<?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://japanlaw.org/en/payment-services-act</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/about</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/about" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/about" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/about" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/about</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/about" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/about" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/about" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/amendments</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/amendments" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/amendments" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/amendments" />
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/amendments</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/amendments" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/amendments" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/amendments" />
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/full-text</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/full-text" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/full-text" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/full-text" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/full-text</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/full-text" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/full-text" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/full-text" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/glossary/payment-services-act</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/glossary/payment-services-act" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/glossary/payment-services-act" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/glossary/payment-services-act" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/glossary/payment-services-act</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/glossary/payment-services-act" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/glossary/payment-services-act" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/glossary/payment-services-act" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/amendments/20270401_508AC0000000064</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/amendments/20270401_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/amendments/20270401_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/amendments/20270401_508AC0000000064" />
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/amendments/20270401_508AC0000000064</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/amendments/20270401_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/amendments/20270401_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/amendments/20270401_508AC0000000064" />
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/amendments/20270722_508AC0000000064</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/amendments/20270722_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/amendments/20270722_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/amendments/20270722_508AC0000000064" />
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/amendments/20270722_508AC0000000064</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/amendments/20270722_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/amendments/20270722_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/amendments/20270722_508AC0000000064" />
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/amendments/20280101_508AC0000000064</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/amendments/20280101_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/amendments/20280101_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/amendments/20280101_508AC0000000064" />
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/amendments/20280101_508AC0000000064</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/amendments/20280101_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/amendments/20280101_508AC0000000064" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/amendments/20280101_508AC0000000064" />
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-1</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-1" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-1" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-1" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-1</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-1" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-1" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-1" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-3-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-3-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-3-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-3-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-3-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-3-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-3-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-3-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-3-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-3-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-3-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-3-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-3-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-3-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-3-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-3-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-3-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-3-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-3-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-3-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-3-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-3-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-3-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-3-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-4-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-4-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-4-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-4-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-4-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-4-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-4-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-4-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/ch-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/ch-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/ch-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/ch-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/ch-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-1</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-1" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-1" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-1" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-1</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-1" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-1" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-1" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-2-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-2-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-2-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-2-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-2-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-2-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-2-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-2-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-9</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-9" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-9" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-9" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-9</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-9" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-9" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-9" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-10</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-10" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-10" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-10" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-10</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-10" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-10" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-10" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-11</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-11" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-11" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-11" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-11</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-11" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-11" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-11" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-11-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-11-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-11-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-11-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-11-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-11-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-11-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-11-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-12</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-12" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-12" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-12" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-12</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-12" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-12" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-12" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-13</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-13" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-13" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-13" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-13</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-13" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-13" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-13" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-14</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-14" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-14" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-14" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-14</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-14" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-14" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-14" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-15</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-15" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-15" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-15" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-15</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-15" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-15" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-15" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-16</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-16" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-16" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-16" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-16</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-16" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-16" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-16" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-17</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-17" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-17" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-17" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-17</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-17" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-17" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-17" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-18</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-18" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-18" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-18" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-18</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-18" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-18" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-18" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-19</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-19" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-19" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-19" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-19</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-19" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-19" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-19" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-20</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-20" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-20" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-20" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-20</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-20" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-20" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-20" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-21</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-21" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-21" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-21" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-21</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-21" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-21" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-21" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-21-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-21-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-21-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-21-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-21-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-21-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-21-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-21-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-21-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-21-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-21-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-21-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-21-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-21-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-21-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-21-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-22</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-22" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-22" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-22" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-22</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-22" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-22" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-22" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-23</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-23" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-23" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-23" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-23</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-23" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-23" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-23" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-24</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-24" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-24" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-24" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-24</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-24" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-24" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-24" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-25</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-25" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-25" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-25" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-25</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-25" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-25" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-25" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-26</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-26" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-26" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-26" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-26</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-26" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-26" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-26" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-27</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-27" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-27" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-27" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-27</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-27" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-27" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-27" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-28</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-28" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-28" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-28" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-28</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-28" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-28" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-28" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-29</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-29" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-29" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-29" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-29</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-29" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-29" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-29" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-29-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-29-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-29-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-29-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-29-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-29-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-29-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-29-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-30</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-30" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-30" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-30" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-30</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-30" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-30" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-30" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-31</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-31" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-31" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-31" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-31</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-31" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-31" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-31" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-32</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-32" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-32" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-32" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-32</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-32" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-32" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-32" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-33</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-33" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-33" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-33" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-33</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-33" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-33" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-33" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-34</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-34" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-34" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-34" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-34</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-34" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-34" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-34" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-35</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-35" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-35" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-35" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-35</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-35" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-35" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-35" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-36</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-36" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-36" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-36" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-36</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-36" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-36" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-36" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-36-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-36-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-36-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-36-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-36-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-36-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-36-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-36-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-37</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-37" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-37" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-37" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-37</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-37" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-37" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-37" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-37-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-37-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-37-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-37-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-37-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-37-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-37-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-37-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-38</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-38" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-38" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-38" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-38</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-38" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-38" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-38" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-39</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-39" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-39" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-39" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-39</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-39" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-39" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-39" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-40</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-40" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-40" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-40" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-40</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-40" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-40" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-40" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-40-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-40-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-40-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-40-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-40-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-40-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-40-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-40-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-41</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-41" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-41" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-41" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-41</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-41" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-41" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-41" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-42</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-42" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-42" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-42" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-42</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-42" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-42" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-42" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-43</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-43" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-43" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-43" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-43</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-43" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-43" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-43" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-44</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-44" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-44" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-44" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-44</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-44" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-44" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-44" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-45</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-45</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-45-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-45-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-45-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-45-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-45-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-45-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-45-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-45-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-45-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-45-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-45-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-46</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-46" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-46" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-46" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-46</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-46" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-46" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-46" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-47</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-47" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-47" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-47" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-47</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-47" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-47" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-47" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-48</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-48" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-48" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-48" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-48</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-48" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-48" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-48" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-49</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-49" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-49" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-49" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-49</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-49" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-49" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-49" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-50</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-50" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-50" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-50" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-50</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-50" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-50" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-50" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-51</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-51" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-51" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-51" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-51</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-51" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-51" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-51" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-51-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-51-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-51-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-51-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-51-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-51-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-51-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-51-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-51-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-51-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-51-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-51-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-51-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-51-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-51-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-51-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-51-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-51-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-51-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-51-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-51-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-51-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-51-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-51-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-52</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-52" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-52" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-52" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-52</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-52" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-52" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-52" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-53</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-53" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-53" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-53" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-53</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-53" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-53" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-53" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-54</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-54" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-54" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-54" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-54</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-54" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-54" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-54" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-55</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-55" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-55" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-55" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-55</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-55" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-55" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-55" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-56</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-56" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-56" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-56" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-56</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-56" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-56" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-56" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-57</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-57" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-57" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-57" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-57</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-57" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-57" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-57" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-58</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-58" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-58" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-58" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-58</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-58" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-58" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-58" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-58-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-58-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-58-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-58-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-58-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-58-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-58-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-58-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-59</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-59" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-59" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-59" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-59</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-59" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-59" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-59" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-60</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-60" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-60" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-60" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-60</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-60" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-60" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-60" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-61</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-61" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-61" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-61" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-61</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-61" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-61" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-61" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-9</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-9" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-9" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-9" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-9</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-9" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-9" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-9" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-10</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-10" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-10" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-10" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-10</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-10" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-10" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-10" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-11</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-11" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-11" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-11" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-11</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-11" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-11" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-11" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-12</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-12" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-12" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-12" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-12</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-12" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-12" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-12" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-13</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-13" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-13" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-13" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-13</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-13" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-13" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-13" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-14</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-14" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-14" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-14" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-14</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-14" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-14" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-14" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-15</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-15" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-15" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-15" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-15</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-15" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-15" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-15" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-16</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-16" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-16" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-16" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-16</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-16" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-16" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-16" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-17</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-17" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-17" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-17" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-17</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-17" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-17" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-17" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-18</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-18" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-18" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-18" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-18</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-18" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-18" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-18" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-19</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-19" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-19" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-19" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-19</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-19" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-19" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-19" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-20</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-20" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-20" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-20" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-20</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-20" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-20" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-20" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-21</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-21" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-21" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-21" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-21</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-21" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-21" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-21" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-21-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-21-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-21-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-21-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-21-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-21-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-21-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-21-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-22</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-22" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-22" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-22" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-22</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-22" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-22" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-22" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-23</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-23" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-23" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-23" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-23</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-23" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-23" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-23" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-24</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-24" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-24" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-24" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-24</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-24" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-24" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-24" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-25</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-25" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-25" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-25" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-25</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-25" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-25" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-25" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-62-26</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-26" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-26" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-26" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-62-26</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-62-26" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-62-26" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-62-26" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-9</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-9" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-9" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-9" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-9</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-9" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-9" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-9" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-9-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-9-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-9-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-9-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-9-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-9-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-9-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-9-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-9-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-9-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-9-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-9-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-9-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-9-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-9-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-9-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-10</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-10" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-10" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-10" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-10</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-10" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-10" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-10" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-11</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-11" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-11" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-11" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-11</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-11" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-11" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-11" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-11-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-11-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-11-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-11-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-11-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-11-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-11-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-11-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-12</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-12" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-12" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-12" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-12</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-12" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-12" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-12" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-13</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-13" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-13" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-13" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-13</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-13" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-13" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-13" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-14</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-14" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-14" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-14" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-14</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-14" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-14" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-14" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-15</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-15" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-15" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-15" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-15</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-15" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-15" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-15" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-16</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-16" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-16" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-16" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-16</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-16" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-16" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-16" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-16-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-16-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-16-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-16-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-16-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-16-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-16-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-16-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-17</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-17" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-17" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-17" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-17</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-17" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-17" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-17" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-18</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-18" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-18" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-18" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-18</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-18" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-18" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-18" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-19</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-19" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-19" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-19" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-19</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-19" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-19" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-19" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-19-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-19-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-19-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-19-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-19-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-19-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-19-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-19-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-19-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-19-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-19-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-19-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-19-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-19-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-19-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-19-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-20</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-20" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-20" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-20" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-20</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-20" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-20" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-20" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-21</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-21" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-21" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-21" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-21</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-21" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-21" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-21" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-2</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-2" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-2" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-2" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-3</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-3" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-3" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-3" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-4</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-4" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-4" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-4" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-5</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-5" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-5" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-5" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-6</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-6" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-6" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-6" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-7</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-7" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-7" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-7" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-8</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-8" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-8" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-8" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-9</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-9" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-9" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-9" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-9</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-9" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-9" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-9" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-10</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-10" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-10" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-10" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-10</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-10" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-10" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-10" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-11</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-11" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-11" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-11" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-11</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-11" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-11" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-11" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-12</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-12" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-12" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-12" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-12</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-12" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-12" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-12" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-13</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-13" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-13" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-13" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-13</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-13" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-13" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-13" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-14</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-14" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-14" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-14" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-14</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-14" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-14" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-14" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-15</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-15" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-15" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-15" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-15</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-15" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-15" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-15" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-16</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-16" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-16" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-16" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-16</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-16" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-16" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-16" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-17</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-17" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-17" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-17" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-17</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-17" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-17" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-17" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-18</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-18" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-18" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-18" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-18</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-18" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-18" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-18" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-19</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-19" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-19" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-19" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-19</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-19" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-19" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-19" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-20</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-20" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-20" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-20" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-20</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-20" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-20" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-20" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-21</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-21" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-21" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-21" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-21</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-21" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-21" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-21" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-22</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-22" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-22" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-22" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-22</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-22" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-22" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-22" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-23</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-23" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-23" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-23" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-23</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-23" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-23" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-23" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-24</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-24" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-24" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-24" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-24</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-24" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-24" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-24" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-22-25</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-25" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-25" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-25" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-22-25</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-22-25" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-22-25" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-22-25" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-23</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-23" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-23" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-23" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-23</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-23" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-23" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-23" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-24</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-24" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-24" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-24" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-24</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-24" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-24" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-24" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-25</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-25" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-25" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-25" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-25</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-25" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-25" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-25" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-26</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-26" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-26" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-26" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-26</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-26" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-26" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-26" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-27</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-27" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-27" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-27" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-27</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-27" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-27" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-27" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-28</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-28" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-28" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-28" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-28</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-28" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-28" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-28" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-29</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-29" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-29" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-29" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-29</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-29" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-29" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-29" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-30</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-30" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-30" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-30" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-30</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-30" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-30" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-30" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-31</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-31" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-31" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-31" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-31</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-31" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-31" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-31" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-32</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-32" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-32" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-32" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-32</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-32" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-32" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-32" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-33</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-33" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-33" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-33" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-33</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-33" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-33" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-33" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-34</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-34" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-34" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-34" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-34</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-34" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-34" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-34" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-35</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-35" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-35" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-35" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-35</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-35" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-35" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-35" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-36</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-36" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-36" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-36" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-36</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-36" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-36" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-36" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-37</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-37" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-37" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-37" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-37</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-37" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-37" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-37" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-38</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-38" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-38" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-38" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-38</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-38" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-38" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-38" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-39</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-39" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-39" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-39" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-39</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-39" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-39" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-39" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-40</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-40" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-40" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-40" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-40</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-40" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-40" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-40" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-41</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-41" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-41" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-41" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-41</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-41" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-41" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-41" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-63-42</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-42" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-42" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-42" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-63-42</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-63-42" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-63-42" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-63-42" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-64</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-64" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-64" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-64" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-64</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-64" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-64" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-64" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-65</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-65" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-65" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-65" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-65</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-65" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-65" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-65" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-66</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-66" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-66" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-66" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-66</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-66" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-66" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-66" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-67</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-67" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-67" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-67" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-67</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-67" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-67" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-67" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-68</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-68" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-68" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-68" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-68</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-68" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-68" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-68" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-69</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-69" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-69" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-69" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-69</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-69" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-69" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-69" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-70</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-70" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-70" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-70" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-70</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-70" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-70" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-70" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-71</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-71" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-71" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-71" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-71</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-71" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-71" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-71" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-72</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-72" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-72" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-72" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-72</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-72" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-72" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-72" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-73</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-73" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-73" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-73" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-73</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-73" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-73" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-73" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-74</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-74" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-74" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-74" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-74</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-74" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-74" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-74" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-75</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-75" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-75" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-75" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-75</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-75" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-75" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-75" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-76</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-76" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-76" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-76" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-76</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-76" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-76" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-76" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-77</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-77" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-77" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-77" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-77</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-77" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-77" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-77" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-78</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-78" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-78" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-78" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-78</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-78" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-78" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-78" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-79</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-79" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-79" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-79" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-79</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-79" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-79" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-79" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-80</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-80" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-80" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-80" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-80</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-80" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-80" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-80" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-81</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-81" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-81" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-81" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-81</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-81" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-81" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-81" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-82</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-82" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-82" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-82" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-82</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-82" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-82" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-82" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-83</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-83" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-83" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-83" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-83</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-83" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-83" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-83" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-84</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-84" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-84" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-84" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-84</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-84" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-84" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-84" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-85</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-85" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-85" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-85" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-85</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-85" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-85" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-85" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-86</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-86" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-86" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-86" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-86</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-86" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-86" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-86" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-87</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-87" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-87" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-87" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-87</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-87" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-87" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-87" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-88</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-88" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-88" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-88" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-88</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-88" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-88" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-88" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-89</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-89" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-89" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-89" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-89</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-89" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-89" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-89" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-90</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-90" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-90" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-90" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-90</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-90" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-90" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-90" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-91</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-91" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-91" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-91" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-91</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-91" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-91" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-91" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-92</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-92" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-92" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-92" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-92</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-92" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-92" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-92" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-93</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-93" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-93" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-93" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-93</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-93" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-93" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-93" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-94</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-94" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-94" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-94" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-94</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-94" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-94" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-94" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-95</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-95" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-95" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-95" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-95</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-95" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-95" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-95" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-96</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-96" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-96" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-96" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-96</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-96" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-96" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-96" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-97</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-97" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-97" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-97" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-97</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-97" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-97" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-97" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-98</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-98" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-98" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-98" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-98</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-98" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-98" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-98" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-99</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-99" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-99" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-99" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-99</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-99" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-99" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-99" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-100</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-100" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-100" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-100" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-100</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-100" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-100" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-100" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-101</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-101" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-101" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-101" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-101</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-101" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-101" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-101" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-102</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-102" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-102" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-102" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-102</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-102" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-102" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-102" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-103</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-103" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-103" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-103" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-103</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-103" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-103" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-103" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-104</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-104" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-104" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-104" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-104</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-104" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-104" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-104" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-105</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-105" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-105" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-105" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-105</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-105" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-105" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-105" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-106</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-106" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-106" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-106" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-106</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-106" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-106" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-106" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-107</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-107" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-107" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-107" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-107</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-107" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-107" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-107" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-108</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-108" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-108" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-108" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-108</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-108" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-108" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-108" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-109</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-109" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-109" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-109" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-109</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-109" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-109" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-109" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-110</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-110" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-110" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-110" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-110</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-110" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-110" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-110" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-111</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-111" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-111" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-111" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-111</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-111" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-111" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-111" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-112</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-112" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-112" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-112" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-112</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-112" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-112" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-112" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-113</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-113" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-113" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-113" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-113</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-113" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-113" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-113" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-114</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-114" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-114" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-114" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-114</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-114" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-114" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-114" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-115</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-115" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-115" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-115" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-115</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-115" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-115" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-115" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-116</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-116" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-116" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-116" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-116</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-116" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-116" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-116" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-117</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-117" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-117" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-117" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-117</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-117" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-117" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-117" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/art-118</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-118" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-118" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-118" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/art-118</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/art-118" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/art-118" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/art-118" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-4211-59</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4211-59" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4211-59" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4211-59" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-4211-59</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4211-59" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4211-59" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4211-59" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-4211-58</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4211-58" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4211-58" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4211-58" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-4211-58</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4211-58" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4211-58" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4211-58" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-4261-91</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4261-91" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4261-91" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4261-91" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-4261-91</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4261-91" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4261-91" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4261-91" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-4281-62</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4281-62" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4281-62" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4281-62" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-4281-62</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4281-62" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4281-62" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4281-62" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-4291-49</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4291-49" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4291-49" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4291-49" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-4291-49</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-4291-49" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-4291-49" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-4291-49" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5011-28</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5011-28" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5011-28" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5011-28" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5011-28</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5011-28" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5011-28" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5011-28" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5011-37</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5011-37" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5011-37" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5011-37" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5011-37</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5011-37" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5011-37" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5011-37" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5021-50</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5021-50" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5021-50" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5021-50" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5021-50</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5021-50" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5021-50" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5021-50" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5041-61</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5041-61" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5041-61" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5041-61" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5041-61</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5041-61" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5041-61" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5041-61" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5041-68</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5041-68" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5041-68" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5041-68" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5041-68</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5041-68" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5041-68" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5041-68" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5041-97</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5041-97" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5041-97" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5041-97" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5041-97</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5041-97" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5041-97" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5041-97" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5051-79</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5051-79" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5051-79" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5051-79" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5051-79</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5051-79" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5051-79" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5051-79" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5071-66</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5071-66" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5071-66" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5071-66" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5071-66</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5071-66" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5071-66" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5071-66" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/en/payment-services-act/suppl-5081-64</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5081-64" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5081-64" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5081-64" />
<lastmod>2026-10-13</lastmod>
</url>
<url>
<loc>https://japanlaw.org/ja/payment-services-act/suppl-5081-64</loc>
<xhtml:link rel="alternate" hreflang="en" href="https://japanlaw.org/en/payment-services-act/suppl-5081-64" />
<xhtml:link rel="alternate" hreflang="ja" href="https://japanlaw.org/ja/payment-services-act/suppl-5081-64" />
<xhtml:link rel="alternate" hreflang="x-default" href="https://japanlaw.org/en/payment-services-act/suppl-5081-64" />
<lastmod>2026-10-13</lastmod>
</url>
</urlset>
