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    URL structure: /:lang/:country/*
    langs: es, en
    countries: panama, usa, netherlands
    lastmod: 2026-05-25
  -->

  <!-- ═══════════════════════════════════════════════════════════ -->
  <!-- HOMEPAGE — one per lang×country (6 total)                  -->
  <!-- ═══════════════════════════════════════════════════════════ -->
  <url>
    <loc>https://facturahub.com/es/panama/</loc>
    <xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/" />
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    <lastmod>2026-05-25</lastmod>
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    <lastmod>2026-05-25</lastmod>
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  <url>
    <loc>https://facturahub.com/es/usa/</loc>
    <xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/" />
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    <lastmod>2026-05-25</lastmod>
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  <url>
    <loc>https://facturahub.com/en/usa/</loc>
    <xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://facturahub.com/en/usa/" />
    <lastmod>2026-05-25</lastmod>
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  <url>
    <loc>https://facturahub.com/es/netherlands/</loc>
    <xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://facturahub.com/en/netherlands/" />
    <lastmod>2026-05-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://facturahub.com/en/netherlands/</loc>
    <xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/" />
    <xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://facturahub.com/en/netherlands/" />
    <lastmod>2026-05-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ═══════════════════════════════════════════════════════════ -->
  <!-- FEATURES — per country×lang (6 per page)                   -->
  <!-- ═══════════════════════════════════════════════════════════ -->

  <!-- features/pos -->
  <url><loc>https://facturahub.com/es/panama/features/pos</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/pos" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/pos" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/panama/features/pos</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/pos" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/pos" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/usa/features/pos</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/pos" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/pos" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/usa/features/pos</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/pos" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/pos" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/netherlands/features/pos</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/pos" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/pos" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/netherlands/features/pos</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/pos" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/pos" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- features/whatsapp -->
  <url><loc>https://facturahub.com/es/panama/features/whatsapp</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/whatsapp" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/whatsapp" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/panama/features/whatsapp</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/whatsapp" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/whatsapp" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/usa/features/whatsapp</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/whatsapp" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/whatsapp" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/usa/features/whatsapp</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/whatsapp" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/whatsapp" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/netherlands/features/whatsapp</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/whatsapp" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/whatsapp" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/netherlands/features/whatsapp</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/whatsapp" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/whatsapp" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- features/ai -->
  <url><loc>https://facturahub.com/es/panama/features/ai</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/ai" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/ai" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/panama/features/ai</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/ai" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/ai" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/usa/features/ai</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/ai" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/ai" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/usa/features/ai</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/ai" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/ai" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/netherlands/features/ai</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/ai" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/ai" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/netherlands/features/ai</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/ai" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/ai" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- features/invoicing -->
  <url><loc>https://facturahub.com/es/panama/features/invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/en/panama/features/invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/es/usa/features/invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/en/usa/features/invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/es/netherlands/features/invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/en/netherlands/features/invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>

  <!-- features/expenses -->
  <url><loc>https://facturahub.com/es/panama/features/expenses</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/expenses" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/expenses" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/en/panama/features/expenses</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/features/expenses" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/features/expenses" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/es/usa/features/expenses</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/expenses" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/expenses" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/en/usa/features/expenses</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/features/expenses" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/features/expenses" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/es/netherlands/features/expenses</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/expenses" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/expenses" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/en/netherlands/features/expenses</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/features/expenses" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/features/expenses" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>

  <!-- ═══════════════════════════════════════════════════════════ -->
  <!-- PRICING — per country×lang                                 -->
  <!-- ═══════════════════════════════════════════════════════════ -->
  <url><loc>https://facturahub.com/es/panama/pricing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/pricing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/pricing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/panama/pricing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/pricing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/pricing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/usa/pricing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/pricing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/pricing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/usa/pricing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/pricing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/pricing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/netherlands/pricing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/pricing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/pricing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/netherlands/pricing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/pricing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/pricing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- ═══════════════════════════════════════════════════════════ -->
  <!-- PANAMA SUBPAGES — only under panama country                -->
  <!-- ═══════════════════════════════════════════════════════════ -->
  <url><loc>https://facturahub.com/es/panama/factura-electronica</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/factura-electronica" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/factura-electronica" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/panama/factura-electronica</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/factura-electronica" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/factura-electronica" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/panama/factura-facil</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/factura-facil" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/factura-facil" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/panama/factura-facil</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/factura-facil" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/factura-facil" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/panama/punto-de-venta</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/punto-de-venta" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/punto-de-venta" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/en/panama/punto-de-venta</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/punto-de-venta" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/punto-de-venta" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/es/panama/freelancers</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/freelancers" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/freelancers" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://facturahub.com/en/panama/freelancers</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/panama/freelancers" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/panama/freelancers" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>

  <!-- ═══════════════════════════════════════════════════════════ -->
  <!-- USA SUBPAGES — only under usa country                      -->
  <!-- ═══════════════════════════════════════════════════════════ -->
  <url><loc>https://facturahub.com/es/usa/llc-invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/llc-invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/llc-invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/usa/llc-invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/llc-invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/llc-invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/es/usa/freelancer-invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/freelancer-invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/freelancer-invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://facturahub.com/en/usa/freelancer-invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/usa/freelancer-invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/usa/freelancer-invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- ═══════════════════════════════════════════════════════════ -->
  <!-- NETHERLANDS SUBPAGES — only under netherlands country      -->
  <!-- ═══════════════════════════════════════════════════════════ -->
  <url><loc>https://facturahub.com/es/netherlands/zzp-invoicing</loc><xhtml:link rel="alternate" hreflang="es" href="https://facturahub.com/es/netherlands/zzp-invoicing" /><xhtml:link rel="alternate" hreflang="en" href="https://facturahub.com/en/netherlands/zzp-invoicing" /><lastmod>2026-05-25</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
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