<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//merchantstronghold.com/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://merchantstronghold.com/glossary/zero-floor-limit/</loc>
		<lastmod>2022-09-20T19:20:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/salary-sacrificing/</loc>
		<lastmod>2022-09-20T19:21:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/rs232/</loc>
		<lastmod>2022-09-20T19:21:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/rom-read-only-memory/</loc>
		<lastmod>2022-09-20T19:28:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/rom/</loc>
		<lastmod>2022-09-20T19:29:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/rolling-reserve/</loc>
		<lastmod>2022-09-20T19:29:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/roi/</loc>
		<lastmod>2022-09-20T19:30:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/robust/</loc>
		<lastmod>2022-09-20T19:31:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/roaming-charges/</loc>
		<lastmod>2022-09-20T19:31:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/risk-tolerance/</loc>
		<lastmod>2022-09-20T19:31:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/risk/</loc>
		<lastmod>2022-09-20T19:33:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/reward-scheme/</loc>
		<lastmod>2022-09-20T19:33:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/reverse-mortgage/</loc>
		<lastmod>2022-09-20T19:33:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/reversal/</loc>
		<lastmod>2022-09-20T19:34:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/revenue-optimization/</loc>
		<lastmod>2022-09-20T19:34:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/revenue/</loc>
		<lastmod>2022-09-20T19:35:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/return-policy/</loc>
		<lastmod>2022-09-20T19:35:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/return/</loc>
		<lastmod>2022-09-20T19:36:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/retrieval-request/</loc>
		<lastmod>2022-09-20T19:37:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/retirement-savings-account/</loc>
		<lastmod>2022-09-20T19:37:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/retail-transaction/</loc>
		<lastmod>2022-09-20T19:39:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/responsible-entity/</loc>
		<lastmod>2022-09-20T19:40:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/re-presentment/</loc>
		<lastmod>2022-09-20T19:40:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/chargeback-representment/</loc>
		<lastmod>2022-09-20T19:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/report/</loc>
		<lastmod>2022-09-20T19:41:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/renters-insurance/</loc>
		<lastmod>2022-09-20T19:42:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/remarketing/</loc>
		<lastmod>2022-09-20T19:43:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/regulatory-risk/</loc>
		<lastmod>2022-09-20T19:44:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/refund/</loc>
		<lastmod>2022-09-20T19:45:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/refinance/</loc>
		<lastmod>2022-09-20T19:46:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/referral/</loc>
		<lastmod>2022-09-20T19:46:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/redraw-facility/</loc>
		<lastmod>2022-09-20T19:47:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/recurring-transaction/</loc>
		<lastmod>2022-09-20T19:47:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/recurring-payment/</loc>
		<lastmod>2022-09-20T19:47:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/recovery/</loc>
		<lastmod>2022-09-20T19:48:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/re-authorization-re-auth-add-auth/</loc>
		<lastmod>2022-09-20T19:48:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/reason-code/</loc>
		<lastmod>2022-09-20T19:49:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/reactivation-emails/</loc>
		<lastmod>2022-09-20T19:49:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/reactivation-campaign/</loc>
		<lastmod>2022-09-20T19:49:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ram-random-access-memory/</loc>
		<lastmod>2022-09-20T19:50:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ram/</loc>
		<lastmod>2022-09-20T19:51:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/multi-currency-pricing/</loc>
		<lastmod>2022-09-20T19:51:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgagor/</loc>
		<lastmod>2022-09-20T19:52:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgagee-sale/</loc>
		<lastmod>2022-09-20T19:52:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgagee/</loc>
		<lastmod>2022-09-20T19:53:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgage-backed-security/</loc>
		<lastmod>2022-09-20T19:53:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgage-scheme/</loc>
		<lastmod>2022-09-20T19:53:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgage-fund/</loc>
		<lastmod>2022-09-20T19:54:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgage-fees/</loc>
		<lastmod>2022-09-20T19:54:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgage-broker/</loc>
		<lastmod>2022-09-20T19:55:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mortgage/</loc>
		<lastmod>2022-09-20T19:56:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mop/</loc>
		<lastmod>2022-09-20T19:56:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/money-transfer-request/</loc>
		<lastmod>2022-09-20T19:56:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mobile-phone-plan/</loc>
		<lastmod>2022-09-20T19:57:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mobile-commerce/</loc>
		<lastmod>2022-09-20T19:57:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mobile-broadband/</loc>
		<lastmod>2022-09-20T19:58:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mo-to/</loc>
		<lastmod>2022-09-20T19:58:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mmd/</loc>
		<lastmod>2022-09-20T19:59:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mining-tenement/</loc>
		<lastmod>2022-09-20T19:59:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/minimum-payment/</loc>
		<lastmod>2022-09-20T20:01:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/minimum-discount-fee/</loc>
		<lastmod>2022-09-20T20:01:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mid/</loc>
		<lastmod>2022-09-20T20:01:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/micr-number/</loc>
		<lastmod>2022-09-20T20:02:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mezzanine-finance/</loc>
		<lastmod>2022-09-20T20:03:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/method-of-payment-mop/</loc>
		<lastmod>2022-09-20T20:03:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/merchant-qualification-standards/</loc>
		<lastmod>2022-09-20T20:04:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/merchant-processing-agreement-mpa/</loc>
		<lastmod>2022-09-20T20:05:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/merchant-identification-mid-number/</loc>
		<lastmod>2022-09-20T20:05:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/merchant-file/</loc>
		<lastmod>2022-09-20T20:06:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/merchant-discount/</loc>
		<lastmod>2022-09-20T20:06:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/merchant-category-code-mcc/</loc>
		<lastmod>2022-09-20T20:08:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/merchant-bank/</loc>
		<lastmod>2022-09-20T20:08:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/merchant/</loc>
		<lastmod>2022-09-20T20:10:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/memory-card-or-smart-card/</loc>
		<lastmod>2022-09-20T20:10:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/member/</loc>
		<lastmod>2022-09-20T20:11:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/media-retrieval-requests/</loc>
		<lastmod>2022-09-20T20:11:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/media/</loc>
		<lastmod>2022-09-20T20:12:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mcc-or-mcc-codes/</loc>
		<lastmod>2022-09-20T20:12:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/maturity/</loc>
		<lastmod>2022-09-20T20:14:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/match/</loc>
		<lastmod>2022-09-20T20:14:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mastercard/</loc>
		<lastmod>2022-09-20T20:15:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mastercard-secure/</loc>
		<lastmod>2022-09-20T20:16:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mastercard-international-incorporated/</loc>
		<lastmod>2022-09-20T20:16:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/master-trust/</loc>
		<lastmod>2022-09-20T20:17:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/mark-to-market/</loc>
		<lastmod>2022-09-20T20:18:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/market-linked-investment/</loc>
		<lastmod>2022-09-20T20:19:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/market-sector/</loc>
		<lastmod>2022-09-20T20:20:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/marginal-tax-rate/</loc>
		<lastmod>2022-09-20T20:21:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/margin-loan/</loc>
		<lastmod>2022-09-20T20:22:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/margin-call/</loc>
		<lastmod>2022-09-20T20:24:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/managed-fund/</loc>
		<lastmod>2022-09-20T20:24:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/managed-discretionary-account-mda/</loc>
		<lastmod>2022-09-20T20:25:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/magnetic-stripe-reading/</loc>
		<lastmod>2022-09-20T20:26:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/magnetic-stripe-reader/</loc>
		<lastmod>2022-09-20T20:27:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/magnetic-stripe/</loc>
		<lastmod>2022-09-20T20:27:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/magnetic-ink-character-recognition-number-micr-number/</loc>
		<lastmod>2022-09-20T20:29:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/machine-learning-technology/</loc>
		<lastmod>2022-09-20T20:29:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fx-foreign-exchange-rate/</loc>
		<lastmod>2022-09-20T20:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/futures/</loc>
		<lastmod>2022-09-20T20:45:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/funeral-bond/</loc>
		<lastmod>2022-09-20T20:46:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fund-manager/</loc>
		<lastmod>2022-09-20T20:46:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fund-choice/</loc>
		<lastmod>2022-09-20T20:47:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fully-franked-dividend/</loc>
		<lastmod>2022-09-20T20:47:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ftp/</loc>
		<lastmod>2022-09-20T20:47:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fsg/</loc>
		<lastmod>2022-09-20T20:48:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/front-end-network/</loc>
		<lastmod>2022-09-20T20:48:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fraud-investigation/</loc>
		<lastmod>2022-09-20T20:49:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/franking-credit/</loc>
		<lastmod>2022-09-20T20:49:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/frame-relay/</loc>
		<lastmod>2022-09-20T20:49:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/foreign-transaction-fee/</loc>
		<lastmod>2022-09-20T20:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/force/</loc>
		<lastmod>2022-09-20T20:51:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/folio/</loc>
		<lastmod>2022-09-20T20:51:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/floating-rate-note/</loc>
		<lastmod>2022-09-20T20:52:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/floating-rate/</loc>
		<lastmod>2022-09-20T20:53:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/float/</loc>
		<lastmod>2022-09-20T20:54:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fleet-card/</loc>
		<lastmod>2022-09-20T20:55:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/flag-fall/</loc>
		<lastmod>2022-09-20T20:55:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fixed-term-deposit/</loc>
		<lastmod>2022-09-20T20:57:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fixed-rate-home-loan/</loc>
		<lastmod>2022-09-20T20:57:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fixed-rate/</loc>
		<lastmod>2022-09-20T20:58:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fixed-interest-rate/</loc>
		<lastmod>2022-09-20T20:58:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fixed-interest-investment/</loc>
		<lastmod>2022-09-20T20:59:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fixed-deposit/</loc>
		<lastmod>2022-09-20T21:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/first-home-saver-account/</loc>
		<lastmod>2022-09-20T21:00:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/first-home-owners-grant/</loc>
		<lastmod>2022-09-20T21:01:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/financial-services-guide-fsg/</loc>
		<lastmod>2022-09-20T21:02:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/financial-product/</loc>
		<lastmod>2022-09-20T21:03:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/financial-planner/</loc>
		<lastmod>2022-09-20T21:03:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/financial-plan/</loc>
		<lastmod>2022-09-20T21:04:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/financial-institution/</loc>
		<lastmod>2022-09-20T21:05:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/financial-counsellor/</loc>
		<lastmod>2022-09-20T21:07:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/financial-claims-scheme-fcs/</loc>
		<lastmod>2022-09-20T21:07:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/financial-adviser/</loc>
		<lastmod>2022-09-20T21:07:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/finance-broker/</loc>
		<lastmod>2022-09-20T21:08:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/file-transfer-protocol-ftp/</loc>
		<lastmod>2022-09-20T21:09:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fees/</loc>
		<lastmod>2022-09-20T21:11:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fee-for-service/</loc>
		<lastmod>2022-09-20T21:13:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/fedwire/</loc>
		<lastmod>2022-09-20T21:13:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/factoring/</loc>
		<lastmod>2022-09-20T21:14:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/face-value/</loc>
		<lastmod>2022-09-20T21:15:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/%d1%81reation-of-merchant-account/</loc>
		<lastmod>2022-09-20T21:15:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cvv2-cvc2/</loc>
		<lastmod>2022-09-20T21:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cvv2/</loc>
		<lastmod>2022-09-20T21:16:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cvv/</loc>
		<lastmod>2022-09-20T21:17:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cvc2/</loc>
		<lastmod>2022-09-20T21:17:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/customer-segmentation/</loc>
		<lastmod>2022-09-20T21:18:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/customer-retention-or-retention/</loc>
		<lastmod>2022-09-20T21:19:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/customer-lifetime-value-clv-or-lifetime-value-of-a-customer-ltv/</loc>
		<lastmod>2022-09-20T21:19:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/customer-experience-or-user-experience-or-ux/</loc>
		<lastmod>2022-09-20T21:20:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/currency-risk/</loc>
		<lastmod>2022-09-20T21:21:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/csp/</loc>
		<lastmod>2022-09-20T21:21:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cryptography/</loc>
		<lastmod>2022-09-20T21:23:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cro-conversion-rate-optimization/</loc>
		<lastmod>2022-09-20T21:23:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/crm-customer-relationship-management/</loc>
		<lastmod>2022-09-20T21:24:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/critical-information-summary-cis/</loc>
		<lastmod>2022-09-20T21:24:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/creditor/</loc>
		<lastmod>2022-09-20T21:40:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-pending-settlement/</loc>
		<lastmod>2022-09-20T21:41:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-union/</loc>
		<lastmod>2022-09-20T21:41:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-slip/</loc>
		<lastmod>2022-09-20T21:42:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-reporting-agency/</loc>
		<lastmod>2022-09-20T21:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-report-credit-reference/</loc>
		<lastmod>2022-09-20T21:42:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-rating/</loc>
		<lastmod>2022-09-20T21:43:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-limit/</loc>
		<lastmod>2022-09-20T21:43:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-guide/</loc>
		<lastmod>2022-09-20T21:43:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-file/</loc>
		<lastmod>2022-09-20T21:44:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-contract/</loc>
		<lastmod>2022-09-20T21:44:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-card-fraud/</loc>
		<lastmod>2022-09-20T21:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit-card/</loc>
		<lastmod>2022-09-20T21:45:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/credit/</loc>
		<lastmod>2022-09-20T21:45:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/coupon-rate/</loc>
		<lastmod>2022-09-20T21:46:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/counterfeit-card/</loc>
		<lastmod>2022-09-20T21:46:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/corporate-bond/</loc>
		<lastmod>2022-09-20T21:47:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cooling-off-period/</loc>
		<lastmod>2022-09-20T21:47:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cookie/</loc>
		<lastmod>2022-09-20T21:48:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/conversion-rate-optimization-cro/</loc>
		<lastmod>2022-09-20T21:48:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/conversion-rate/</loc>
		<lastmod>2022-09-20T21:49:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/conversion-marketing/</loc>
		<lastmod>2022-09-20T22:21:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/conversion/</loc>
		<lastmod>2022-09-20T22:22:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/control-number/</loc>
		<lastmod>2022-09-20T22:22:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/contracts-for-difference-cfd/</loc>
		<lastmod>2022-09-20T22:22:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/consumer-price-index-cpi/</loc>
		<lastmod>2022-09-20T22:23:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/consumer-lease/</loc>
		<lastmod>2022-09-20T22:23:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/consumer-credit-insurance-cci/</loc>
		<lastmod>2022-09-20T22:23:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/conflict-of-interest/</loc>
		<lastmod>2022-09-20T22:23:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/condition-report/</loc>
		<lastmod>2022-09-20T22:24:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/condition-of-release/</loc>
		<lastmod>2022-09-20T22:24:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/comprehensive-insurance/</loc>
		<lastmod>2022-09-20T22:24:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/compound-interest/</loc>
		<lastmod>2022-09-20T22:25:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/compliance/</loc>
		<lastmod>2022-09-20T22:25:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/comparison-rate/</loc>
		<lastmod>2022-09-20T22:25:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/commutation/</loc>
		<lastmod>2022-09-20T22:25:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/commission/</loc>
		<lastmod>2022-09-20T22:26:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/commercial-paper-cp/</loc>
		<lastmod>2022-09-20T22:26:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/commercial-cards/</loc>
		<lastmod>2022-09-20T22:26:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/commerce-service-provider-csp/</loc>
		<lastmod>2022-09-20T22:27:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/collectables/</loc>
		<lastmod>2022-09-20T22:27:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/collateralised-debt-obligations-cdo/</loc>
		<lastmod>2022-09-20T22:28:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/collateral/</loc>
		<lastmod>2022-09-20T22:29:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cold-call/</loc>
		<lastmod>2022-09-20T22:29:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/code-of-authentification/</loc>
		<lastmod>2022-09-20T22:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/code-10-authorization/</loc>
		<lastmod>2022-09-20T22:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/co-contribution/</loc>
		<lastmod>2022-09-20T22:30:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/co-borrower/</loc>
		<lastmod>2022-09-20T22:30:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cloud/</loc>
		<lastmod>2022-09-20T22:30:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/closing/</loc>
		<lastmod>2022-09-20T22:31:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/lvr/</loc>
		<lastmod>2022-09-20T22:31:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/close/</loc>
		<lastmod>2022-09-20T22:31:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/low-doc-loan/</loc>
		<lastmod>2022-09-20T22:32:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/locked-phone/</loc>
		<lastmod>2022-09-20T22:32:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/click-rate/</loc>
		<lastmod>2022-09-20T22:32:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/lockbox/</loc>
		<lastmod>2022-09-20T22:32:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/loc-letter-of-credit/</loc>
		<lastmod>2022-09-20T22:33:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/clearout/</loc>
		<lastmod>2022-09-20T22:33:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/loan-to-value-ratio-lvr/</loc>
		<lastmod>2022-09-20T22:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/loan-consolidation/</loc>
		<lastmod>2022-09-20T22:34:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/listed-property-trust/</loc>
		<lastmod>2022-09-20T22:34:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/clearing/</loc>
		<lastmod>2022-09-20T22:36:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/line-of-credit/</loc>
		<lastmod>2022-09-20T22:36:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ciphertext/</loc>
		<lastmod>2022-09-20T22:36:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cid/</loc>
		<lastmod>2022-09-20T22:36:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/limited-recourse-loan/</loc>
		<lastmod>2022-09-20T22:37:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/limit/</loc>
		<lastmod>2022-09-20T22:37:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/churning/</loc>
		<lastmod>2022-09-20T22:37:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/life-cover/</loc>
		<lastmod>2022-09-20T22:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/libor/</loc>
		<lastmod>2022-09-20T22:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/liability/</loc>
		<lastmod>2022-09-20T22:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/chips/</loc>
		<lastmod>2022-09-20T22:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/leverage/</loc>
		<lastmod>2022-09-20T22:40:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/level-iii-data/</loc>
		<lastmod>2022-09-20T22:40:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/level-ii-data/</loc>
		<lastmod>2022-09-20T22:41:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/level-i-data/</loc>
		<lastmod>2022-09-20T22:41:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/lenders-mortgage-insurance-lmi/</loc>
		<lastmod>2022-09-20T22:41:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/checkout-optimization/</loc>
		<lastmod>2022-09-20T22:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/leased-line/</loc>
		<lastmod>2022-09-20T22:42:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/lease/</loc>
		<lastmod>2022-09-20T22:42:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/lay-by/</loc>
		<lastmod>2022-09-20T22:42:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/check-verification/</loc>
		<lastmod>2022-09-20T22:47:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/landing-pages/</loc>
		<lastmod>2022-09-20T22:47:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/check-reader/</loc>
		<lastmod>2022-09-20T22:47:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/trustee-super-fund/</loc>
		<lastmod>2022-09-20T22:47:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/trustee/</loc>
		<lastmod>2022-09-20T22:48:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/check-guarantee/</loc>
		<lastmod>2022-09-20T22:48:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/travel-insurance/</loc>
		<lastmod>2022-09-20T22:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/transition-to-retirement-scheme/</loc>
		<lastmod>2022-09-20T22:48:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/transactional-processing/</loc>
		<lastmod>2022-09-20T22:49:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/transaction-fees/</loc>
		<lastmod>2022-09-20T22:49:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/transaction-fee/</loc>
		<lastmod>2022-09-20T22:49:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/check-digit-verification-mod-10-check/</loc>
		<lastmod>2022-09-20T22:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/transaction-date/</loc>
		<lastmod>2022-09-20T22:50:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/check-conversion/</loc>
		<lastmod>2022-09-20T22:50:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/transaction-account/</loc>
		<lastmod>2022-09-20T22:50:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/transaction/</loc>
		<lastmod>2022-09-20T22:51:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/check-card/</loc>
		<lastmod>2022-09-20T22:51:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/traffic/</loc>
		<lastmod>2022-09-20T22:51:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/traffic-sources/</loc>
		<lastmod>2022-09-20T22:51:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/track-two/</loc>
		<lastmod>2022-09-20T22:52:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/track-one/</loc>
		<lastmod>2022-09-20T22:53:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/chargeback-reason-code/</loc>
		<lastmod>2022-09-20T22:53:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/tid/</loc>
		<lastmod>2022-09-20T22:53:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/third-party-processor/</loc>
		<lastmod>2022-09-20T22:54:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/chargeback-period/</loc>
		<lastmod>2022-09-20T22:54:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/third-party-fire-and-theft-insurance/</loc>
		<lastmod>2022-09-20T22:54:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/third-party-property-insurance/</loc>
		<lastmod>2022-09-20T22:54:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/thank-you-page-or-order-confirmation-page/</loc>
		<lastmod>2022-09-20T22:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/chargeback-fee/</loc>
		<lastmod>2022-09-20T22:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/chargeback/</loc>
		<lastmod>2022-09-20T22:55:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/terminal-provider/</loc>
		<lastmod>2022-09-20T22:56:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/terminal-identification-number-tid/</loc>
		<lastmod>2022-09-20T22:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/terminal-identification-tid-number/</loc>
		<lastmod>2022-09-20T22:56:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/terminal-capture-system-tcs/</loc>
		<lastmod>2022-09-20T22:56:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/chaps-clearing-house-automated-payment-system/</loc>
		<lastmod>2022-09-20T22:57:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/terminal-based/</loc>
		<lastmod>2022-09-20T22:57:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/term-deposit/</loc>
		<lastmod>2022-09-20T22:57:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cfd/</loc>
		<lastmod>2022-09-20T22:57:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/term/</loc>
		<lastmod>2022-09-20T22:58:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/tenants-in-common/</loc>
		<lastmod>2022-09-20T22:58:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cdpd/</loc>
		<lastmod>2022-09-20T23:08:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/tenancy/</loc>
		<lastmod>2022-09-20T23:08:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/telemarketing/</loc>
		<lastmod>2022-09-20T23:08:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/telecommunications-industry-ombudsman-tio/</loc>
		<lastmod>2022-09-20T23:09:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/tel/</loc>
		<lastmod>2022-09-20T23:09:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ccd/</loc>
		<lastmod>2022-09-20T23:09:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/tcs/</loc>
		<lastmod>2022-09-20T23:09:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/tax-free-threshold/</loc>
		<lastmod>2022-09-20T23:10:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/caveat/</loc>
		<lastmod>2022-09-20T23:10:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/taxation-risk/</loc>
		<lastmod>2022-09-20T23:10:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/tax-file-number/</loc>
		<lastmod>2022-09-20T23:11:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cash-rate/</loc>
		<lastmod>2022-09-20T23:11:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/takeover/</loc>
		<lastmod>2022-09-20T23:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/te-merchant/</loc>
		<lastmod>2022-09-20T23:11:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cash-out-facility/</loc>
		<lastmod>2022-09-20T23:12:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/te-cards/</loc>
		<lastmod>2022-09-20T23:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/yield/</loc>
		<lastmod>2022-09-20T23:12:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cash-management-account/</loc>
		<lastmod>2022-09-20T23:12:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/zero-floor-limit-2/</loc>
		<lastmod>2022-09-20T23:13:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/zba-zero-balance-account/</loc>
		<lastmod>2022-09-20T23:13:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cash-investments/</loc>
		<lastmod>2022-09-20T23:15:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cash-advance/</loc>
		<lastmod>2022-09-20T23:16:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/caseload/</loc>
		<lastmod>2022-09-20T23:16:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cart-shopping-cart/</loc>
		<lastmod>2022-09-20T23:16:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cart-abandonment/</loc>
		<lastmod>2022-09-20T23:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/user-interface-ui/</loc>
		<lastmod>2022-09-20T23:17:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cardholder-initiated-chargeback/</loc>
		<lastmod>2022-09-20T23:17:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/usability/</loc>
		<lastmod>2022-09-20T23:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/uplift/</loc>
		<lastmod>2022-09-20T23:18:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unsubscribe/</loc>
		<lastmod>2022-09-20T23:18:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cardholder-account-number/</loc>
		<lastmod>2022-09-20T23:18:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unsolicited-calls/</loc>
		<lastmod>2022-09-20T23:18:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unsecured-note/</loc>
		<lastmod>2022-09-20T23:19:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cardholder/</loc>
		<lastmod>2022-09-20T23:19:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/card-not-present/</loc>
		<lastmod>2022-09-20T23:19:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unsecured-loan/</loc>
		<lastmod>2022-09-20T23:20:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unlisted-property-trust/</loc>
		<lastmod>2022-09-20T23:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unlisted-mortgage-scheme/</loc>
		<lastmod>2022-09-20T23:20:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unit-price/</loc>
		<lastmod>2022-09-20T23:20:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unhedged/</loc>
		<lastmod>2022-09-20T23:21:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/card-reader/</loc>
		<lastmod>2022-09-20T23:22:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unencumbered/</loc>
		<lastmod>2022-09-20T23:22:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/underinsurance/</loc>
		<lastmod>2022-09-20T23:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/card-present/</loc>
		<lastmod>2022-09-20T23:23:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/unauthorized-transaction/</loc>
		<lastmod>2022-09-20T23:23:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/card-not-present-transactions/</loc>
		<lastmod>2022-09-20T23:23:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/card-identification-number-card-identifier-cid/</loc>
		<lastmod>2022-09-20T23:24:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/overdrawn-account/</loc>
		<lastmod>2022-09-20T23:24:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/card-association/</loc>
		<lastmod>2022-09-20T23:24:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/overdraft-facility/</loc>
		<lastmod>2022-09-20T23:24:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/order-form/</loc>
		<lastmod>2022-09-20T23:25:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capture/</loc>
		<lastmod>2022-09-20T23:25:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/option/</loc>
		<lastmod>2022-09-20T23:25:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capital-stable-fund/</loc>
		<lastmod>2022-09-20T23:26:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/optimization/</loc>
		<lastmod>2022-09-20T23:26:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/open-rate/</loc>
		<lastmod>2022-09-20T23:26:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capital-offense/</loc>
		<lastmod>2022-09-20T23:26:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/on-site-search/</loc>
		<lastmod>2022-09-20T23:27:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/on-site-abandonment-prevention/</loc>
		<lastmod>2022-09-20T23:27:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/on-site-abandonment/</loc>
		<lastmod>2022-09-20T23:27:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/online-transaction/</loc>
		<lastmod>2022-09-21T14:32:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capital-guarantee/</loc>
		<lastmod>2022-09-21T14:33:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/online-retail/</loc>
		<lastmod>2022-09-21T14:33:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/online-merchant-account/</loc>
		<lastmod>2022-09-21T14:33:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/online-merchant/</loc>
		<lastmod>2022-09-21T14:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/omni-channel-or-omni-channel-marketing/</loc>
		<lastmod>2022-09-21T14:34:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ok-number/</loc>
		<lastmod>2022-09-21T14:34:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capital-growth/</loc>
		<lastmod>2022-09-21T14:34:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/offset-account/</loc>
		<lastmod>2022-09-21T14:35:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/offline-transaction/</loc>
		<lastmod>2022-09-21T14:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/off-line-sale/</loc>
		<lastmod>2022-09-21T14:36:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/off-line-debit-card/</loc>
		<lastmod>2022-09-21T14:37:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/offline-debit/</loc>
		<lastmod>2022-09-21T14:37:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capital-gains-tax/</loc>
		<lastmod>2022-09-21T14:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/official-statement/</loc>
		<lastmod>2022-09-21T14:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capital-gain/</loc>
		<lastmod>2022-09-21T14:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/volatility/</loc>
		<lastmod>2022-09-21T14:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/voice-authorization/</loc>
		<lastmod>2022-09-21T14:39:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/visa-usa/</loc>
		<lastmod>2022-09-21T14:39:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/virtual-terminal/</loc>
		<lastmod>2022-09-21T14:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/vendor-finance/</loc>
		<lastmod>2022-09-21T14:40:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/variable-rate-home-loan/</loc>
		<lastmod>2022-09-21T14:41:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capital-depreciation/</loc>
		<lastmod>2022-09-21T14:41:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/variable-rate-demand-note-vrdn/</loc>
		<lastmod>2022-09-21T14:41:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/variable-interest-rate/</loc>
		<lastmod>2022-09-21T14:42:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/capital/</loc>
		<lastmod>2022-09-21T14:42:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/value-added-reseller-var/</loc>
		<lastmod>2022-09-21T14:42:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/valid-date/</loc>
		<lastmod>2022-09-21T14:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/cap/</loc>
		<lastmod>2022-09-21T14:43:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/call-to-action-cta/</loc>
		<lastmod>2022-09-21T14:43:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/wrap-account/</loc>
		<lastmod>2022-09-21T14:43:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/wishlists/</loc>
		<lastmod>2022-09-21T14:44:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/will/</loc>
		<lastmod>2022-09-21T14:45:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/wi-fi/</loc>
		<lastmod>2022-09-21T14:45:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/web/</loc>
		<lastmod>2022-09-21T14:45:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/warranty/</loc>
		<lastmod>2022-09-21T14:46:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/warrant/</loc>
		<lastmod>2022-09-21T14:46:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/call-center/</loc>
		<lastmod>2022-09-21T14:46:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/quasi-cash-purchase/</loc>
		<lastmod>2022-09-21T14:46:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/qualified-rate/</loc>
		<lastmod>2022-09-21T14:47:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/qualification-level/</loc>
		<lastmod>2022-09-21T14:51:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/protocol/</loc>
		<lastmod>2022-09-21T14:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/processor/</loc>
		<lastmod>2022-09-21T14:52:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/processing-fees/</loc>
		<lastmod>2022-09-21T14:52:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/private-label-card/</loc>
		<lastmod>2022-09-21T14:53:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/presentment-currency/</loc>
		<lastmod>2022-09-21T14:53:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ppd/</loc>
		<lastmod>2022-09-21T14:53:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/posting/</loc>
		<lastmod>2022-09-21T14:53:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/pin/</loc>
		<lastmod>2022-09-21T14:53:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/pick-up-card/</loc>
		<lastmod>2022-09-21T14:54:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/personal-identification-number-pin/</loc>
		<lastmod>2022-09-21T14:54:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/nsf-not-sufficient-funds/</loc>
		<lastmod>2022-09-21T14:54:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/no-show/</loc>
		<lastmod>2022-09-21T14:54:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/non-recourse-loan/</loc>
		<lastmod>2022-09-21T14:55:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/non-qualified-rate/</loc>
		<lastmod>2022-09-21T14:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/non-commutable-income-stream/</loc>
		<lastmod>2022-09-21T14:55:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/non-binding-nomination/</loc>
		<lastmod>2022-09-21T14:55:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/non-face-to-face-transaction/</loc>
		<lastmod>2022-09-21T14:55:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/no-interest-loans-scheme-nils/</loc>
		<lastmod>2022-09-21T14:56:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/no-negative-equity-guarantee-nneg/</loc>
		<lastmod>2022-09-21T14:57:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/network/</loc>
		<lastmod>2022-09-21T14:57:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/net-worth/</loc>
		<lastmod>2022-09-21T14:57:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/negative-gearing/</loc>
		<lastmod>2022-09-21T14:58:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/nacha/</loc>
		<lastmod>2022-09-21T14:58:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/joint-tenants/</loc>
		<lastmod>2022-09-21T14:58:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/joint-account/</loc>
		<lastmod>2022-09-21T14:58:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/issuer/</loc>
		<lastmod>2022-09-21T14:59:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/hybrid-security/</loc>
		<lastmod>2022-09-21T14:59:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/host-capture-system-hcs/</loc>
		<lastmod>2022-09-21T14:59:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/honeymoon-or-introductory-interest-rate/</loc>
		<lastmod>2022-09-21T14:59:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/hologram/</loc>
		<lastmod>2022-09-21T15:00:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/hedged/</loc>
		<lastmod>2022-09-21T15:00:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/hedge-fund/</loc>
		<lastmod>2022-09-21T15:00:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/hcs/</loc>
		<lastmod>2022-09-21T15:00:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/hard-decline/</loc>
		<lastmod>2022-09-21T15:00:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/guarantor/</loc>
		<lastmod>2022-09-21T15:01:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/gtm-google-tag-manager/</loc>
		<lastmod>2022-09-21T15:01:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/growth-fund/</loc>
		<lastmod>2022-09-21T15:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/growth-asset/</loc>
		<lastmod>2022-09-21T15:01:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/government-co-contribution/</loc>
		<lastmod>2022-09-21T15:03:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/government-bond/</loc>
		<lastmod>2022-09-21T15:03:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/google-analytics/</loc>
		<lastmod>2022-09-21T15:04:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/good-faith/</loc>
		<lastmod>2022-09-21T15:04:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/gift-card/</loc>
		<lastmod>2022-09-21T15:04:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/gearing/</loc>
		<lastmod>2022-09-21T15:04:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/gateway/</loc>
		<lastmod>2022-09-21T15:05:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ga-tags-google-analytics-tags/</loc>
		<lastmod>2022-09-21T15:05:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/expiration-date/</loc>
		<lastmod>2022-09-21T15:05:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/exceeded-timeliness/</loc>
		<lastmod>2022-09-21T15:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/entitlement/</loc>
		<lastmod>2022-09-21T15:05:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/encryption/</loc>
		<lastmod>2022-09-21T15:06:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/duality/</loc>
		<lastmod>2022-09-21T15:06:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/display/</loc>
		<lastmod>2022-09-21T15:06:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/discount-rate/</loc>
		<lastmod>2022-09-21T15:06:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/direct-response/</loc>
		<lastmod>2022-09-21T15:06:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/dip-switches/</loc>
		<lastmod>2022-09-21T15:07:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/digital-certificate/</loc>
		<lastmod>2022-09-21T15:07:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/dial-up-terminal/</loc>
		<lastmod>2022-09-21T15:07:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/demand-deposit-account-dda/</loc>
		<lastmod>2022-09-21T15:07:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/decline/</loc>
		<lastmod>2022-09-21T15:08:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/debit-switch/</loc>
		<lastmod>2022-09-21T15:08:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/debit-card/</loc>
		<lastmod>2022-09-21T15:09:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/buyer-persona/</loc>
		<lastmod>2022-09-21T15:09:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/business-to-consumer-b2c/</loc>
		<lastmod>2022-09-21T15:09:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/business-card/</loc>
		<lastmod>2022-09-21T15:09:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/building-society/</loc>
		<lastmod>2022-09-21T15:10:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bsb/</loc>
		<lastmod>2022-09-21T15:10:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/browser/</loc>
		<lastmod>2022-09-21T15:10:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/browse-abandonment/</loc>
		<lastmod>2022-09-21T15:10:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/browse/</loc>
		<lastmod>2022-09-21T15:10:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/brokerage/</loc>
		<lastmod>2022-09-21T15:11:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/broker/</loc>
		<lastmod>2022-09-21T15:11:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/brick-and-mortar-business/</loc>
		<lastmod>2022-09-21T15:11:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bounce-rate/</loc>
		<lastmod>2022-09-21T15:11:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/blue-chip-share/</loc>
		<lastmod>2022-09-21T15:11:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bisynchronous-communication/</loc>
		<lastmod>2022-09-21T15:12:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/binding-death-benefit-nomination/</loc>
		<lastmod>2022-09-21T15:12:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/big-data/</loc>
		<lastmod>2022-09-21T15:12:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/beneficiary/</loc>
		<lastmod>2022-09-21T15:13:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/benchmark/</loc>
		<lastmod>2022-09-21T15:13:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/behavioral-email-marketing/</loc>
		<lastmod>2022-09-21T15:13:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/behavior-profile/</loc>
		<lastmod>2022-09-21T15:14:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/baud-rate/</loc>
		<lastmod>2022-09-21T15:14:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/batch-processing/</loc>
		<lastmod>2022-09-21T15:14:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/batch-deposit/</loc>
		<lastmod>2022-09-21T15:15:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/batch/</loc>
		<lastmod>2022-09-21T15:15:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/basket-segmentation/</loc>
		<lastmod>2022-09-21T15:15:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bankruptcy/</loc>
		<lastmod>2022-09-21T15:15:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bankcard/</loc>
		<lastmod>2022-09-21T15:15:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bank-statement/</loc>
		<lastmod>2022-09-21T15:16:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bank-reference-letter/</loc>
		<lastmod>2022-09-21T15:16:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bank-identification-number-bin/</loc>
		<lastmod>2022-09-21T15:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bank-card/</loc>
		<lastmod>2022-09-21T15:17:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bank-bill-swap-rate-bbsw/</loc>
		<lastmod>2022-09-21T15:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/balance-fund/</loc>
		<lastmod>2022-09-21T15:17:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/balance-sheet/</loc>
		<lastmod>2022-09-21T15:17:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bail/</loc>
		<lastmod>2022-09-21T15:17:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/bai-bank-administration-institute/</loc>
		<lastmod>2022-09-21T15:18:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/back-end-processor/</loc>
		<lastmod>2022-09-21T15:18:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/back-end-network/</loc>
		<lastmod>2022-09-21T15:19:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/award/</loc>
		<lastmod>2022-09-21T15:19:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/average-ticket/</loc>
		<lastmod>2022-09-21T15:19:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/average-monthly-volume/</loc>
		<lastmod>2022-09-21T15:19:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/auto-representment/</loc>
		<lastmod>2022-09-21T15:20:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorization-response-code/</loc>
		<lastmod>2022-09-21T15:20:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorization-response/</loc>
		<lastmod>2022-09-21T15:20:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorization-request/</loc>
		<lastmod>2022-09-21T15:20:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorization-only-auth-only/</loc>
		<lastmod>2022-09-21T15:21:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorization-fee/</loc>
		<lastmod>2022-09-21T15:21:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorization-code/</loc>
		<lastmod>2022-09-21T15:21:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorization-approval-code/</loc>
		<lastmod>2022-09-21T15:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorization/</loc>
		<lastmod>2022-09-21T15:21:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authorised-deposit-taking-institution-adi/</loc>
		<lastmod>2022-09-21T15:22:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/b2b/</loc>
		<lastmod>2022-09-21T15:22:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/authentication/</loc>
		<lastmod>2022-09-21T15:22:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/australian-securities-exchange-asx/</loc>
		<lastmod>2022-09-21T15:22:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/australian-securities-and-investments-commission-asic/</loc>
		<lastmod>2022-09-21T15:22:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/australian-prudential-regulation-authority-apra/</loc>
		<lastmod>2022-09-21T15:23:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/australian-government-guarantee-on-deposits/</loc>
		<lastmod>2022-09-21T15:23:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/australian-financial-services-licence-afsl/</loc>
		<lastmod>2022-09-21T15:24:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/atm-debit-card/</loc>
		<lastmod>2022-09-21T15:24:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/atm-machine/</loc>
		<lastmod>2022-09-21T15:24:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/at-call/</loc>
		<lastmod>2022-09-21T15:24:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/asynchronous/</loc>
		<lastmod>2022-09-21T15:25:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/associations/</loc>
		<lastmod>2022-09-21T15:25:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/asset-manager/</loc>
		<lastmod>2022-09-21T15:25:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/asset-class/</loc>
		<lastmod>2022-09-21T15:25:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/asset-allocation/</loc>
		<lastmod>2022-09-21T15:26:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/asset/</loc>
		<lastmod>2022-09-21T15:26:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/arbitration/</loc>
		<lastmod>2022-09-21T15:26:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/approval-response/</loc>
		<lastmod>2022-09-21T15:26:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/application-service-provider-asp/</loc>
		<lastmod>2022-09-21T15:26:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/annuity/</loc>
		<lastmod>2022-09-21T15:26:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/american-express/</loc>
		<lastmod>2022-09-21T15:27:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/american-bankers-association/</loc>
		<lastmod>2022-09-21T15:27:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/altered-card/</loc>
		<lastmod>2022-09-21T15:27:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/allocated-pension/</loc>
		<lastmod>2022-09-21T15:27:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/agribusiness-scheme/</loc>
		<lastmod>2022-09-21T15:27:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/agreed-value/</loc>
		<lastmod>2022-09-21T15:28:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/aggressive-investment-mix/</loc>
		<lastmod>2022-09-21T15:29:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/aggregated-account/</loc>
		<lastmod>2022-09-21T15:29:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/age-pension/</loc>
		<lastmod>2022-09-21T15:29:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/after-tax-super-contribution/</loc>
		<lastmod>2022-09-21T15:30:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/afsl/</loc>
		<lastmod>2022-09-21T15:30:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/affiliate-marketing/</loc>
		<lastmod>2022-09-21T15:30:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/affiliate-links/</loc>
		<lastmod>2022-09-21T15:30:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/affiliate/</loc>
		<lastmod>2022-09-21T15:30:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/advanced-programming-interface-api/</loc>
		<lastmod>2022-09-21T15:31:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/advance-fee-fraud/</loc>
		<lastmod>2022-09-21T15:31:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/adjustment/</loc>
		<lastmod>2022-09-21T15:31:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/address-verification-services-avs/</loc>
		<lastmod>2022-09-21T15:31:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ad-targeting/</loc>
		<lastmod>2022-09-21T15:32:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/actively-managed/</loc>
		<lastmod>2022-09-21T15:32:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/active-judge/</loc>
		<lastmod>2022-09-21T15:32:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/active-investment-management/</loc>
		<lastmod>2022-09-21T15:32:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/actionable-data/</loc>
		<lastmod>2022-09-21T15:32:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/acquittal/</loc>
		<lastmod>2022-09-21T15:33:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/acquiring-bank/</loc>
		<lastmod>2022-09-21T15:33:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/acquirer/</loc>
		<lastmod>2022-09-21T15:34:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/ach/</loc>
		<lastmod>2022-09-21T15:34:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/accumulation-index/</loc>
		<lastmod>2022-09-21T15:34:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/accumulation-fund/</loc>
		<lastmod>2022-09-21T15:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/accounts-receivable-conversion-arc/</loc>
		<lastmod>2022-09-21T15:35:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/account-number/</loc>
		<lastmod>2022-09-21T15:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/account-balance/</loc>
		<lastmod>2022-09-21T15:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/account/</loc>
		<lastmod>2022-09-21T15:36:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/abandoned-cart-emails/</loc>
		<lastmod>2022-09-21T15:36:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/aba-routing-number/</loc>
		<lastmod>2022-09-21T15:36:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/aba-american-bankers-association/</loc>
		<lastmod>2022-09-21T15:36:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://merchantstronghold.com/glossary/a-b-split-marketing-or-a-b-testing/</loc>
		<lastmod>2022-09-21T15:36:50+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->