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  <xs:element id="exfy_AggregateProceedsFromCommonStockIssuanceLeadingToTriggeringEvent" abstract="false" name="AggregateProceedsFromCommonStockIssuanceLeadingToTriggeringEvent" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_PublicStockOfferingNewSharesMember" abstract="true" name="PublicStockOfferingNewSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_CashbackRewardsPolicyTextBlock" abstract="false" name="CashbackRewardsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_NonAmortizingTermLoanMember" abstract="true" name="NonAmortizingTermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_ClassOfWarrantOrRightIssued" abstract="false" name="ClassOfWarrantOrRightIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_EmployeeAndEmployeeRelatedExpensesPolicyTextBlock" abstract="false" name="EmployeeAndEmployeeRelatedExpensesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_September2013WarrantsMember" abstract="true" name="September2013WarrantsMember" 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_RestrictedCashHeldForRelatedPartyCurrent" abstract="false" name="RestrictedCashHeldForRelatedPartyCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedValue" abstract="false" name="StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedValue" 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_DebtInstrumentWithCIBCMember" abstract="true" name="DebtInstrumentWithCIBCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_DeferredOfferingCostsPolicyTextBlock" abstract="false" name="DeferredOfferingCostsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_NumberOfClassesOfStock" abstract="false" name="NumberOfClassesOfStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_TenPercentHolderMember" abstract="true" name="TenPercentHolderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_RevenueFromContractWithCustomerCashRewardsToCustomer" abstract="false" name="RevenueFromContractWithCustomerCashRewardsToCustomer" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_Amended2021TermLoanDelayedTermLoanMember" abstract="true" name="Amended2021TermLoanDelayedTermLoanMember" 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_PaymentForUnderwritingDiscountsAndCommissions" abstract="false" name="PaymentForUnderwritingDiscountsAndCommissions" nillable="true" xbrli:periodType="duration" 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_BasicNetIncomePerShareAbstract" abstract="true" name="BasicNetIncomePerShareAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_FinanceLeaseCostsAbstract" abstract="true" name="FinanceLeaseCostsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_PaymentOfDonationCommitments" abstract="false" name="PaymentOfDonationCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_LeasesWeightedAverageDiscountRateAbstract" abstract="true" name="LeasesWeightedAverageDiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_SecondarySalesMember" abstract="true" name="SecondarySalesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_RestrictedCashIncludedInSettlementAssets" abstract="false" name="RestrictedCashIncludedInSettlementAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ConversionOfStockNoticePeriod" abstract="false" name="ConversionOfStockNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="exfy_ScheduleOfOtherCurrentAssetsTable" abstract="true" name="ScheduleOfOtherCurrentAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="exfy_EmployeeStockOptionExerciseCashBonusLineItems" abstract="true" name="EmployeeStockOptionExerciseCashBonusLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_ShareBasedPaymentArrangementExerciseCost" abstract="false" name="ShareBasedPaymentArrangementExerciseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedShares" abstract="false" name="StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_CommonStockLT10Member" abstract="true" name="CommonStockLT10Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_The2021IncentivePlanMember" abstract="true" name="The2021IncentivePlanMember" 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-types:domainItemType"/>
  <xs:element id="exfy_CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" abstract="true" name="CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_RightOfUseAssetObtainedInExchangeForLeaseLiability" abstract="false" name="RightOfUseAssetObtainedInExchangeForLeaseLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AssetsAndLiabilitiesLesseeTableTextBlock" abstract="false" name="AssetsAndLiabilitiesLesseeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="exfy_BonusPaymentsAsAPercentageOfStockOptionsIssued" abstract="false" name="BonusPaymentsAsAPercentageOfStockOptionsIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_StockBasedCompensationMember" abstract="true" name="StockBasedCompensationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_ShareBasedCompensationNumberOfEmployeesImpactedByPlanModification" abstract="false" name="ShareBasedCompensationNumberOfEmployeesImpactedByPlanModification" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_ExpensifyOrgMember" abstract="true" name="ExpensifyOrgMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_RestrictedCommonStockLiabilityForEarlyStockOptionExercisesCurrent" abstract="false" name="RestrictedCommonStockLiabilityForEarlyStockOptionExercisesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesMatchedByEmployer" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesMatchedByEmployer" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_NonStatutoryOptionsMember" abstract="true" name="NonStatutoryOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_DonationCommitmentAsAPortionOfConsiderationReceivedPercent" abstract="false" name="DonationCommitmentAsAPortionOfConsiderationReceivedPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="exfy_RightOfUseAssets" abstract="false" name="RightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
