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  <xs:element id="exfy_EmployeeStockPurchasePlanMember" abstract="true" name="EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_FinanceLeaseCost" abstract="false" name="FinanceLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ProceedsFromVestingOfRestrictedCommonStock" abstract="false" name="ProceedsFromVestingOfRestrictedCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ConvertiblePreferredStockSeriesBMember" abstract="true" name="ConvertiblePreferredStockSeriesBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_TenPercentHolderMember" abstract="true" name="TenPercentHolderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_Amended2021TermLoanMember" abstract="true" name="Amended2021TermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_ScheduleOfCapitalizedSoftwareDevelopmentCostsTableTextBlock" abstract="false" name="ScheduleOfCapitalizedSoftwareDevelopmentCostsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_OfficeMember" abstract="true" name="OfficeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_CostOfRevenuePolicyTextBlock" abstract="false" name="CostOfRevenuePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_IncreaseDecreaseInSettlementLiabilities" abstract="false" name="IncreaseDecreaseInSettlementLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_SalesAndMarketingPolicyTextBlock" abstract="false" name="SalesAndMarketingPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_AnnualIncreaseInSharesReservedForIssuanceAsAPercentageOfCommonSharesOutstanding" abstract="false" name="AnnualIncreaseInSharesReservedForIssuanceAsAPercentageOfCommonSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="exfy_StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedShares" abstract="false" name="StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_ReferenceRateMember" abstract="true" name="ReferenceRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_IncreaseDecreaseInSettlementAssets" abstract="false" name="IncreaseDecreaseInSettlementAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ScheduleOfOtherCurrentAssetsTable" abstract="true" name="ScheduleOfOtherCurrentAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="exfy_SettlementAssetsAndLiabilitiesPolicyTextBlock" abstract="false" name="SettlementAssetsAndLiabilitiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_RestrictedCashForCapitalExpenditureCurrent" abstract="false" name="RestrictedCashForCapitalExpenditureCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_DeferredTaxAssetInterestExpenseLimitation" abstract="false" name="DeferredTaxAssetInterestExpenseLimitation" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodExercisePrice" abstract="false" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="exfy_PaymentForUnderwritingDiscountsAndCommissions" abstract="false" name="PaymentForUnderwritingDiscountsAndCommissions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ExpensifyOrgMember" abstract="true" name="ExpensifyOrgMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_ConversionOfStockConversionRatio" abstract="false" name="ConversionOfStockConversionRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="exfy_StockholdersEquityNoteSubscriptionsReceivableAccruedInterest" abstract="false" name="StockholdersEquityNoteSubscriptionsReceivableAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ConvertiblePreferredStockSeriesB1Member" abstract="true" name="ConvertiblePreferredStockSeriesB1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_AggregateUnderwritingPublicOfferingThresholdForAutomaticPreferredStockConversion" abstract="false" name="AggregateUnderwritingPublicOfferingThresholdForAutomaticPreferredStockConversion" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_CommonStockLT50Member" abstract="true" name="CommonStockLT50Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_DeferredTaxAssetLeasingArrangements" abstract="false" name="DeferredTaxAssetLeasingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_SuccessCoachMember" abstract="true" name="SuccessCoachMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_RisksAndUncertaintiesPolicyTextBlock" abstract="false" name="RisksAndUncertaintiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_The2019OptionPlanMember" abstract="true" name="The2019OptionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_CardCollateralForFundsHeldForCustomersCurrent" abstract="false" name="CardCollateralForFundsHeldForCustomersCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ExpensifyPaymentLLCMember" abstract="true" name="ExpensifyPaymentLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedValue" abstract="false" name="StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_SocialJusticeDonationCommitment" abstract="false" name="SocialJusticeDonationCommitment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_LoansReceivableTerm" abstract="false" name="LoansReceivableTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="exfy_ScheduleOfCapitalizedComputerSoftwareAmortizationTableTextBlock" abstract="false" name="ScheduleOfCapitalizedComputerSoftwareAmortizationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_LesseeOperatingLeaseLiabilityToBePaidDueAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidDueAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_AccruedHostingAndLicenseFeesCurrent" abstract="false" name="AccruedHostingAndLicenseFeesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_CashInTransitForFundsHeldForCustomersCurrent" abstract="false" name="CashInTransitForFundsHeldForCustomersCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_The2009OptionPlanMember" abstract="true" name="The2009OptionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_AccruedPartnerPayoutsAndAdvertisingFeesCurrent" abstract="false" name="AccruedPartnerPayoutsAndAdvertisingFeesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_A2013WarrantsMember" abstract="true" name="A2013WarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_Amended2021TermLoanDelayedTermLoanMember" abstract="true" name="Amended2021TermLoanDelayedTermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_FinanceLeaseCostsAbstract" abstract="true" name="FinanceLeaseCostsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_RestrictedCommonStockLiabilityForEarlyStockOptionExercisesCurrent" abstract="false" name="RestrictedCommonStockLiabilityForEarlyStockOptionExercisesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_PaymentOfDonationCommitments" abstract="false" name="PaymentOfDonationCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_PublicStockOfferingSharesFromExistingShareholdersMember" abstract="true" name="PublicStockOfferingSharesFromExistingShareholdersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
