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  <xsd:element id="payo_FinancialAssetCurrentPastDueMember" name="FinancialAssetCurrentPastDueMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="payo_FinancingReceivableAllowanceForCreditLossPercentageOfLossRate" name="FinancingReceivableAllowanceForCreditLossPercentageOfLossRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="payo_CustomerFundsCurrent" name="CustomerFundsCurrent" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" abstract="false" />
  <xsd:element id="payo_EarnoutSharesMember" name="EarnoutSharesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="payo_ClassOfWarrantOrRightTerm" name="ClassOfWarrantOrRightTerm" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="payo_ClassOfWarrantOrRightVested" name="ClassOfWarrantOrRightVested" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="payo_ReconcilesCashCashEquivalentsRestrictedCashAndCustomerFundsAbstract" name="ReconcilesCashCashEquivalentsRestrictedCashAndCustomerFundsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="payo_CustomerFundsInTransit" name="CustomerFundsInTransit" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="payo_FinancingReceivableIncreaseInRevenueReceivables" name="FinancingReceivableIncreaseInRevenueReceivables" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="payo_LossContingencyCollateralAmountReturned" name="LossContingencyCollateralAmountReturned" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="payo_CnbvAndBankOfMexicoMember" name="CnbvAndBankOfMexicoMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="payo_StockOptionsMember" name="StockOptionsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="payo_FinancingReceivablesDueInMoreThan90DaysMember" name="FinancingReceivablesDueInMoreThan90DaysMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="payo_FinancingReceivablesDueIn60To90DaysMember" name="FinancingReceivablesDueIn60To90DaysMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="payo_FinancingReceivablesDueIn30To60DaysMember" name="FinancingReceivablesDueIn30To60DaysMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="payo_FinancingReceivablesDueInLessThan30DaysMember" name="FinancingReceivablesDueInLessThan30DaysMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <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="OperatingLeaseLiabilitiesWithinLongTermPayables" id="payo_OperatingLeaseLiabilitiesWithinLongTermPayables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CapitalAdvanceReceivableAbstract" id="payo_CapitalAdvanceReceivableAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CapitalAdvanceReceivableTextBlock" id="payo_CapitalAdvanceReceivableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherNoncurrentLiabilitiesDisclosureTextBlock" id="payo_OtherNoncurrentLiabilitiesDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SeverancePayLiabilitiesNoncurrent" id="payo_SeverancePayLiabilitiesNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ReservesForUncertainTaxPositions" id="payo_ReservesForUncertainTaxPositions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ExcludingCapitalizedInternalUseSoftwareMember" id="payo_ExcludingCapitalizedInternalUseSoftwareMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StockIssuedDuringPeriodValueStockOptionsExercisedAndVestingOfRestrictedStockUnits" id="payo_StockIssuedDuringPeriodValueStockOptionsExercisedAndVestingOfRestrictedStockUnits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="StockIssuedDuringPeriodSharesStockOptionsExercisedAndVestingOfRestrictedStockUnits" id="payo_StockIssuedDuringPeriodSharesStockOptionsExercisedAndVestingOfRestrictedStockUnits" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CapitalizedInternalUseSoftwareNotYetPlacedInService" id="payo_CapitalizedInternalUseSoftwareNotYetPlacedInService" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeStockPurchasePlanMember" id="payo_EmployeeStockPurchasePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AdjustmentToOperatingCashFlowsDeferredIncomeTaxes" id="payo_AdjustmentToOperatingCashFlowsDeferredIncomeTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWithheldToCoverSharesRepurchasedValue" id="payo_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWithheldToCoverSharesRepurchasedValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="RestrictedStockUnitsWithMarketConditionsMember" id="payo_RestrictedStockUnitsWithMarketConditionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AviZeeviMember" id="payo_AviZeeviMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScottGalitMember" id="payo_ScottGalitMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ExpenditureForInternalUseSoftwareCapitalizedButNotPaid" id="payo_ExpenditureForInternalUseSoftwareCapitalizedButNotPaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ItaiPerryMember" id="payo_ItaiPerryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CapitalAdvanceIncome" id="payo_CapitalAdvanceIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NonCurrentTaxProvisionsOther" id="payo_NonCurrentTaxProvisionsOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearThree" id="payo_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CustomerFundsInvestedInAvailableForSaleDebtSecurities" id="payo_CustomerFundsInvestedInAvailableForSaleDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NetCustomerFunds" id="payo_NetCustomerFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CustomerFundsAndInvestmentsAbstract" id="payo_CustomerFundsAndInvestmentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CustomerFundsAndInvestmentsTextBlock" id="payo_CustomerFundsAndInvestmentsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfAssetsUnderlyingCustomerFundsTableTextBlock" id="payo_ScheduleOfAssetsUnderlyingCustomerFundsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CustomerFundsInvestedInCashAndCashEquivalents" id="payo_CustomerFundsInvestedInCashAndCashEquivalents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OtherPayablesTable" id="payo_OtherPayablesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherPayablesLineItems" id="payo_OtherPayablesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnrealizedGainLossOnForeignCurrencyDerivativesNetAfterTax" id="payo_UnrealizedGainLossOnForeignCurrencyDerivativesNetAfterTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProceedsFromInternationalEmployeesSalesOfCommonStock" id="payo_ProceedsFromInternationalEmployeesSalesOfCommonStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CustomerFundsCurrentAndNonCurrent" id="payo_CustomerFundsCurrentAndNonCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SkuadPte.LtdMember" id="payo_SkuadPte.LtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOutstandingOperatingBalances" id="payo_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOutstandingOperatingBalances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CustomerFundInvestedInAvailableForSaleDebtSecurities" id="payo_CustomerFundInvestedInAvailableForSaleDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="RepurchaseOfWarrantsTransactionCosts" id="payo_RepurchaseOfWarrantsTransactionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UnrealizedGainLossOnContingentConsideration" id="payo_UnrealizedGainLossOnContingentConsideration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OmnibusStockIncentivePlanMember" id="payo_OmnibusStockIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherCurrentAndNoncurrentAssets" id="payo_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherCurrentAndNoncurrentAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CustomersFundsInvestedInTermDeposits" id="payo_CustomersFundsInvestedInTermDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CustomerFundsInvestedInTermDepositsCurrent" id="payo_CustomerFundsInvestedInTermDepositsCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CustomerFundsInvestedInTermDepositsNoncurrent" id="payo_CustomerFundsInvestedInTermDepositsNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAndNoncurrentLiabilitiesOther" id="payo_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAndNoncurrentLiabilitiesOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SusannaMorganMember" id="payo_SusannaMorganMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AmirGoldmanMember" id="payo_AmirGoldmanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EuropeMiddleEastAndAfricaMember" id="payo_EuropeMiddleEastAndAfricaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SingleReportableSegmentMember" id="payo_SingleReportableSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ThirdPartyContractExpense" id="payo_ThirdPartyContractExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OtherComprehensiveIncomeLossInterestRateDerivativesGainLossAfterReclassificationAndBeforeTax" id="payo_OtherComprehensiveIncomeLossInterestRateDerivativesGainLossAfterReclassificationAndBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OtherComprehensiveIncomeLossInterestRateDerivativesGainLossAfterReclassificationTax" id="payo_OtherComprehensiveIncomeLossInterestRateDerivativesGainLossAfterReclassificationTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CustomerFundAssetsAbstract" id="payo_CustomerFundAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PayecoFinanceInformationHoldingCorporationMember" id="payo_PayecoFinanceInformationHoldingCorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RestrictedAndPerformanceStockUnitsMember" id="payo_RestrictedAndPerformanceStockUnitsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProceedsFromStockOptionsExercisedNetOfTax" id="payo_ProceedsFromStockOptionsExercisedNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BeaOrdonezMember" id="payo_BeaOrdonezMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AssetAcquisitionDeferredPaymentsTerm" id="payo_AssetAcquisitionDeferredPaymentsTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DeferredPaymentsDueOnApril92026Member" id="payo_DeferredPaymentsDueOnApril92026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DeferredPaymentsDueOnApril92027Member" id="payo_DeferredPaymentsDueOnApril92027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AssetAcquisitionDeferredPaymentLiabilityNoncurrent" id="payo_AssetAcquisitionDeferredPaymentLiabilityNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AssetAcquisitionPercentageOfVotingInterestsAcquired" id="payo_AssetAcquisitionPercentageOfVotingInterestsAcquired" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="AssetAcquisitionDeferredTaxLiabilityAcquired" id="payo_AssetAcquisitionDeferredTaxLiabilityAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AssetAcquisitionOtherNetAssetsAcquired" id="payo_AssetAcquisitionOtherNetAssetsAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AssetAcquisitionFairValueOfDeferredLiabilityPayable" id="payo_AssetAcquisitionFairValueOfDeferredLiabilityPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AssetAcquisitionOtherAdjustmentsToConsideration" id="payo_AssetAcquisitionOtherAdjustmentsToConsideration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AssetAcquisitionCashAndCustomerFundsAcquired" id="payo_AssetAcquisitionCashAndCustomerFundsAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AssetAcquisitionCashPaidNetOfCashAndFundsAcquired" id="payo_AssetAcquisitionCashPaidNetOfCashAndFundsAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercisedAndVestingOfRestrictedStockUnits" id="payo_StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercisedAndVestingOfRestrictedStockUnits" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercisedAndVestingOfRestrictedStockUnits" id="payo_StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercisedAndVestingOfRestrictedStockUnits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="RepaymentsAssociatedWithAcquisition" id="payo_RepaymentsAssociatedWithAcquisition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UnrealizedGainLossOnDeferredPayments" id="payo_UnrealizedGainLossOnDeferredPayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PrivateWarrantsMember" id="payo_PrivateWarrantsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentsFromWarrantExercises" id="payo_PaymentsFromWarrantExercises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BoundlessTechnologiesLimitedMember" id="payo_BoundlessTechnologiesLimitedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestRateCashFlowHedgeDecreaseInRevenue" id="payo_InterestRateCashFlowHedgeDecreaseInRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ForeignCurrencyCashFlowHedgeDecreaseInOperatingExpenses" id="payo_ForeignCurrencyCashFlowHedgeDecreaseInOperatingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TreasuryStockValueIncludingExciseTaxAcquiredCostMethod" id="payo_TreasuryStockValueIncludingExciseTaxAcquiredCostMethod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="IncreaseDecreaseInInterestAndAmortizationOfPremiumOrDiscountOnInvestments" id="payo_IncreaseDecreaseInInterestAndAmortizationOfPremiumOrDiscountOnInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationConsiderationTransferredDeferredPaymentLiabilityFairValue" id="payo_BusinessCombinationConsiderationTransferredDeferredPaymentLiabilityFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationConsiderationTransferredOther" id="payo_BusinessCombinationConsiderationTransferredOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeferredPaymentsDueOnJuly192026Member" id="payo_DeferredPaymentsDueOnJuly192026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DeferredPaymentsDueOnJanuary192027Member" id="payo_DeferredPaymentsDueOnJanuary192027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationDeferredPaymentTerm" id="payo_BusinessCombinationDeferredPaymentTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EarnOutCompensationExpenseRequisiteServicePeriod" id="payo_EarnOutCompensationExpenseRequisiteServicePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CommonStockIncreaseInCapitalSharesReservedForFutureIssuance" id="payo_CommonStockIncreaseInCapitalSharesReservedForFutureIssuance" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BusinessCombinationPostCombinationCompensationExpense" id="payo_BusinessCombinationPostCombinationCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MergerAgreementWithNeonMapleParentIncAndPandaAcquisitionSubIncMember" id="payo_MergerAgreementWithNeonMapleParentIncAndPandaAcquisitionSubIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationMergerAgreementAutomaticExtensionPeriod" id="payo_BusinessCombinationMergerAgreementAutomaticExtensionPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BusinessCombinationMergerAgreementMaximumDamagesReceivable" id="payo_BusinessCombinationMergerAgreementMaximumDamagesReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationMergerAgreementTerminationFeeReceivable" id="payo_BusinessCombinationMergerAgreementTerminationFeeReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ShareRepurchaseProgramReversalOfExciseTax" id="payo_ShareRepurchaseProgramReversalOfExciseTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="UnrecognizedEstimatedAcquisitionRelatedCostsDueAtClosing" id="payo_UnrecognizedEstimatedAcquisitionRelatedCostsDueAtClosing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MergerMember" id="payo_MergerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLawsuitsFiled" id="payo_NumberOfLawsuitsFiled" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CashIncentiveAwardsShortTerm" id="payo_CashIncentiveAwardsShortTerm" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CashIncentiveAwardsLongTerm" id="payo_CashIncentiveAwardsLongTerm" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CompensationArrangementLongTermAwardVestingRightsPercentage" id="payo_CompensationArrangementLongTermAwardVestingRightsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CompensationArrangementLongTermAwardAwardVestingNumberOfQuarterlyInstallments" id="payo_CompensationArrangementLongTermAwardAwardVestingNumberOfQuarterlyInstallments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="U.s.TreasuryBillsIncludedWithinCustomerFunds" id="payo_U.s.TreasuryBillsIncludedWithinCustomerFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MichaelFridmanMember" id="payo_MichaelFridmanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EarnOutSharesExpired" id="payo_EarnOutSharesExpired" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
