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  <!-- ═══ CORE PAGES ════════════════════════════════════════════════════ -->
  <url>
    <loc>https://quarvo.io/</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://quarvo.io/for-merchants</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://quarvo.io/pay-with-quarvo</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ═══ BLOG ════════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://quarvo.io/blog</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Blog — for merchants -->
  <url>
    <loc>https://quarvo.io/blog/hidden-cost-declined-high-ticket-sales</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://quarvo.io/blog/high-aov-checkouts-convert-worse</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://quarvo.io/blog/stripe-connect-multi-card-splitting</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://quarvo.io/blog/recovery-rate-benchmarks</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://quarvo.io/blog/merchant-playbook-high-aov-recovery</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog — for customers -->
  <url>
    <loc>https://quarvo.io/blog/how-to-pay-with-two-credit-cards-at-once</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://quarvo.io/blog/split-purchase-across-multiple-credit-cards</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://quarvo.io/blog/credit-card-limit-not-enough-for-purchase</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://quarvo.io/blog/use-two-credit-cards-one-transaction</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://quarvo.io/blog/pay-large-purchase-multiple-cards</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- ═══ COMPARE PAGES ═══════════════════════════════════════════════════ -->
  <url>
    <loc>https://quarvo.io/compare</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://quarvo.io/compare/bnpl</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://quarvo.io/compare/klarna</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://quarvo.io/compare/affirm</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://quarvo.io/compare/afterpay</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- ═══ TRUST &amp; LAUNCH ASSETS ════════════════════════════════════════ -->
  <url>
    <loc>https://quarvo.io/security</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://quarvo.io/changelog</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://quarvo.io/brand</loc>
    <lastmod>2026-05-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ═══ LEGAL ═════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://quarvo.io/privacy</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://quarvo.io/terms</loc>
    <lastmod>2026-04-22</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

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