<?xml version="1.0" encoding="UTF-8" ?>
<schema targetNamespace="http://www.anchorfundingservices.com/20141231" elementFormDefault="qualified"
xmlns:fpay="http://www.anchorfundingservices.com/20141231"
 xmlns="http://www.w3.org/2001/XMLSchema"
 xmlns:link="http://www.xbrl.org/2003/linkbase"
 xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
 xmlns:xl="http://www.xbrl.org/2003/XLink"
 xmlns:xbrli="http://www.xbrl.org/2003/instance"
 xmlns:xlink="http://www.w3.org/1999/xlink"
 xmlns:negated="http://www.xbrl.org/2009/role/negated"
 xmlns:us-gaap="http://fasb.org/us-gaap/2014-01-31"
 xmlns:us-gaap-att="http://fasb.org/us-gaap/attributes"
 xmlns:country="http://xbrl.sec.gov/country/2013-01-31"
 xmlns:currency="http://xbrl.sec.gov/currency/2014-01-31"
 xmlns:dei="http://xbrl.sec.gov/dei/2014-01-31"
 xmlns:exch="http://xbrl.sec.gov/exch/2014-01-31"
 xmlns:invest="http://xbrl.sec.gov/invest/2013-01-31"
 xmlns:naics="http://xbrl.sec.gov/naics/2011-01-31"
 xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31"
 xmlns:us-types="http://fasb.org/us-types/2014-01-31"
 xmlns:stpr="http://xbrl.sec.gov/stpr/2011-01-31"
 xmlns:ref="http://www.xbrl.org/2006/ref"
 xmlns:deprecated="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact"
 xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
 xmlns:num="http://www.xbrl.org/dtr/type/numeric"
>
<annotation><appinfo>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
<link:definition>001 - Document - Document and Entity Information</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/ConsolidatedBalanceSheets" id="ConsolidatedBalanceSheets">
<link:definition>002 - Statement - Consolidated Balance Sheets</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/ConsolidatedBalanceSheetsParentheticals" id="ConsolidatedBalanceSheetsParentheticals">
<link:definition>003 - Statement - Consolidated Balance Sheets (Parentheticals)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/ConsolidatedStatementsOfOperations" id="ConsolidatedStatementsOfOperations">
<link:definition>004 - Statement - Consolidated Statements of Operations</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/ConsolidatedStatementsOfOperationsParenthetical" id="ConsolidatedStatementsOfOperationsParenthetical">
<link:definition>005 - Statement - Consolidated Statements of Operations (Parenthetical)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/ConsolidatedStatementOfStockholdersEquity" id="ConsolidatedStatementOfStockholdersEquity">
<link:definition>006 - Statement - Consolidated Statement of Stockholders' Equity</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/ConsolidatedStatementOfStockholdersEquityParenthetical" id="ConsolidatedStatementOfStockholdersEquityParenthetical">
<link:definition>007 - Statement - Consolidated Statement of Stockholders' Equity (Parenthetical)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/ConsolidatedStatementsOfCashFlows" id="ConsolidatedStatementsOfCashFlows">
<link:definition>008 - Statement - Consolidated Statements of Cash Flows</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/Business" id="Business">
<link:definition>009 - Disclosure - Business</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/Summaryofsignificantaccountingpolicies" id="Summaryofsignificantaccountingpolicies">
<link:definition>010 - Disclosure - Summary of Significant Accounting Policies</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/DiscontinuedOperations" id="DiscontinuedOperations">
<link:definition>011 - Disclosure - Discontinued Operations</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/PropertyAndEquipment" id="PropertyAndEquipment">
<link:definition>012 - Disclosure - Property and Equipment</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/LoansPayableShareholders" id="LoansPayableShareholders">
<link:definition>013 - Disclosure - Loans Payable Shareholders</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/CapitalStructure" id="CapitalStructure">
<link:definition>014 - Disclosure - Capital Structure</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/StockOptions" id="StockOptions">
<link:definition>015 - Disclosure - Stock Options</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/Warrants" id="Warrants">
<link:definition>016 - Disclosure - Warrants</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/IncomeTaxes" id="IncomeTaxes">
<link:definition>017 - Disclosure - Income Taxes</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/CommitmentsAndContingencies" id="CommitmentsAndContingencies">
<link:definition>018 - Disclosure - Commitments and Contingencies</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/EmploymentAgreements" id="EmploymentAgreements">
<link:definition>019 - Disclosure - Employment Agreements</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/FourthQuarterAdjustment" id="FourthQuarterAdjustment">
<link:definition>020 - Disclosure - Fourth Quarter Adjustment</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SubsequentEvents" id="SubsequentEvents">
<link:definition>021 - Disclosure - Subsequent Events</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SummaryOfSignificantAccountingPoliciesPolicies" id="SummaryOfSignificantAccountingPoliciesPolicies">
<link:definition>022 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SummaryOfSignificantAccountingPoliciesTables" id="SummaryOfSignificantAccountingPoliciesTables">
<link:definition>023 - Disclosure - Summary of Significant Accounting Policies (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/DiscontinuedOperationsTables" id="DiscontinuedOperationsTables">
<link:definition>024 - Disclosure - Discontinued Operations (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/PropertyAndEquipmentTables" id="PropertyAndEquipmentTables">
<link:definition>025 - Disclosure - Property and Equipment (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/StockOptionsTables" id="StockOptionsTables">
<link:definition>026 - Disclosure - Stock Options (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/WarrantsTables" id="WarrantsTables">
<link:definition>027 - Disclosure - Warrants (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/IncomeTaxesTables" id="IncomeTaxesTables">
<link:definition>028 - Disclosure - Income Taxes (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/CommitmentsAndContingenciesTables" id="CommitmentsAndContingenciesTables">
<link:definition>029 - Disclosure - Commitments and Contingencies (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/FourthQuarterAdjustmentTables" id="FourthQuarterAdjustmentTables">
<link:definition>030 - Disclosure - Fourth Quarter Adjustment (Tables)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/BusinessDetails" id="BusinessDetails">
<link:definition>031 - Disclosure - Business (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SummaryOfSignificantAccountingPoliciesDetails" id="SummaryOfSignificantAccountingPoliciesDetails">
<link:definition>032 - Disclosure - Summary of Significant Accounting Policies (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SummaryOfSignificantAccountingPoliciesDetails1" id="SummaryOfSignificantAccountingPoliciesDetails1">
<link:definition>033 - Disclosure - Summary of Significant Accounting Policies (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SummaryOfSignificantAccountingPoliciesDetails2" id="SummaryOfSignificantAccountingPoliciesDetails2">
<link:definition>034 - Disclosure - Summary of Significant Accounting Policies (Details 2)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SummaryOfSignificantAccountingPoliciesDetails3" id="SummaryOfSignificantAccountingPoliciesDetails3">
<link:definition>035 - Disclosure - Summary of Significant Accounting Policies (Details 3)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SummaryOfSignificantAccountingPoliciesDetailsTextual" id="SummaryOfSignificantAccountingPoliciesDetailsTextual">
<link:definition>036 - Disclosure - Summary of Significant Accounting Policies (Details Textual)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/DiscontinuedOperationsDetails" id="DiscontinuedOperationsDetails">
<link:definition>037 - Disclosure - Discontinued Operations (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/DiscontinuedOperationsDetails1" id="DiscontinuedOperationsDetails1">
<link:definition>038 - Disclosure - Discontinued Operations (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/DiscontinuedOperationsDetailTextual" id="DiscontinuedOperationsDetailTextual">
<link:definition>039 - Disclosure - Discontinued Operations (Detail Textual)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/PropertyAndEquipmentDetails" id="PropertyAndEquipmentDetails">
<link:definition>040 - Disclosure - Property and Equipment (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/PropertyAndEquipmentDetailsTextual" id="PropertyAndEquipmentDetailsTextual">
<link:definition>041 - Disclosure - Property and Equipment (Details Textual)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/LoansPayableShareholdersDetails" id="LoansPayableShareholdersDetails">
<link:definition>042 - Disclosure - Loans Payable Shareholders (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/CapitalStructureDetails" id="CapitalStructureDetails">
<link:definition>043 - Disclosure - Capital Structure (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/StockOptionsDetails" id="StockOptionsDetails">
<link:definition>044 - Disclosure - Stock Options (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/StockOptionsDetails1" id="StockOptionsDetails1">
<link:definition>045 - Disclosure - Stock Options (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/StockOptionsDetailsTextual" id="StockOptionsDetailsTextual">
<link:definition>046 - Disclosure - Stock Options (Details Textual)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/WarrantsDetails" id="WarrantsDetails">
<link:definition>047 - Disclosure - Warrants (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/WarrantsDetails1" id="WarrantsDetails1">
<link:definition>048 - Disclosure - Warrants (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/WarrantsDetailsTextual" id="WarrantsDetailsTextual">
<link:definition>049 - Disclosure - Warrants (Details Textual)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/IncomeTaxesDetails" id="IncomeTaxesDetails">
<link:definition>050 - Disclosure - Income Taxes (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/IncomeTaxesDetails1" id="IncomeTaxesDetails1">
<link:definition>051 - Disclosure - Income Taxes (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/IncomeTaxesdetailsTextual" id="IncomeTaxesdetailsTextual">
<link:definition>052 - Disclosure - Income Taxes (Details Textual)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/CommitmentsAndContingenciesDetails" id="CommitmentsAndContingenciesDetails">
<link:definition>053 - Disclosure - Commitments and Contingencies (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/CommitmentsAndContingenciesDetailsTextual" id="CommitmentsAndContingenciesDetailsTextual">
<link:definition>054 - Disclosure - Commitments and Contingencies (Details Textual)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/EmploymentAgreementsDetails" id="EmploymentAgreementsDetails">
<link:definition>055 - Disclosure - Employment Agreements (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/FourthQuarterAdjustmentDetails" id="FourthQuarterAdjustmentDetails">
<link:definition>056 - Disclosure - Fourth Quarter Adjustment (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/FourthQuarterAdjustmentDetails1" id="FourthQuarterAdjustmentDetails1">
<link:definition>057 - Disclosure - Fourth Quarter Adjustment (Details 1)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/FourthQuarterAdjustmentDetailsTextual" id="FourthQuarterAdjustmentDetailsTextual">
<link:definition>058 - Disclosure - Fourth Quarter Adjustment (Details Textual)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:roleType roleURI="http://www.anchorfundingservices.com/role/SubsequentEventsDetails" id="SubsequentEventsDetails">
<link:definition>059 - Disclosure - Subsequent Events (Details)</link:definition>
<link:usedOn>link:presentationLink</link:usedOn>
<link:usedOn>link:definitionLink</link:usedOn>
<link:usedOn>link:calculationLink</link:usedOn>
</link:roleType>
<link:linkbaseRef xlink:type="simple" xlink:href="fpay-20141231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
<link:linkbaseRef xlink:type="simple" xlink:href="fpay-20141231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
<link:linkbaseRef xlink:type="simple" xlink:href="fpay-20141231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
<link:linkbaseRef xlink:type="simple" xlink:href="fpay-20141231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
</appinfo></annotation>
<import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
<import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
<import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
<import namespace="http://fasb.org/us-gaap/2014-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd"/>
<import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd"/>
<import namespace="http://xbrl.sec.gov/country/2013-01-31" schemaLocation="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd"/>
<import namespace="http://xbrl.sec.gov/currency/2014-01-31" schemaLocation="http://xbrl.sec.gov/currency/2014/currency-2014-01-31.xsd"/>
<import namespace="http://xbrl.sec.gov/exch/2014-01-31" schemaLocation="http://xbrl.sec.gov/exch/2014/exch-2014-01-31.xsd"/>
<import namespace="http://xbrl.sec.gov/naics/2011-01-31" schemaLocation="http://xbrl.sec.gov/naics/2011/naics-2011-01-31.xsd"/>
<import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd"/>
<import namespace="http://xbrl.sec.gov/stpr/2011-01-31" schemaLocation="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd"/>
<import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
<import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd"/>
<import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd"/>
<import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd"/>
<import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
<import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
<import namespace="http://fasb.org/us-types/2014-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2014/elts/us-types-2014-01-31.xsd"/>
<element name="DocumentAndEntityInformationAbstract" id="fpay_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="LeaseMerchandise" id="fpay_LeaseMerchandise" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="LeaseMerchandiseSold" id="fpay_LeaseMerchandiseSold" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" />
<element name="CostOfLeaseRevenuesFees" id="fpay_CostOfLeaseRevenuesFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="CostOfMerchandiseSold" id="fpay_CostOfMerchandiseSold" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="ReclassificationOfPreferredStockIssuanceCosts" id="fpay_ReclassificationOfPreferredStockIssuanceCosts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="StockholdersReclassification" id="fpay_StockholdersReclassification" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" />
<element name="StockholdersReclassificationShares" id="fpay_StockholdersReclassificationShares" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="AccruedInterestOnShareholderLoansContributedToCapital" id="fpay_AccruedInterestOnShareholderLoansContributedToCapital" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" />
<element name="IncreaseDecreaseInLeaseMerchandise" id="fpay_IncreaseDecreaseInLeaseMerchandise" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="ImpairmentOfLeaseMerchandise" id="fpay_ImpairmentOfLeaseMerchandise" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="CompensationExpenseRelatedToIssuanceOfWarrants" id="fpay_CompensationExpenseRelatedToIssuanceOfWarrants" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="NonCashConversionOfShareholdersLoansToCommonStock" id="fpay_NonCashConversionOfShareholdersLoansToCommonStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" />
<element name="NonCashConversionOfPreferredStockToCommonStock" id="fpay_NonCashConversionOfPreferredStockToCommonStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" />
<element name="BusinessDisclosureAbstract" id="fpay_BusinessDisclosureAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="WarrantsAbstract" id="fpay_WarrantsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="WarrantsDisclosureTextBlock" id="fpay_WarrantsDisclosureTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="EmploymentAgreementAbstract" id="fpay_EmploymentAgreementAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="EmploymentAgreementTextBlock" id="fpay_EmploymentAgreementTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="LeaseMerchandiseTableTextBlock" id="fpay_LeaseMerchandiseTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementTableTextBlock" id="fpay_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ScheduleOfWarrantsValuationAssumptionTableTextBlock" id="fpay_ScheduleOfWarrantsValuationAssumptionTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ScheduleOfStockWarrantsTableTextBlock" id="fpay_ScheduleOfStockWarrantsTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="CapitalLeasesImpairmentReserve" id="fpay_CapitalLeasesImpairmentReserve" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" />
<element name="RevenueRecognition" id="fpay_RevenueRecognition" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="FlexibleOptionsToObtainOwnershipDescription" id="fpay_FlexibleOptionsToObtainOwnershipDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="DisposalGroupIncludingDiscontinuedOperationEarnedButUncollectedFees" id="fpay_DisposalGroupIncludingDiscontinuedOperationEarnedButUncollectedFees" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="DisposalGroupIncludingDiscontinuedOperationDueFromClient" id="fpay_DisposalGroupIncludingDiscontinuedOperationDueFromClient" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="DisposalGroupIncludingDiscontinuedOperationProvisionForCreditLosses" id="fpay_DisposalGroupIncludingDiscontinuedOperationProvisionForCreditLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="DisposalGroupIncludingDiscontinuedOperationNetFinanceRevenues" id="fpay_DisposalGroupIncludingDiscontinuedOperationNetFinanceRevenues" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" />
<element name="DiscontinuedOperationsTextualAbstract" id="fpay_DiscontinuedOperationsTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="DisposalGroupIncludingDiscontinuedOperationEarnoutPayments" id="fpay_DisposalGroupIncludingDiscontinuedOperationEarnoutPayments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" />
<element name="ComputersAndSoftwareMember" id="fpay_ComputersAndSoftwareMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="WebsiteAndInternalUseSoftwareMember" id="fpay_WebsiteAndInternalUseSoftwareMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="PropertyAndEquipmentTextualAbstract" id="fpay_PropertyAndEquipmentTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ScheduleLoanPayableToOfficerTable" id="fpay_ScheduleLoanPayableToOfficerTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" />
<element name="MorryRubinMember" id="fpay_MorryRubinMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="MajorShareholderMember" id="fpay_MajorShareholderMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="MorryRubinAndMajorShareholdersMember" id="fpay_MorryRubinAndMajorShareholdersMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="LineOfCreditPromissoryNoteMember" id="fpay_LineOfCreditPromissoryNoteMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ScheduleOfLoanPayableToOfficerLineItems" id="fpay_ScheduleOfLoanPayableToOfficerLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="NumberOfPromissoryNotes" id="fpay_NumberOfPromissoryNotes" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="SeriesOneConvertiblePreferredStockMember" id="fpay_SeriesOneConvertiblePreferredStockMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="PlacementAgentMember" id="fpay_PlacementAgentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="PreferredStockConvertedIntoCommonStock" id="fpay_PreferredStockConvertedIntoCommonStock" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="RestrictedCommonStockPerShare" id="fpay_RestrictedCommonStockPerShare" type="num:perShareItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" />
<element name="WarrantsToPurchaseCommonStock" id="fpay_WarrantsToPurchaseCommonStock" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="WarrantsToPurchaseCommonStockDescription" id="fpay_WarrantsToPurchaseCommonStockDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="OfferingPrice" id="fpay_OfferingPrice" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageExercisePrice" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageExercisePrice" type="num:perShareItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" />
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedWeightedAverageRemainingContractualTerm" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsCanceledWeightedAverageRemainingContractualTerm" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsCanceledWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedWeightedAverageRemainingContractualTerm" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageRemainingContractualTerm" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableAggregateIntrinsicValue" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableAggregateIntrinsicValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableNumber" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableNumber" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" />
<element name="OmnibusEquityCompensationPlanMember" id="fpay_OmnibusEquityCompensationPlanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="DirectorOneMember" id="fpay_DirectorOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="OfficerAndDirectorMember" id="fpay_OfficerAndDirectorMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="OptionIssuedToPurchaseCommonStock" id="fpay_OptionIssuedToPurchaseCommonStock" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="UnrecognizedCompensationCostRelatedToNon-VestedOptions" id="fpay_UnrecognizedCompensationCostRelatedToNon-VestedOptions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="WarrantWeightedAverageRemainingContractualTerm" id="fpay_WarrantWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="WarrantAxis" id="fpay_WarrantAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" />
<element name="WarrantDomain" id="fpay_WarrantDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ExercisePriceAxis" id="fpay_ExercisePriceAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" />
<element name="ExercisePriceDomain" id="fpay_ExercisePriceDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="DollarOnePointOneZeroMember" id="fpay_DollarOnePointOneZeroMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="DollarOneMember" id="fpay_DollarOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="DollerZeroPointFiveFiveMember" id="fpay_DollerZeroPointFiveFiveMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="ExtendedDateAxis" id="fpay_ExtendedDateAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" />
<element name="ExtendedDateDomain" id="fpay_ExtendedDateDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="WarrantsExtendedBy31January2014Member" id="fpay_WarrantsExtendedBy31January2014Member" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="WarrantsExtendedBy31January2018Member" id="fpay_WarrantsExtendedBy31January2018Member" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="IncomeTaxReconciliationPermanentItems" id="fpay_IncomeTaxReconciliationPermanentItems" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="OperatingLossCarryForwardsExpirationPeriod" id="fpay_OperatingLossCarryForwardsExpirationPeriod" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="FlexshopperMember" id="fpay_FlexshopperMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="NumberOfLeases" id="fpay_NumberOfLeases" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="OperatingLeasesRentExpenseMonthlyRent" id="fpay_OperatingLeasesRentExpenseMonthlyRent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" />
<element name="TermOfLease" id="fpay_TermOfLease" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="FormerCheifExecutiveOfficerMember" id="fpay_FormerCheifExecutiveOfficerMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="EmploymentAgreementExpirationDate" id="fpay_EmploymentAgreementExpirationDate" type="xbrli:dateItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="PercentageOfHealthInsurancePremium" id="fpay_PercentageOfHealthInsurancePremium" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" />
<element name="ScenarioAdjustedMember" id="fpay_ScenarioAdjustedMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="QuarterlyFinancialInformationDisclosureTextualAbstract" id="fpay_QuarterlyFinancialInformationDisclosureTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="TwoThousandSevenPlanMember" id="fpay_TwoThousandSevenPlanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="SubsequentEventTextualAbstract" id="fpay_SubsequentEventTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
<element name="NumberOfAuthorizedSharesIncrease" id="fpay_NumberOfAuthorizedSharesIncrease" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" />
</schema>
