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  <!-- ══ pennapay.com — marketing + acquisition ══ -->
  <!-- NOTE: This sitemap is served from pennapay.com and therefore lists ONLY
       pennapay.com URLs. pennasystems.com URLs live in sitemap-pennasystems.xml
       and must be submitted from pennasystems.com (cross-domain entries here are
       ignored by Google per the Sitemaps protocol). -->

  <!-- Marketing pages: EN-only for now. DA hreflang intentionally omitted — these have no
       Danish file in production (Cloudflare soft-200s /da/<path> back to the English page),
       so declaring a da alternate would be a broken/wrong-language signal. Re-add per page
       when real Danish versions ship. -->

  <url>
    <loc>https://pennapay.com/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <url>
    <loc>https://pennapay.com/pricing.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://pennapay.com/faq.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://pennapay.com/for-freelancers</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/about</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://pennapay.com/contact</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <url>
    <loc>https://pennapay.com/changelog</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoicing-for-photographers</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoicing-for-illustrators</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoicing-for-tattoo-artists</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoicing-for-music-producers</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://pennapay.com/create.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>


  <!-- Invoice templates — master hub + category hubs -->
  <url>
    <loc>https://pennapay.com/invoice-templates.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-templates-creative.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-templates-photography.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-templates-music.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-templates-consulting.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-templates-tech.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-templates-events-spaces.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-templates-body-art.html</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>


  <!-- Invoice template pages (all have DA translations) -->

  <url>
    <loc>https://pennapay.com/invoice-template-freelancer.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-freelancer.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-freelancer.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-freelancer.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-consultant.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-consultant.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-consultant.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-consultant.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-copywriter.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-copywriter.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-copywriter.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-copywriter.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-web-developer.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-web-developer.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-web-developer.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-web-developer.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-designer.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-designer.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-designer.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-designer.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-photographer.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-photographer.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-photographer.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-photographer.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-videographer.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-videographer.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-videographer.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-videographer.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-social-media-manager.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-social-media-manager.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-social-media-manager.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-social-media-manager.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-musician.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-musician.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-musician.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-musician.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-event-planner.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-event-planner.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-event-planner.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-event-planner.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-translator.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-translator.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-translator.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-translator.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-coach.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-coach.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-coach.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-coach.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-architect.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-architect.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-architect.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-architect.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-interior-designer.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-interior-designer.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-interior-designer.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-interior-designer.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-accountant.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-accountant.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-accountant.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-accountant.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-illustrator.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-illustrator.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-illustrator.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-illustrator.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-virtual-assistant.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-virtual-assistant.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-virtual-assistant.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-virtual-assistant.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-tutor.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-tutor.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-tutor.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-tutor.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-journalist.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-journalist.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-journalist.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-journalist.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-pr-specialist.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-pr-specialist.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-pr-specialist.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-pr-specialist.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-personal-trainer.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-personal-trainer.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-personal-trainer.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-personal-trainer.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-portrait-photography.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-portrait-photography.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-portrait-photography.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-portrait-photography.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-wedding-photography.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-wedding-photography.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-wedding-photography.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-wedding-photography.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-commercial-photography.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-commercial-photography.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-commercial-photography.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-commercial-photography.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-commission.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-commission.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-commission.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-commission.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-editorial-illustration.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-editorial-illustration.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-editorial-illustration.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-editorial-illustration.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-character-design.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-character-design.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-character-design.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-character-design.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-tattoo-consultation.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-tattoo-consultation.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-tattoo-consultation.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-tattoo-consultation.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-tattoo-session.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-tattoo-session.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-tattoo-session.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-tattoo-session.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-tattoo-coverup.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-tattoo-coverup.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-tattoo-coverup.html"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://pennapay.com/invoice-template-tattoo-coverup.html"/>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://pennapay.com/invoice-template-beat-lease.html</loc>
    <xhtml:link rel="alternate" hreflang="en"        href="https://pennapay.com/invoice-template-beat-lease.html"/>
    <xhtml:link rel="alternate" hreflang="da"        href="https://pennapay.com/da/invoice-template-beat-lease.html"/>
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