>
    <loc>https://help.incard.co/en/collections/9959425-financial-management</loc>
    <lastmod>2024-07-23T10:14:38Z</lastmod>
  </url>
</urlset>
