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  <xs:element id="exfy_OtherCurrentAssetsLineItems" abstract="true" name="OtherCurrentAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_LesseeOperatingLeaseNumberOfContractsAcquired" abstract="false" name="LesseeOperatingLeaseNumberOfContractsAcquired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="exfy_October2013WarrantsMember" abstract="true" name="October2013WarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_ExpensifyOrgMember" abstract="true" name="ExpensifyOrgMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_DebtInstrumentWithCIBCMember" abstract="true" name="DebtInstrumentWithCIBCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_PaymentsForTheRepurchasesOfEarlyExercisedStockOptions" abstract="false" name="PaymentsForTheRepurchasesOfEarlyExercisedStockOptions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_CashbackRewardsPolicyTextBlock" abstract="false" name="CashbackRewardsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="exfy_NumberOfPerformanceObligations" abstract="false" name="NumberOfPerformanceObligations" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="exfy_ConvertiblePreferredStockSeriesAMember" abstract="true" name="ConvertiblePreferredStockSeriesAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_ConvertiblePreferredStockSeriesB1Member" abstract="true" name="ConvertiblePreferredStockSeriesB1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_LeaseLiabilityCurrent" abstract="false" name="LeaseLiabilityCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_MemberOfAuditCommitteeMember" abstract="true" name="MemberOfAuditCommitteeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_LeasesWeightedAverageDiscountRateAbstract" abstract="true" name="LeasesWeightedAverageDiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_MatchingPlanOneTwentiethIssuanceMember" abstract="true" name="MatchingPlanOneTwentiethIssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_December2016WarrantsMember" abstract="true" name="December2016WarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_InterestAndOtherExpensesNetPolicyTextBlock" abstract="false" name="InterestAndOtherExpensesNetPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_CommonStockLT50Member" abstract="true" name="CommonStockLT50Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_EmployeeStockOptionExerciseCashBonusLineItems" abstract="true" name="EmployeeStockOptionExerciseCashBonusLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_ReferenceRateMember" abstract="true" name="ReferenceRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_CommonStockLT10Member" abstract="true" name="CommonStockLT10Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_StockIssuedDuringPeriodSharesWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_AssetsAndLiabilitiesLesseeTableTextBlock" abstract="false" name="AssetsAndLiabilitiesLesseeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="exfy_The2021IncentivePlanMember" abstract="true" name="The2021IncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_DeferredTaxLiability" abstract="false" name="DeferredTaxLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_MatchingPlanEscrowAndOtherRestrictedCash" abstract="false" name="MatchingPlanEscrowAndOtherRestrictedCash" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_StockPurchaseAndMatchingPlanMember" abstract="true" name="StockPurchaseAndMatchingPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_ClassOfWarrantOrRightIssued" abstract="false" name="ClassOfWarrantOrRightIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_ConversionOfStockNoticePeriod" abstract="false" name="ConversionOfStockNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="exfy_EmployeeAndEmployeeRelatedExpensesPolicyTextBlock" abstract="false" name="EmployeeAndEmployeeRelatedExpensesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="exfy_Amended2021TermLoanDelayedTermLoanMember" abstract="true" name="Amended2021TermLoanDelayedTermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedShares" abstract="false" name="StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_ScheduleOfOtherCurrentAssetsTable" abstract="true" name="ScheduleOfOtherCurrentAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="exfy_Amended2021TermLoanInitialTermLoanMember" abstract="true" name="Amended2021TermLoanInitialTermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_NumberOfClassesOfStock" abstract="false" name="NumberOfClassesOfStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="exfy_OfficerTradingArrangementExpiringOct2024Member" abstract="true" name="OfficerTradingArrangementExpiringOct2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_ConvertiblePreferredStockSeriesCMember" abstract="true" name="ConvertiblePreferredStockSeriesCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_CashbackRewardsOffsetAgainstOutstandingCustomerReceivables" abstract="false" name="CashbackRewardsOffsetAgainstOutstandingCustomerReceivables" 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-types1:domainItemType"/>
  <xs:element id="exfy_MatchingSharesMember" abstract="true" name="MatchingSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_AccruedCreditCardProcessingFeesCurrent" abstract="false" name="AccruedCreditCardProcessingFeesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_Amended2024TermLoanMember" abstract="true" name="Amended2024TermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_LeaseLiabilityNonCurrent" abstract="false" name="LeaseLiabilityNonCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_EffectiveIncomeTaxRateReconciliationLimitationImposedByInternalRevenueCodePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationLimitationImposedByInternalRevenueCodePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="exfy_PublicStockOfferingNewSharesMember" abstract="true" name="PublicStockOfferingNewSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_DavidBarrettMember" abstract="true" name="DavidBarrettMember" 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_GainLossOnImpairmentReceivablesAndSaleOrDisposalOfEquipment" abstract="false" name="GainLossOnImpairmentReceivablesAndSaleOrDisposalOfEquipment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_RevenueFromContractWithCustomerCashRewardsToCustomer" abstract="false" name="RevenueFromContractWithCustomerCashRewardsToCustomer" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ChangeInDeferredContractAcquisitionCostsRollForwardAbstract" abstract="true" name="ChangeInDeferredContractAcquisitionCostsRollForwardAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_TemporaryEquityStockIssuedDuringPeriodValueConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodValueConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_EmployeeStockPurchasePlanPayrollLiability" abstract="false" name="EmployeeStockPurchasePlanPayrollLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_RightOfUseAssets" abstract="false" name="RightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_NonStatutoryOptionsMember" abstract="true" name="NonStatutoryOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_DeferredContractAcquisitionCosts" abstract="false" name="DeferredContractAcquisitionCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_TemporaryEquityStockIssuedDuringPeriodSharesConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodSharesConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_CashInTransitForFundsHeldForCustomersCurrent" abstract="false" name="CashInTransitForFundsHeldForCustomersCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
