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  <xs:element id="bill_FundsHeldForCustomersContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" abstract="false" name="FundsHeldForCustomersContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_FundsHeldForCustomersContinuousUnrealizedLossPosition12MonthsOrLonger" abstract="false" name="FundsHeldForCustomersContinuousUnrealizedLossPosition12MonthsOrLonger" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_FundsHeldForCustomersContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" abstract="false" name="FundsHeldForCustomersContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_FundsHeldForCustomersUnrealizedLossPosition" abstract="false" name="FundsHeldForCustomersUnrealizedLossPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_FundsHeldForCustomersUnrealizedLossPositionAccumulatedLoss" abstract="false" name="FundsHeldForCustomersUnrealizedLossPositionAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_AcquiredCardReceivableAsCollateral" abstract="false" name="AcquiredCardReceivableAsCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_AuthorizedTransactionsButNotCleared" abstract="false" name="AuthorizedTransactionsButNotCleared" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_GracePeriodToPaymentOnAcquiredCardReceivables" abstract="false" name="GracePeriodToPaymentOnAcquiredCardReceivables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bill_CardReceivablesAcquiredDuringThePeriod" abstract="false" name="CardReceivablesAcquiredDuringThePeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_FinancingReceivables90To119DaysPastDueMember" abstract="true" name="FinancingReceivables90To119DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_FinancingReceivablesEqualToGreaterThan119DaysPastDueMember" abstract="true" name="FinancingReceivablesEqualToGreaterThan119DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_AcquiredCardReceivablesGross" abstract="false" name="AcquiredCardReceivablesGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_AllowanceForCreditLossesRollForward" abstract="true" name="AllowanceForCreditLossesRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bill_AcquiredCardReceivablesProvisionForExpectedCreditLosses" abstract="false" name="AcquiredCardReceivablesProvisionForExpectedCreditLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_AcquiredCardReceivablesChargeOffAmounts" abstract="false" name="AcquiredCardReceivablesChargeOffAmounts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_AcquiredCardReceivablesRecoveriesCollected" abstract="false" name="AcquiredCardReceivablesRecoveriesCollected" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_FinancialAsset90To119DaysPastDueMember" abstract="true" name="FinancialAsset90To119DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_FinancialAssetOver120DaysPastDueMember" abstract="true" name="FinancialAssetOver120DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_SoftwareAndEquipmentMember" abstract="true" name="SoftwareAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_TwoThousandTwentyOneRevolvingCreditAgreementMember" abstract="true" name="TwoThousandTwentyOneRevolvingCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_TwoThousandTwentyFiveRevolvingCreditAgreementMember" abstract="true" name="TwoThousandTwentyFiveRevolvingCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_DebtInstrumentWeightedAverageRemainingTerm" abstract="false" name="DebtInstrumentWeightedAverageRemainingTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bill_DebtInstrumentConversionIssuableNumberOfShareUponConversion" abstract="false" name="DebtInstrumentConversionIssuableNumberOfShareUponConversion" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bill_DebtInstrumentPrincipalAmountDenominationForConversionIntoCommonStock" abstract="false" name="DebtInstrumentPrincipalAmountDenominationForConversionIntoCommonStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_DebtInstrumentConvertibleThresholdBusinessDayPeriod" abstract="false" name="DebtInstrumentConvertibleThresholdBusinessDayPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bill_DebtInstrumentConvertibleThresholdConsecutiveTradingDayPeriod" abstract="false" name="DebtInstrumentConvertibleThresholdConsecutiveTradingDayPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bill_ThresholdPercentageOfStockPriceTriggerInMeasurementPeriod" abstract="false" name="ThresholdPercentageOfStockPriceTriggerInMeasurementPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bill_DebtInstrumentConvertibleConversionRatioInMakeWholeFundamentalChange" abstract="false" name="DebtInstrumentConvertibleConversionRatioInMakeWholeFundamentalChange" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="bill_DebtInstrumentConvertibleConversionPriceInMakeWholeFundamentalChange" abstract="false" name="DebtInstrumentConvertibleConversionPriceInMakeWholeFundamentalChange" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="bill_DebtDefaultThresholdPrincipalAmountPercentage" abstract="false" name="DebtDefaultThresholdPrincipalAmountPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bill_GainLossOnExtinguishmentOfDebtAndDerivativesNet" abstract="false" name="GainLossOnExtinguishmentOfDebtAndDerivativesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_CappedCallInitialStrikePrice" abstract="false" name="CappedCallInitialStrikePrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="bill_CappedCallInitialCapPrice" abstract="false" name="CappedCallInitialCapPrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="bill_CapCallsCoverSubjectToAntiDilutionAdjustmentsToCommonStock" abstract="false" name="CapCallsCoverSubjectToAntiDilutionAdjustmentsToCommonStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bill_DebtInstrumentFloorRate" abstract="false" name="DebtInstrumentFloorRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bill_LineOfCreditFacilityMinimumUtilization" abstract="false" name="LineOfCreditFacilityMinimumUtilization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_LineOfCreditFacilityMinimumUtilizationPercentage" abstract="false" name="LineOfCreditFacilityMinimumUtilizationPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bill_DebtInstrumentInitialStartAfterContractExecutionPeriod" abstract="false" name="DebtInstrumentInitialStartAfterContractExecutionPeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bill_TwoThousandAndNineteenEquityIncentivePlanMember" abstract="true" name="TwoThousandAndNineteenEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_EquityIncentivePlansMember" abstract="true" name="EquityIncentivePlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_January2023ShareRepurchaseProgramMember" abstract="true" name="January2023ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_August2024ShareRepurchaseProgramMember" abstract="true" name="August2024ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_August2025ShareRepurchaseProgramMember" abstract="true" name="August2025ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_A2026ShareRepurchaseAuthorizationMember" abstract="true" name="A2026ShareRepurchaseAuthorizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_December2024ShareRepurchaseProgramMember" abstract="true" name="December2024ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_InvestmentIncomeExpense" abstract="false" name="InvestmentIncomeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_GainLossOnExtinguishmentOfDebtNetOfMarkToMarketDerivatives" abstract="false" name="GainLossOnExtinguishmentOfDebtNetOfMarkToMarketDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseLimitationOnExecutiveCompensationAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseLimitationOnExecutiveCompensationAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseLimitationOnExecutiveCompensationPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseLimitationOnExecutiveCompensationPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bill_DeferredTaxAssetsOperatingLeaseLiabilities" abstract="false" name="DeferredTaxAssetsOperatingLeaseLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_DeferredTaxLiabilitiesOperatingRightOfUseAssets" abstract="false" name="DeferredTaxLiabilitiesOperatingRightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_IncomeTaxesTable" abstract="true" name="IncomeTaxesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="bill_IncomeTaxesLineItems" abstract="true" name="IncomeTaxesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bill_UnrecognizedTaxBenefitsAdditionsAbstract" abstract="true" name="UnrecognizedTaxBenefitsAdditionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bill_UnrecognizedTaxBenefitsReductionsAbstract" abstract="true" name="UnrecognizedTaxBenefitsReductionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bill_RestructuringAndRelatedCostExpectedNumberOfPositionsEliminatedPercent" abstract="false" name="RestructuringAndRelatedCostExpectedNumberOfPositionsEliminatedPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bill_RestructuringChargesShareBasedCompensationExpense" abstract="false" name="RestructuringChargesShareBasedCompensationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_AllocationOfDebtIssuanceAmortizationExpenseAndTaxImpactOnGainOnExtinguishmentOfDebt" abstract="false" name="AllocationOfDebtIssuanceAmortizationExpenseAndTaxImpactOnGainOnExtinguishmentOfDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bill_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmountSubjectToAdjustment" abstract="false" name="AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmountSubjectToAdjustment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="bill_ReneLacerteMember" abstract="true" name="ReneLacerteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bill_RohiniJainMember" abstract="true" name="RohiniJainMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
