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  <xsd:element name="RussiaBelarusAndUkraineMember" id="payo_RussiaBelarusAndUkraineMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OperatingLeaseLiabilitiesWithinOtherCurrentPayables" id="payo_OperatingLeaseLiabilitiesWithinOtherCurrentPayables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PotentialAntiDilutiveCommonSharesExcludedOutOfMoney" id="payo_PotentialAntiDilutiveCommonSharesExcludedOutOfMoney" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InformationTechnologyAndDataProcessingExpenseReversal" id="payo_InformationTechnologyAndDataProcessingExpenseReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeStockOwnershipPlanEmployeeDeductionPercentage" id="payo_EmployeeStockOwnershipPlanEmployeeDeductionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeStockOwnershipPlanTermOfOfferingPeriod" id="payo_EmployeeStockOwnershipPlanTermOfOfferingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeStockOwnershipPlanMinimumPurchasePriceOfSharesAsPercentageOfClosingSalesPrice" id="payo_EmployeeStockOwnershipPlanMinimumPurchasePriceOfSharesAsPercentageOfClosingSalesPrice" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="CustomerFundsCurrentExcludingFundsInTransit" id="payo_CustomerFundsCurrentExcludingFundsInTransit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
</xsd:schema>
