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  <xsd:element id="wu_ForeignExchangeRevenues" name="ForeignExchangeRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="wu_GainLossExcludedFromEffectivenessTestingRecognizedInOtherComprehensiveIncomeBasedOnAmortizationApproach" name="GainLossExcludedFromEffectivenessTestingRecognizedInOtherComprehensiveIncomeBasedOnAmortizationApproach" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="wu_MaximumIndividualCurrencyExposureWithinOther" name="MaximumIndividualCurrencyExposureWithinOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="wu_NetChangeInSettlementObligations" name="NetChangeInSettlementObligations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="wu_NumberOfConsumersInTransaction" name="NumberOfConsumersInTransaction" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_NumberOfDerivativeInstrumentsTerminated" name="NumberOfDerivativeInstrumentsTerminated" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="wu_NumberOfGeographicRegionsInSegment" name="NumberOfGeographicRegionsInSegment" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_NumberOfIntegratedServices" name="NumberOfIntegratedServices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="wu_NumberOfPerformanceObligations" name="NumberOfPerformanceObligations" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="wu_SettlementAssetsAllowanceForCreditLosses" name="SettlementAssetsAllowanceForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="wu_SettlementAssetsCashAndCashEquivalents" name="SettlementAssetsCashAndCashEquivalents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="wu_SettlementAssetsIncludingDiscontinuedOperationsCurrent" name="SettlementAssetsIncludingDiscontinuedOperationsCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="wu_SettlementAssetsInvestmentSecurities" name="SettlementAssetsInvestmentSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="wu_SettlementAssetsInvestmentSecuritiesNet" name="SettlementAssetsInvestmentSecuritiesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="wu_SettlementLiabilitiesIncludingDiscontinuedOperationsCurrent" name="SettlementLiabilitiesIncludingDiscontinuedOperationsCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="wu_SettlementObligationsMoneyTransferMoneyOrderAndPaymentServicePayables" name="SettlementObligationsMoneyTransferMoneyOrderAndPaymentServicePayables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="wu_SettlementObligationsPayablesToAgents" name="SettlementObligationsPayablesToAgents" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="wu_StockRepurchasedAndRetiredDuringPeriodExcludingWTCAndCommissionsAverageCostPerShare" name="StockRepurchasedAndRetiredDuringPeriodExcludingWTCAndCommissionsAverageCostPerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_StockRepurchasedAndRetiredDuringPeriodExcludingWTCandCommissionsValue" name="StockRepurchasedAndRetiredDuringPeriodExcludingWTCandCommissionsValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="wu_StockRepurchasedAndRetiredDuringPeriodExcludingWTCShares" name="StockRepurchasedAndRetiredDuringPeriodExcludingWTCShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_VariableRateDemandNotesMaximumMaturityYear" name="VariableRateDemandNotesMaximumMaturityYear" type="xbrli:gYearItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_ScheduleofLongtermandShorttermDebtInstrumentsLineItems" name="ScheduleofLongtermandShorttermDebtInstrumentsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_BusinessSolutionsMember" name="BusinessSolutionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_CommercialAgreementMember" name="CommercialAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_ConsumerBillPaymentsMember" name="ConsumerBillPaymentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_ConsumerMoneyTransfersMember" name="ConsumerMoneyTransfersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_ConsumerToConsumerMember" name="ConsumerToConsumerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_CorporateAndOtherDebtSecuritiesMember" name="CorporateAndOtherDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_EastAsiaAndOceaniaMember" name="EastAsiaAndOceaniaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_EuropeAndCisMember" name="EuropeAndCisMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_EuropeAndRussiaCisMember" name="EuropeAndRussiaCisMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_EuropeanUnionAndUnitedKingdomOperationsMember" name="EuropeanUnionAndUnitedKingdomOperationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_ForeignCurrencyDenominatedCashPositionsMember" name="ForeignCurrencyDenominatedCashPositionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_ForeignExchangeAndPaymentServicesMember" name="ForeignExchangeAndPaymentServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_GainOnDivestitureOfBusinessMember" name="GainOnDivestitureOfBusinessMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_LatinAmericaAndCaribbeanMember" name="LatinAmericaAndCaribbeanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_MiddleEastAfricaAndSouthAsiaMember" name="MiddleEastAfricaAndSouthAsiaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NonSettlementInvestmentMember" name="NonSettlementInvestmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NorthAmericaMemberMember" name="NorthAmericaMemberMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NotesPayable2022Member" name="NotesPayable2022Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NotesPayable2023Member" name="NotesPayable2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NotesPayable2025Member" name="NotesPayable2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NotesPayable2026Member" name="NotesPayable2026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NotesPayable2031Member" name="NotesPayable2031Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NotesPayable2036Member" name="NotesPayable2036Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_NotesPayable2040Member" name="NotesPayable2040Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_OtherCurrencyMember" name="OtherCurrencyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_OtherServicesMember" name="OtherServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_PensionSettlementChargesMember" name="PensionSettlementChargesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_PrivateCompanyMember" name="PrivateCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_ReceivablesFromBusinessSolutionsCustomersMember" name="ReceivablesFromBusinessSolutionsCustomersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_ReceivablesFromSellingAgentsMember" name="ReceivablesFromSellingAgentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_RevenueMember" name="RevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_RussiaAndBelarusMember" name="RussiaAndBelarusMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_SaudiDigitalPaymentsCompanyMember" name="SaudiDigitalPaymentsCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_SettlementAssetsMember" name="SettlementAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_SettlementInvestmentsMember" name="SettlementInvestmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_ShareRepurchaseAuthorizationThroughDecemberThirtyOneTwoThousandTwentyFourMember" name="ShareRepurchaseAuthorizationThroughDecemberThirtyOneTwoThousandTwentyFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_UncollectedSettlementAssetsAndObligationsMember" name="UncollectedSettlementAssetsAndObligationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_DerivativesForeignCurrencyBusinessSolutionsPolicyTextBlock" name="DerivativesForeignCurrencyBusinessSolutionsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_DerivativesForeignCurrencyPolicyTextBlock" name="DerivativesForeignCurrencyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_DerivativesInterestRateHedgingPolicyTextBlock" name="DerivativesInterestRateHedgingPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_ScheduleofLongtermandShorttermDebtInstrumentsTable" name="ScheduleofLongtermandShorttermDebtInstrumentsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="wu_SettlementAssetsAndObligationsTableTextBlock" name="SettlementAssetsAndObligationsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_DivestituresAndInvestmentActivitiesDisclosureTextBlock" name="DivestituresAndInvestmentActivitiesDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="wu_SettlementAssetsAndObligationsAndNonSettlementRelatedInvestmentsDisclosureTextBlock" name="SettlementAssetsAndObligationsAndNonSettlementRelatedInvestmentsDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
</xsd:schema>
