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  <xsd:element abstract="true" id="usio_LeaseOfSelectComputerEquipmentMember" name="LeaseOfSelectComputerEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_LongTermDebtMaturitiesRemainingBalanceYearFive" name="LongTermDebtMaturitiesRemainingBalanceYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="usio_LongTermDebtMaturitiesRemainingBalanceYearFour" name="LongTermDebtMaturitiesRemainingBalanceYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="usio_LongTermDebtMaturitiesRemainingBalanceYearOne" name="LongTermDebtMaturitiesRemainingBalanceYearOne" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="usio_LongTermDebtMaturitiesRemainingBalanceYearThree" name="LongTermDebtMaturitiesRemainingBalanceYearThree" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="usio_LongTermDebtMaturitiesRemainingBalanceYearTwo" name="LongTermDebtMaturitiesRemainingBalanceYearTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="usio_LouisHochMember" name="LouisHochMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_MaximumMatchedMember" name="MaximumMatchedMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_MerchantReservesCurrent" name="MerchantReservesCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="usio_MerchantServicesMember" name="MerchantServicesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_MichaelWhiteMember" name="MichaelWhiteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_MichelleMillerMember" name="MichelleMillerMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_NetOperatingLossNotSubjectToExpiration" name="NetOperatingLossNotSubjectToExpiration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_NonEmployeeDirectorsMember" name="NonEmployeeDirectorsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_NumberOfMajorCustomers" name="NumberOfMajorCustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_OfficeSpaceExecutiveOfficesAndOperationsMember" name="OfficeSpaceExecutiveOfficesAndOperationsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_OfficersDirectorsAndEmployeesMember" name="OfficersDirectorsAndEmployeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_OperatingLeaseAnnualExpense" name="OperatingLeaseAnnualExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="usio_OperatingLeaseFixedOperatingExpense" name="OperatingLeaseFixedOperatingExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="usio_OperatingLeaseInterestExpense" name="OperatingLeaseInterestExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="usio_OperatingLeasesAreaLeased" name="OperatingLeasesAreaLeased" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:areaItemType" xbrli:periodType="instant"/>
  <xsd:element id="usio_OrganizationPolicyTextBlock" name="OrganizationPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_OutputSolutionsEmployeesAndWarehouseOperationsMember" name="OutputSolutionsEmployeesAndWarehouseOperationsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_OutputSolutionsInterestMember" name="OutputSolutionsInterestMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_OutputSolutionsMember" name="OutputSolutionsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_Over3PercentMatchedMember" name="Over3PercentMatchedMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_OwnershipPercentage" name="OwnershipPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_PostageMember" name="PostageMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_PrepaidCardLoadAssetsCurrent" name="PrepaidCardLoadAssetsCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="usio_PrepaidCardLoadAssetsPolicyPolicyTextBlock" name="PrepaidCardLoadAssetsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_PrepaidCardLoadLiabilitiesCurrent" name="PrepaidCardLoadLiabilitiesCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="usio_PrepaidCardServicesInterestRevenueMember" name="PrepaidCardServicesInterestRevenueMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_PrepaidCardServicesRevenueMember" name="PrepaidCardServicesRevenueMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_ProceedsFromPaymentsForAssetsHeldForCustomers" name="ProceedsFromPaymentsForAssetsHeldForCustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_ProcessingMember" name="ProcessingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_RestrictedCashLiabilityCurrent" name="RestrictedCashLiabilityCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="usio_RevenueFromContractWithCustomerAmountChange" name="RevenueFromContractWithCustomerAmountChange" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="usio_RevenueFromContractWithCustomerPercentageChange" name="RevenueFromContractWithCustomerPercentageChange" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_ReversalOfDeferredCompensationAmortization" name="ReversalOfDeferredCompensationAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="usio_ReversalOfDeferredCompensationAmortizationShares" name="ReversalOfDeferredCompensationAmortizationShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_SanAntonioTXMember" name="SanAntonioTXMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_ServicesMember" name="ServicesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_SettlementProcessingAssets" name="SettlementProcessingAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="usio_SettlementProcessingLiabilities" name="SettlementProcessingLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="usio_ShareBasedCompensationArrangementByShareBasedaymentAwardContingencyPercentageOfTotalCommonSharesOutstandingRequired" name="ShareBasedCompensationArrangementByShareBasedaymentAwardContingencyPercentageOfTotalCommonSharesOutstandingRequired" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="usio_SharesWithheldPricePerShare" name="SharesWithheldPricePerShare" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="usio_StockBuybackProgramMember" name="StockBuybackProgramMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_TaxYearsBefore2018Member" name="TaxYearsBefore2018Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_TaxYearsStartingIn2018Member" name="TaxYearsStartingIn2018Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_The2023EmployeeStockPurchasePlanMember" name="The2023EmployeeStockPurchasePlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_TriplePayPlayLawsuitMember" name="TriplePayPlayLawsuitMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_UsiosMotionForReconsiderationOfOrderGrantingPlaintiffsSupplementalRule166gMember" name="UsiosMotionForReconsiderationOfOrderGrantingPlaintiffsSupplementalRule166gMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="usio_ValuationAllowancesAndReservesTransfers" name="ValuationAllowancesAndReservesTransfers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_WarrantsIssuedToAcquireInformationManagementSolutionsLLCMember" name="WarrantsIssuedToAcquireInformationManagementSolutionsLLCMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-1-description-of-business-and-summary-of-significant-accounting-policies-schedule-of-disaggregation-of-revenue-details" name="statement-statement-note-1-description-of-business-and-summary-of-significant-accounting-policies-schedule-of-disaggregation-of-revenue-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-1-description-of-business-and-summary-of-significant-accounting-policies-tables" name="statement-statement-note-1-description-of-business-and-summary-of-significant-accounting-policies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-10-segment-reporting-reconciliation-of-profit-loss-details" name="statement-statement-note-10-segment-reporting-reconciliation-of-profit-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-10-segment-reporting-segment-reconciliation-details" name="statement-statement-note-10-segment-reporting-segment-reconciliation-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-10-segment-reporting-tables" name="statement-statement-note-10-segment-reporting-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-11-income-taxes-components-of-income-tax-expense-details" name="statement-statement-note-11-income-taxes-components-of-income-tax-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-11-income-taxes-effective-income-tax-rate-reconciliation-details" name="statement-statement-note-11-income-taxes-effective-income-tax-rate-reconciliation-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-11-income-taxes-schedule-of-net-operating-losses-details" name="statement-statement-note-11-income-taxes-schedule-of-net-operating-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-11-income-taxes-summary-of-deferred-tax-assets-details" name="statement-statement-note-11-income-taxes-summary-of-deferred-tax-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-11-income-taxes-tables" name="statement-statement-note-11-income-taxes-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-12-stock-options-incentive-plans-stock-awards-and-employee-benefit-plan-schedule-of-sharebased-compensation-activity-details" name="statement-statement-note-12-stock-options-incentive-plans-stock-awards-and-employee-benefit-plan-schedule-of-sharebased-compensation-activity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-12-stock-options-incentive-plans-stock-awards-and-employee-benefit-plan-tables" name="statement-statement-note-12-stock-options-incentive-plans-stock-awards-and-employee-benefit-plan-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-13-net-income-loss-per-share-antidilutive-securities-details" name="statement-statement-note-13-net-income-loss-per-share-antidilutive-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-13-net-income-loss-per-share-earnings-per-share-reconciliation-details" name="statement-statement-note-13-net-income-loss-per-share-earnings-per-share-reconciliation-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-13-net-income-loss-per-share-tables" name="statement-statement-note-13-net-income-loss-per-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-2-property-and-equipment-summary-of-property-and-equipment-details" name="statement-statement-note-2-property-and-equipment-summary-of-property-and-equipment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-2-property-and-equipment-tables" name="statement-statement-note-2-property-and-equipment-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-4-valuation-accounts-accounts-receivables-net-and-contract-liabilities-details" name="statement-statement-note-4-valuation-accounts-accounts-receivables-net-and-contract-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-4-valuation-accounts-summary-of-valuation-and-allowance-accounts-details" name="statement-statement-note-4-valuation-accounts-summary-of-valuation-and-allowance-accounts-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-4-valuation-accounts-tables" name="statement-statement-note-4-valuation-accounts-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-5-loans-schedule-of-debt-maturity-details" name="statement-statement-note-5-loans-schedule-of-debt-maturity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-5-loans-tables" name="statement-statement-note-5-loans-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-6-accrued-expenses-summary-of-accrued-expenses-details" name="statement-statement-note-6-accrued-expenses-summary-of-accrued-expenses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-6-accrued-expenses-tables" name="statement-statement-note-6-accrued-expenses-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-7-operating-leases-maturities-of-lease-liabilities-details" name="statement-statement-note-7-operating-leases-maturities-of-lease-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_statement-statement-note-7-operating-leases-tables" name="statement-statement-note-7-operating-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="usio_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>
