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  <xs:element id="mq_TemporaryEquitySharesConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquitySharesConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mq_IssuanceOfCommonStockUponExerciseOfCommonStockWarrantsAmount" abstract="false" name="IssuanceOfCommonStockUponExerciseOfCommonStockWarrantsAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_PowerFinanceIncMember" abstract="true" name="PowerFinanceIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_EffectiveIncomeTaxRateReconciliationMergersAndAcquisitionsPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationMergersAndAcquisitionsPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="mq_ShareBasedPaymentArrangementOptionTenPercentStockholdersMember" abstract="true" name="ShareBasedPaymentArrangementOptionTenPercentStockholdersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_MarketableSecuritiesMember" abstract="true" name="MarketableSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_ConnexpayLLCMember" abstract="true" name="ConnexpayLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_ShareBasedPaymentArrangementTrancheSixMember" abstract="true" name="ShareBasedPaymentArrangementTrancheSixMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_ShareBasedCompensationArrangementByShareBasedPaymentAwardStockPriceHurdle" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardStockPriceHurdle" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="mq_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfTranche" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfTranche" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="mq_CardProgramDeposits" abstract="false" name="CardProgramDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_A2023ShareRepurchaseProgramMember" abstract="true" name="A2023ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_DeferredTaxAssetsOperatingLeaseLiability" abstract="false" name="DeferredTaxAssetsOperatingLeaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_DFSServicesLLCMember" abstract="true" name="DFSServicesLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseExecutiveCompensationPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseExecutiveCompensationPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="mq_CommonStockWarrantsMember" abstract="true" name="CommonStockWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_ConcentrationRiskCreditRiskFinancialInstrumentsNumberOfInvestments" abstract="false" name="ConcentrationRiskCreditRiskFinancialInstrumentsNumberOfInvestments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="mq_AccruedLiabilitiesAndOtherLiabilitiesCurrent" abstract="false" name="AccruedLiabilitiesAndOtherLiabilitiesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_RevenueFromContractWithCustomerStandardContractTerm" abstract="false" name="RevenueFromContractWithCustomerStandardContractTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="mq_NonCashPostCombinationCompensationExpense" abstract="false" name="NonCashPostCombinationCompensationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_BusinessCombinationConsiderationTransferredPostcombinationCashAndNonCashExpense" abstract="false" name="BusinessCombinationConsiderationTransferredPostcombinationCashAndNonCashExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_CompensationAndBenefitsAndTechnologyExpensesMember" abstract="true" name="CompensationAndBenefitsAndTechnologyExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_OtherServicesRevenueMember" abstract="true" name="OtherServicesRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_PlatformServiceRevenueNetMember" abstract="true" name="PlatformServiceRevenueNetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_WarrantConversionConvertedInstrumentWarrantsIssuedForWarrants" abstract="false" name="WarrantConversionConvertedInstrumentWarrantsIssuedForWarrants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mq_OperatingLeaseNumberOfSquareFeet" abstract="false" name="OperatingLeaseNumberOfSquareFeet" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:areaItemType"/>
  <xs:element id="mq_ShareBasedPaymentArrangementTrancheFourMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_AccountingPoliciesAndSupplementalInformationTable" abstract="true" name="AccountingPoliciesAndSupplementalInformationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="mq_BusinessCombinationConsiderationTransferredPostcombinationCashNonCashExpenseAndOtherPurchaseAdjustment" abstract="false" name="BusinessCombinationConsiderationTransferredPostcombinationCashNonCashExpenseAndOtherPurchaseAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_BusinessCombinationConsiderationTransferredNonCashPostcombinationCompensation" abstract="false" name="BusinessCombinationConsiderationTransferredNonCashPostcombinationCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_SuttonBankMember" abstract="true" name="SuttonBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_DefinedContributionRequisiteServicePeriod" abstract="false" name="DefinedContributionRequisiteServicePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="mq_RealizedGainLossOnInvestmentsInvestingActivities" abstract="false" name="RealizedGainLossOnInvestmentsInvestingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_AccountingPoliciesAndSupplementalInformationLineItems" abstract="true" name="AccountingPoliciesAndSupplementalInformationLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="mq_IncreaseDecreaseInAccruedMarketingCosts" abstract="false" name="IncreaseDecreaseInAccruedMarketingCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_BusinessCombinationConsiderationTransferredPostcombinationCashCombinationLiabilitySubjectToContinuousEmployment" abstract="false" name="BusinessCombinationConsiderationTransferredPostcombinationCashCombinationLiabilitySubjectToContinuousEmployment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_CloudComputingServiceAgreementMember" abstract="true" name="CloudComputingServiceAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_RevenueRemainingPerformanceObligationOptionalExemptionAmount" abstract="false" name="RevenueRemainingPerformanceObligationOptionalExemptionAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_StockIssuanceCostsIncurredButNotYetPaid" abstract="false" name="StockIssuanceCostsIncurredButNotYetPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_RestrictedCashAndCashEquivalentsCurrentMember" abstract="true" name="RestrictedCashAndCashEquivalentsCurrentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_A2011And2021StockOptionAndIncentivePlanMember" abstract="true" name="A2011And2021StockOptionAndIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="mq_ClassOfWarrantOrRightReductionToRevenuesNet" abstract="false" name="ClassOfWarrantOrRightReductionToRevenuesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_TemporaryEquityAmountConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquityAmountConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="mq_A2022ShareRepurchaseProgramMember" abstract="true" name="A2022ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
