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  <xsd:element id="payd_BusinessCombinationRecognizedLiabilityAssumedAccountsPayableAndAccruedLiabilitiesCurrent" name="BusinessCombinationRecognizedLiabilityAssumedAccountsPayableAndAccruedLiabilitiesCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="payd_BusinessCombinationRecognizedLiabilityAssumedNotesPayableCurrent" name="BusinessCombinationRecognizedLiabilityAssumedNotesPayableCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="payd_CEOCFOMember" name="CEOCFOMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_CorporateOperationsMember" name="CorporateOperationsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_DebtInstrumentDebtDefaultPenaltyAmount" name="DebtInstrumentDebtDefaultPenaltyAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant"/>
  <xsd:element id="payd_DeferredCompensationArrangementWithIndividualSharesSubjectToRepurchase" name="DeferredCompensationArrangementWithIndividualSharesSubjectToRepurchase" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="payd_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_FinancingReceivableInterestRateStatedPercentage" name="FinancingReceivableInterestRateStatedPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="payd_FinancingReceivableTerm" name="FinancingReceivableTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="instant"/>
  <xsd:element id="payd_GeographicConcentrationsPolicyPolicyTextBlock" name="GeographicConcentrationsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_InterestAndDefaultIncomeAccruedOnNoteReceivable" name="InterestAndDefaultIncomeAccruedOnNoteReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="payd_InvestmentExpirationTerm" name="InvestmentExpirationTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="instant"/>
  <xsd:element id="payd_InvestmentIncomeRightToRecordAdditionalInterest" name="InvestmentIncomeRightToRecordAdditionalInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="payd_InvestmentPurchasePricePercentageOfOriginalPrincipal" name="InvestmentPurchasePricePercentageOfOriginalPrincipal" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="payd_IssuanceOfCommonSharesInSettlementOfAccruedExpenses" name="IssuanceOfCommonSharesInSettlementOfAccruedExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="payd_LesseeOperatingLeasesAndFinanceLeaseTextBlock" name="LesseeOperatingLeasesAndFinanceLeaseTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_LiquidityAndManagementsPlansPolicyPolicyTextBlock" name="LiquidityAndManagementsPlansPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_MerchantProcessingServicesMember" name="MerchantProcessingServicesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_NetPropertyAndEquipmentMember" name="NetPropertyAndEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_NetWorkingCapital" name="NetWorkingCapital" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="payd_NoteReceivableOverAllotmentOption" name="NoteReceivableOverAllotmentOption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="payd_NoteReceivablePotentialInvestmentAmount" name="NoteReceivablePotentialInvestmentAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="payd_NoteReceivablePurchaseDiscount" name="NoteReceivablePurchaseDiscount" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="payd_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_NotesReceivableConvertedOwnershipPercentage" name="NotesReceivableConvertedOwnershipPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="payd_NotesReceivableInterestReceivableAndInvestment" name="NotesReceivableInterestReceivableAndInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="payd_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_NumberOfMajorCustomers" name="NumberOfMajorCustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_PaymentOfAccruedStockBonus" name="PaymentOfAccruedStockBonus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_PreferredStockCouponPaymentObligationPercentageOfLiquidationValuePerShare" name="PreferredStockCouponPaymentObligationPercentageOfLiquidationValuePerShare" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_RemainingNotesReceivableConvertedOwnershipPercentage" name="RemainingNotesReceivableConvertedOwnershipPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="payd_SecuritiesPurchaseAgreementMember" name="SecuritiesPurchaseAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_ShippingCoordinationAndLabelGenerationServicesMember" name="ShippingCoordinationAndLabelGenerationServicesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_StockIssuedDuringPeriodSharesAccruedBonus" name="StockIssuedDuringPeriodSharesAccruedBonus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_StockIssuedDuringPeriodSharesSigningBonus" name="StockIssuedDuringPeriodSharesSigningBonus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_StockIssuedDuringPeriodValueAccruedBonus" name="StockIssuedDuringPeriodValueAccruedBonus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="payd_StockIssuedDuringPeriodValueSigningBonus" name="StockIssuedDuringPeriodValueSigningBonus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_StringSolutionsLLCMember" name="StringSolutionsLLCMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_TechnologyAndSoftwareMember" name="TechnologyAndSoftwareMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_ThreeBoardMembersMember" name="ThreeBoardMembersMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_WarehousingServicesMember" name="WarehousingServicesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_WarehowzFoundersMember" name="WarehowzFoundersMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_WarehowzIncMember" name="WarehowzIncMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_WeightedAverageDiscountRateAbstract" name="WeightedAverageDiscountRateAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_WeightedAverageRemainingLeaseTermAbstract" name="WeightedAverageRemainingLeaseTermAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="payd_WeightedAverageRemainingLeaseTermAndDiscountRateTableTextBlock" name="WeightedAverageRemainingLeaseTermAndDiscountRateTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-segment-information-details" name="statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-segment-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-segment-information-details8206C580-87F1-4EEA-B85E-186BD03DCEB7" name="statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-segment-information-details8206C580-87F1-4EEA-B85E-186BD03DCEB7" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-1-organization-and-significant-accounting-policies-tables" name="statement-statement-note-1-organization-and-significant-accounting-policies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-3-accrued-expenses-schedule-of-accrued-expenses-details" name="statement-statement-note-3-accrued-expenses-schedule-of-accrued-expenses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-3-accrued-expenses-tables" name="statement-statement-note-3-accrued-expenses-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-4-intangible-assets-and-acquisitions-intangible-assets-acquired-details" name="statement-statement-note-4-intangible-assets-and-acquisitions-intangible-assets-acquired-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-4-intangible-assets-and-acquisitions-tables" name="statement-statement-note-4-intangible-assets-and-acquisitions-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-4-intangible-assets-schedule-of-intangible-assets-details" name="statement-statement-note-4-intangible-assets-schedule-of-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-4-intangible-assets-schedule-of-intangible-assets-detailsC91CAF18-79F9-46FB-BF9C-F06596703DC8" name="statement-statement-note-4-intangible-assets-schedule-of-intangible-assets-detailsC91CAF18-79F9-46FB-BF9C-F06596703DC8" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-7-leases-schedule-of-lease-expense-details" name="statement-statement-note-7-leases-schedule-of-lease-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-7-leases-schedule-of-lease-terms-details" name="statement-statement-note-7-leases-schedule-of-lease-terms-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-7-leases-schedule-of-operating-lease-minimum-payments-details" name="statement-statement-note-7-leases-schedule-of-operating-lease-minimum-payments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-7-leases-schedule-of-supplemental-balance-sheet-information-details" name="statement-statement-note-7-leases-schedule-of-supplemental-balance-sheet-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-7-leases-tables" name="statement-statement-note-7-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-note-intangible-assets-and-acquisitions-schedule-of-net-assets-acquired-details" name="statement-statement-note-intangible-assets-and-acquisitions-schedule-of-net-assets-acquired-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="payd_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
