<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 6.5c -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: +Kopo7xRiXgen8uEbXpMOaCLmaPty552CYkxvmR5fUlqryAi+vBZty3OEyqGAZQE -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2024" xmlns:us-gaap="http://fasb.org/us-gaap/2024" xmlns:srt="http://fasb.org/srt/2024" xmlns:srt-types="http://fasb.org/srt-types/2024" xmlns:ecd="http://xbrl.sec.gov/ecd/2024" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:PAYS="http://paysign.com/20260630" elementFormDefault="qualified" targetNamespace="http://paysign.com/20260630">
    <annotation>
      <appinfo>
        <link:roleType roleURI="http://paysign.com/role/Cover" id="Cover">
          <link:definition>00000001 - Document - Cover</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CondensedConsolidatedBalanceSheets" id="CondensedConsolidatedBalanceSheets">
          <link:definition>00000002 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CondensedConsolidatedBalanceSheetsParenthetical" id="CondensedConsolidatedBalanceSheetsParenthetical">
          <link:definition>00000003 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CondensedConsolidatedStatementsOfOperations" id="CondensedConsolidatedStatementsOfOperations">
          <link:definition>00000004 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CondensedConsolidatedStatementsOfStockholdersEquity" id="CondensedConsolidatedStatementsOfStockholdersEquity">
          <link:definition>00000005 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (UNAUDITED)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CondensedConsolidatedStatementsOfCashFlows" id="CondensedConsolidatedStatementsOfCashFlows">
          <link:definition>00000006 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasisOfPresentationAndSummaryOfSignificantPolicies" id="BasisOfPresentationAndSummaryOfSignificantPolicies">
          <link:definition>999007 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT POLICIES</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/Acquisition" id="Acquisition">
          <link:definition>999008 - Disclosure - ACQUISITION</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/FixedAssetsNet" id="FixedAssetsNet">
          <link:definition>999009 - Disclosure - FIXED ASSETS, NET</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/IntangibleAssetsNet" id="IntangibleAssetsNet">
          <link:definition>999010 - Disclosure - INTANGIBLE ASSETS, NET</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/Lease" id="Lease">
          <link:definition>999011 - Disclosure - LEASE</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CustomerCardFundingLiability" id="CustomerCardFundingLiability">
          <link:definition>999012 - Disclosure - CUSTOMER CARD FUNDING LIABILITY</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CommonStock" id="CommonStock">
          <link:definition>999013 - Disclosure - COMMON STOCK</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasicAndFullyDilutedNetIncomeLossPerCommonShare" id="BasicAndFullyDilutedNetIncomeLossPerCommonShare">
          <link:definition>999014 - Disclosure - BASIC AND FULLY DILUTED NET INCOME (LOSS) PER COMMON SHARE</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CommitmentsAndContingencies" id="CommitmentsAndContingencies">
          <link:definition>999015 - Disclosure - COMMITMENTS AND CONTINGENCIES</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/RelatedParty" id="RelatedParty">
          <link:definition>999016 - Disclosure - RELATED PARTY</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/IncomeTax" id="IncomeTax">
          <link:definition>999017 - Disclosure - INCOME TAX</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasisOfPresentationAndSummaryOfSignificantPoliciesPolicies" id="BasisOfPresentationAndSummaryOfSignificantPoliciesPolicies">
          <link:definition>999019 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT POLICIES (Policies)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasisOfPresentationAndSummaryOfSignificantPoliciesTables" id="BasisOfPresentationAndSummaryOfSignificantPoliciesTables">
          <link:definition>999020 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT POLICIES (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/AcquisitionTables" id="AcquisitionTables">
          <link:definition>999021 - Disclosure - ACQUISITION (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/FixedAssetsNetTables" id="FixedAssetsNetTables">
          <link:definition>999022 - Disclosure - FIXED ASSETS, NET (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/IntangibleAssetsNetTables" id="IntangibleAssetsNetTables">
          <link:definition>999023 - Disclosure - INTANGIBLE ASSETS, NET (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/LeaseTables" id="LeaseTables">
          <link:definition>999024 - Disclosure - LEASE (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CustomerCardFundingLiabilityTables" id="CustomerCardFundingLiabilityTables">
          <link:definition>999025 - Disclosure - CUSTOMER CARD FUNDING LIABILITY (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasicAndFullyDilutedNetIncomeLossPerCommonShareTables" id="BasicAndFullyDilutedNetIncomeLossPerCommonShareTables">
          <link:definition>999026 - Disclosure - BASIC AND FULLY DILUTED NET INCOME (LOSS) PER COMMON SHARE (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/IncomeTaxTables" id="IncomeTaxTables">
          <link:definition>999027 - Disclosure - INCOME TAX (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasisOfPresentationAndSummaryOfSignificantPoliciesDetails-ContingentConsiderationEarn-outLiability" id="BasisOfPresentationAndSummaryOfSignificantPoliciesDetails-ContingentConsiderationEarn-outLiability">
          <link:definition>999028 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT POLICIES (Details - Contingent consideration (earn-out) liability)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasisOfPresentationAndSummaryOfSignificantPoliciesDetailsNarrative" id="BasisOfPresentationAndSummaryOfSignificantPoliciesDetailsNarrative">
          <link:definition>999029 - Disclosure - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT POLICIES (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/AcquisitionDetails-ConsiderationPaid" id="AcquisitionDetails-ConsiderationPaid">
          <link:definition>999030 - Disclosure - ACQUISITION (Details - Consideration paid)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/AcquisitionDetails-AssetsAcquired" id="AcquisitionDetails-AssetsAcquired">
          <link:definition>999031 - Disclosure - ACQUISITION (Details - Assets acquired)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/AcquisitionDetails-IntangibleAssetsAcquired" id="AcquisitionDetails-IntangibleAssetsAcquired">
          <link:definition>999032 - Disclosure - ACQUISITION (Details - Intangible assets acquired)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/AcquisitionDetailsNarrative" id="AcquisitionDetailsNarrative">
          <link:definition>999033 - Disclosure - ACQUISITION (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/FixedAssetsNetDetails" id="FixedAssetsNetDetails">
          <link:definition>999034 - Disclosure - FIXED ASSETS, NET (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/FixedAssetsNetDetailsNarrative" id="FixedAssetsNetDetailsNarrative">
          <link:definition>999035 - Disclosure - FIXED ASSETS, NET (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/IntangibleAssetsNetDetails" id="IntangibleAssetsNetDetails">
          <link:definition>999036 - Disclosure - INTANGIBLE ASSETS, NET (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/IntangibleAssetsNetDetailsNarrative" id="IntangibleAssetsNetDetailsNarrative">
          <link:definition>999037 - Disclosure - INTANGIBLE ASSETS, NET (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/LeaseDetails-OperatingLeases" id="LeaseDetails-OperatingLeases">
          <link:definition>999038 - Disclosure - LEASE (Details - Operating leases)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/LeaseDetails-LeaseMaturity" id="LeaseDetails-LeaseMaturity">
          <link:definition>999039 - Disclosure - LEASE (Details - Lease maturity)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/LeaseDetailsNarrative" id="LeaseDetailsNarrative">
          <link:definition>999040 - Disclosure - LEASE (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CustomerCardFundingLiabilityDetails" id="CustomerCardFundingLiabilityDetails">
          <link:definition>999041 - Disclosure - CUSTOMER CARD FUNDING LIABILITY (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CustomerCardFundingLiabilityDetailsNarrative" id="CustomerCardFundingLiabilityDetailsNarrative">
          <link:definition>999042 - Disclosure - CUSTOMER CARD FUNDING LIABILITY (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/CommonStockDetailsNarrative" id="CommonStockDetailsNarrative">
          <link:definition>999043 - Disclosure - COMMON STOCK (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasicAndFullyDilutedNetIncomeLossPerCommonShareDetails" id="BasicAndFullyDilutedNetIncomeLossPerCommonShareDetails">
          <link:definition>999044 - Disclosure - BASIC AND FULLY DILUTED NET INCOME (LOSS) PER COMMON SHARE (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/BasicAndFullyDilutedNetIncomeLossPerCommonShareDetails-1" id="BasicAndFullyDilutedNetIncomeLossPerCommonShareDetails-1">
          <link:definition>999045 - Disclosure - BASIC AND FULLY DILUTED NET INCOME (LOSS) PER COMMON SHARE (Details - 1)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/RelatedPartyDetailsNarrative" id="RelatedPartyDetailsNarrative">
          <link:definition>999046 - Disclosure - RELATED PARTY (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/IncomeTaxDetails-EffectiveTaxRates" id="IncomeTaxDetails-EffectiveTaxRates">
          <link:definition>999047 - Disclosure - INCOME TAX (Details - Effective tax rates)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://paysign.com/role/IncomeTaxDetailsNarrative" id="IncomeTaxDetailsNarrative">
          <link:definition>999048 - Disclosure - INCOME TAX (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:linkbaseRef xlink:type="simple" xlink:href="pays-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="pays-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="pays-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="pays-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2024" schemaLocation="https://xbrl.sec.gov/dei/2024/dei-2024.xsd" />
    <import namespace="http://fasb.org/us-gaap/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd" />
    <import namespace="http://fasb.org/us-types/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-types-2024.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/ecd/2024" schemaLocation="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2024" schemaLocation="https://xbrl.sec.gov/country/2024/country-2024.xsd" />
    <import namespace="http://fasb.org/srt/2024" schemaLocation="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd" />
    <import namespace="http://fasb.org/srt-types/2024" schemaLocation="https://xbrl.fasb.org/srt/2024/elts/srt-types-2024.xsd" />
    <element id="PAYS_PlasmaIndustryMember" name="PlasmaIndustryMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_PharmaIndustryMember" name="PharmaIndustryMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_OtherRevenueMember" name="OtherRevenueMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_ReimbursementReceivablesMember" name="ReimbursementReceivablesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_OnePharmaPatientCustomerMember" name="OnePharmaPatientCustomerMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_IntangibleAssetsMember" name="IntangibleAssetsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_ContractAssetsMember" name="ContractAssetsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_HostingImplementationMember" name="HostingImplementationMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_SellingGeneralAndAdministrativeExpenseMember" name="SellingGeneralAndAdministrativeExpenseMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_GammaInnovationLLCMember" name="GammaInnovationLLCMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_BreakageRevenueMember" name="BreakageRevenueMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_SettlementRevenueMember" name="SettlementRevenueMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_PresentValueOfFutureCashPaidMember" name="PresentValueOfFutureCashPaidMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_CashPaidAndToBePaidMember" name="CashPaidAndToBePaidMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_StockConsiderationPaidAndToBePaidMember" name="StockConsiderationPaidAndToBePaidMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_AcquiredTechnologiesMember" name="AcquiredTechnologiesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_WebsiteCostsMember" name="WebsiteCostsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_PatentsAndTrademarksMember" name="PatentsAndTrademarksMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_TechnologyPlatformMember" name="TechnologyPlatformMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_CustomerListsAndContractsMember" name="CustomerListsAndContractsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_LicensesMember" name="LicensesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_NonCompeteAgreementMember" name="NonCompeteAgreementMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_OfficeSpaceMember" name="OfficeSpaceMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_AdditionalOfficeSpaceMember" name="AdditionalOfficeSpaceMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_VestedStockAwardsAndStockOptionsExercisedMember" name="VestedStockAwardsAndStockOptionsExercisedMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_StockOptionsMember" name="StockOptionsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_UnvestedRestrictedStockOptionsMember" name="UnvestedRestrictedStockOptionsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_GovernmentAssistanceMember" name="GovernmentAssistanceMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_RepurchaseOfSharesForTaxWithholding" name="RepurchaseOfSharesForTaxWithholding" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_ChangeInFairValueOfContingentConsideration" name="ChangeInFairValueOfContingentConsideration" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_PaymentsToAcquireAssetsBusinessCombination" name="PaymentsToAcquireAssetsBusinessCombination" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_PaymentsOnOtherLiability" name="PaymentsOnOtherLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_NoncashAssetsAcquiredInBusinessCombination" name="NoncashAssetsAcquiredInBusinessCombination" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_NoncashLiabilitiesIncurredInBusinessCombination" name="NoncashLiabilitiesIncurredInBusinessCombination" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_CommonStockIssuedInBusinessCombination" name="CommonStockIssuedInBusinessCombination" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_DisclosureLeaseAbstract" name="DisclosureLeaseAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_RestrictedCashPolicyPolicyTextBlock" name="RestrictedCashPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_CustomerCardFundingPolicyTextBlock" name="CustomerCardFundingPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_RecentlyIssuedAccountingPronouncementNotYetAdoptedPolicyTextBlock" name="RecentlyIssuedAccountingPronouncementNotYetAdoptedPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_BusinessAcquisitionContingencyAmountOfSettlement" name="BusinessAcquisitionContingencyAmountOfSettlement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_PropertyPlantAndEquipmentEstimatedUsefulLives1" name="PropertyPlantAndEquipmentEstimatedUsefulLives1" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_FiniteLivedIntangibleAssetUsefulLife1" name="FiniteLivedIntangibleAssetUsefulLife1" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_FiniteLivedIntangibleAssetUsefulLife2" name="FiniteLivedIntangibleAssetUsefulLife2" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_LesseeOperatingLeaseLiabilityPaymentDue" name="LesseeOperatingLeaseLiabilityPaymentDue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_LessImputedInterest" name="LessImputedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_CustomerCardFundingLiability" name="CustomerCardFundingLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms1" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms1" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_NetIncomePerCommonShareAbstract" name="NetIncomePerCommonShareAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="PAYS_AntidilutiveSharesAbstract" name="AntidilutiveSharesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
</schema>
