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  <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_AdjustmentsToAdditionalPaidInCapitalValueVestingOfEarlyExercisedStockOptions" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalValueVestingOfEarlyExercisedStockOptions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_StockIssuedDuringPeriodSharesSettlementOfLiabilityRestrictedStockAward" abstract="false" name="StockIssuedDuringPeriodSharesSettlementOfLiabilityRestrictedStockAward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_StockIssuedDuringPeriodSharesRestrictedStockAwardUnitsVesting" abstract="false" name="StockIssuedDuringPeriodSharesRestrictedStockAwardUnitsVesting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_IncreaseDecreaseInSettlementAssets" abstract="false" name="IncreaseDecreaseInSettlementAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ProceedsFromPaymentsForCustomerFundsNet" abstract="false" name="ProceedsFromPaymentsForCustomerFundsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_CommonStockIssuedToSettledRestrictedStockLiabilityFairValue" abstract="false" name="CommonStockIssuedToSettledRestrictedStockLiabilityFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_SettlementAssetsNetAndLiabilitiesAndAllowanceForExpectedCreditLossesPolicyTextBlock" abstract="false" name="SettlementAssetsNetAndLiabilitiesAndAllowanceForExpectedCreditLossesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_SubscriptionFeesMember" abstract="true" name="SubscriptionFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_InterchangeMember" abstract="true" name="InterchangeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_CashbackRewardsMember" abstract="true" name="CashbackRewardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_VolumeBasedIncentiveIncome" abstract="false" name="VolumeBasedIncentiveIncome" 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_ExpensifyOrgMember" abstract="true" name="ExpensifyOrgMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_ScheduleOfOtherCurrentAssetsLineItems" abstract="true" name="ScheduleOfOtherCurrentAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_RestrictedCashHeldForRelatedPartyCurrent" abstract="false" name="RestrictedCashHeldForRelatedPartyCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_EarnedInterchangeRestrictedCash" abstract="false" name="EarnedInterchangeRestrictedCash" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_OtherRestrictedCashCurrent" abstract="false" name="OtherRestrictedCashCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ExpectedInsuranceRecoveriesCurrent" abstract="false" name="ExpectedInsuranceRecoveriesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_EmployeeStockPurchasePlanPayrollLiability" abstract="false" name="EmployeeStockPurchasePlanPayrollLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PutativeClassActionMember" abstract="true" name="PutativeClassActionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_The2019OptionPlanMember" abstract="true" name="The2019OptionPlanMember" 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_MatchingPlanMember" abstract="true" name="MatchingPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_StockPurchaseAndMatchingPlanMember" abstract="true" name="StockPurchaseAndMatchingPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_MatchingPlanDiscretionaryContributionsMember" abstract="true" name="MatchingPlanDiscretionaryContributionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesMatchedByEmployer" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesMatchedByEmployer" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="exfy_ClassificationOfAwardAxis" abstract="true" name="ClassificationOfAwardAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="exfy_ClassificationOfAwardDomain" abstract="true" name="ClassificationOfAwardDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_LiabilityClassfiedMember" abstract="true" name="LiabilityClassfiedMember" 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_OtherThanTenPercentHolderMember" abstract="true" name="OtherThanTenPercentHolderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_A2021StockPlanMember" abstract="true" name="A2021StockPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodPreTaxIntrinsicValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodPreTaxIntrinsicValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_SettlementOfLiabilityClassifiedRestrictedStockUnitsMember" abstract="true" name="SettlementOfLiabilityClassifiedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_CommonStockVotingRightPerShare" abstract="false" name="CommonStockVotingRightPerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="exfy_ConversionOfStockNoticePeriod" abstract="false" name="ConversionOfStockNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="exfy_A2025ShareRepurchaseProgramMember" abstract="true" name="A2025ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
