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  <xs:element id="mq_DFSServicesLLCMember" abstract="true" name="DFSServicesLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mq_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseSection162mLimitationPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="mq_TemporaryEquitySharesConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquitySharesConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mq_ShareBasedPaymentArrangementTrancheFiveMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_MarketableSecuritiesMember" abstract="true" name="MarketableSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mq_ShareBasedCompensationArrangementByShareBasedPaymentAwardTermsOfAwardSharePriceFairMarketValueThresholdPercent" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardTermsOfAwardSharePriceFairMarketValueThresholdPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="mq_CompensationAndBenefitsAndTechnologyExpensesMember" abstract="true" name="CompensationAndBenefitsAndTechnologyExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mq_TemporaryEquityStockIssuedDuringPeriodSharesNewIssues" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodSharesNewIssues" 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="xbrli:decimalItemType"/>
  <xs:element id="mq_ConnexpayLLCMember" abstract="true" name="ConnexpayLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mq_EmployeeStockOptionExcludingCEOLongTermPerformanceAwardMember" abstract="true" name="EmployeeStockOptionExcludingCEOLongTermPerformanceAwardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="mq_IssuanceOfCommonStockUponExerciseOfCommonStockWarrants" abstract="false" name="IssuanceOfCommonStockUponExerciseOfCommonStockWarrants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="mq_CommonStockSharesNumberOfVote" abstract="false" name="CommonStockSharesNumberOfVote" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="mq_OtherServicesRevenueMember" abstract="true" name="OtherServicesRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
