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  <xs:element name="WarrantsGranted" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_WarrantsGranted"/>
  <xs:element name="IssuanceOfSharesAndWarrantsInEauityRaiseValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="fpay_IssuanceOfSharesAndWarrantsInEauityRaiseValue"/>
  <xs:element name="ExercisePriceDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ExercisePriceDomain"/>
  <xs:element name="SeriesTwoPreferredStockWarrantsOutstanding" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_SeriesTwoPreferredStockWarrantsOutstanding"/>
  <xs:element name="WarrantWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_WarrantWeightedAverageRemainingContractualTerm"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueGranted" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueGranted"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedIntrinsicValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisedIntrinsicValue"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeitedIntrinsicValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeitedIntrinsicValue"/>
  <xs:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm2" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm2"/>
  <xs:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageContractualTermyears" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageContractualTermyears"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableAggregateIntrinsicValue1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExercisableAggregateIntrinsicValue1"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpiredAggregateIntrinsicValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpiredAggregateIntrinsicValue"/>
  <xs:element name="StockOptionsDetailsScheduleofmeasuredfairvalueofeachoptionawardgrantusingtheblackscholesnertonBSMpricingmodelTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="fpay_StockOptionsDetailsScheduleofmeasuredfairvalueofeachoptionawardgrantusingtheblackscholesnertonBSMpricingmodelTable"/>
  <xs:element name="StockOptionsDetailsScheduleofmeasuredfairvalueofeachoptionawardgrantusingtheblackscholesnertonBSMpricingmodelLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_StockOptionsDetailsScheduleofmeasuredfairvalueofeachoptionawardgrantusingtheblackscholesnertonBSMpricingmodelLineItems"/>
  <xs:element name="BusinessDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="fpay_BusinessDetailsTable"/>
  <xs:element name="BusinessDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_BusinessDetailsLineItems"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="fpay_SummaryofSignificantAccountingPoliciesDetailsTable"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_SummaryofSignificantAccountingPoliciesDetailsLineItems"/>
  <xs:element name="AccountsReceivableChargedOffAgainstAllowance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_AccountsReceivableChargedOffAgainstAllowance"/>
  <xs:element name="InterestExpenseDebtIncludingAmortization" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_InterestExpenseDebtIncludingAmortization"/>
  <xs:element name="RevenueRecognition" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_RevenueRecognition"/>
  <xs:element name="OperatingLeasesRentExpenseMonthlyRent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="fpay_OperatingLeasesRentExpenseMonthlyRent"/>
  <xs:element name="TermOfLease" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TermOfLease"/>
  <xs:element name="ConversionOfStockOptionsIntoCommonStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="fpay_ConversionOfStockOptionsIntoCommonStock"/>
  <xs:element name="AgreementDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_AgreementDomain"/>
  <xs:element name="PromissoryNotesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="fpay_PromissoryNotesDetailsTable"/>
  <xs:element name="PromissoryNotesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_PromissoryNotesDetailsLineItems"/>
  <xs:element name="BearInterestRate" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="fpay_BearInterestRate"/>
  <xs:element name="DescriptionOfNotesAmendedAndRestated" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_DescriptionOfNotesAmendedAndRestated"/>
  <xs:element name="ShortTermDebtLenderPayment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_ShortTermDebtLenderPayment"/>
  <xs:element name="NetOfUnamortizedIssuanceCosts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_NetOfUnamortizedIssuanceCosts"/>
  <xs:element name="CapitalStructureDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="fpay_CapitalStructureDetailsTable"/>
  <xs:element name="CapitalStructureDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_CapitalStructureDetailsLineItems"/>
  <xs:element name="PreferredStockDesignated" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="fpay_PreferredStockDesignated"/>
  <xs:element name="AdditionalConvertiblePreferredStockSharesIssuedUponConversion" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_AdditionalConvertiblePreferredStockSharesIssuedUponConversion"/>
  <xs:element name="AdditionalProceedsFromIssuanceOrSaleOfEquity" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_AdditionalProceedsFromIssuanceOrSaleOfEquity"/>
  <xs:element name="PreferredStockStatedValuePerShare" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_PreferredStockStatedValuePerShare"/>
  <xs:element name="ConvertiblePreferredStockTermOfConversionDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ConvertiblePreferredStockTermOfConversionDescription"/>
  <xs:element name="WarrantsExercisableForSharesOfCommonStock" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_WarrantsExercisableForSharesOfCommonStock"/>
  <xs:element name="WarrantExercisePrice" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_WarrantExercisePrice"/>
  <xs:element name="DescriptionOfWarrantsExpiration" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_DescriptionOfWarrantsExpiration"/>
  <xs:element name="WarrantDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_WarrantDescription"/>
  <xs:element name="WarrantsExpirationPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_WarrantsExpirationPeriod"/>
  <xs:element name="ValuationExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="fpay_ValuationExpenses"/>
  <xs:element name="WeightedAverageValuation" type="num:perShareItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="fpay_WeightedAverageValuation"/>
  <xs:element name="WarrantsConvertibleIntoCommonStock" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="fpay_WarrantsConvertibleIntoCommonStock"/>
  <xs:element name="StockOptionsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="fpay_StockOptionsDetailsTable"/>
  <xs:element name="StockOptionsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_StockOptionsDetailsLineItems"/>
  <xs:element name="PlanVestOverPeriodDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_PlanVestOverPeriodDescription"/>
  <xs:element name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="fpay_IncomeTaxesDetailsTable"/>
  <xs:element name="IncomeTaxesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_IncomeTaxesDetailsLineItems"/>
  <xs:element name="OperatingLossCarryForwardsExpirationPeriod" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OperatingLossCarryForwardsExpirationPeriod"/>
  <xs:element name="WarrantOffered" type="num:perShareItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="fpay_WarrantOffered"/>
  <xs:element name="DeemedDividend" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="fpay_DeemedDividend"/>
  <xs:element name="AgreementAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="fpay_AgreementAxis"/>
  <xs:element name="ExercisePriceAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem" id="fpay_ExercisePriceAxis"/>
  <xs:element name="ActualPositionMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ActualPositionMember"/>
  <xs:element name="CommonStockOptionsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_CommonStockOptionsMember"/>
  <xs:element name="ComputersAndSoftwareMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ComputersAndSoftwareMember"/>
  <xs:element name="ConsultantMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ConsultantMember"/>
  <xs:element name="ConvertiblePreferredStockSeriesTwoMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ConvertiblePreferredStockSeriesTwoMember"/>
  <xs:element name="ConvertibleSeriesTwoPreferredStockMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ConvertibleSeriesTwoPreferredStockMember"/>
  <xs:element name="ConvertibleSeriesTwoPreferredStockUponExerciseOfWarrantsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ConvertibleSeriesTwoPreferredStockUponExerciseOfWarrantsMember"/>
  <xs:element name="CreditAgreementMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_CreditAgreementMember"/>
  <xs:element name="FebruaryTwentyNineTwentyTwentyOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_FebruaryTwentyNineTwentyTwentyOneMember"/>
  <xs:element name="FinanceLeasesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_FinanceLeasesMember"/>
  <xs:element name="FivePointFiveZeroMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_FivePointFiveZeroMember"/>
  <xs:element name="FlexLendingLLCMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_FlexLendingLLCMember"/>
  <xs:element name="JanuaryThirtyFirstTwentyTwentyOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_JanuaryThirtyFirstTwentyTwentyOneMember"/>
  <xs:element name="JanuaryTwoThousandEighteenNoteMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_JanuaryTwoThousandEighteenNoteMember"/>
  <xs:element name="MarchThirtyOneTwentyTwentyOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_MarchThirtyOneTwentyTwentyOneMember"/>
  <xs:element name="NrnsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_NrnsMember"/>
  <xs:element name="OmnibusEquityCompensationPlanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OmnibusEquityCompensationPlanMember"/>
  <xs:element name="OneCommaTwoFiveZeroMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OneCommaTwoFiveZeroMember"/>
  <xs:element name="OnePointFiftyFourMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointFiftyFourMember"/>
  <xs:element name="OnePointFourZeroMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointFourZeroMember"/>
  <xs:element name="OnePointNineFiveMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointNineFiveMember"/>
  <xs:element name="OnePointNineOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointNineOneMember"/>
  <xs:element name="OnePointSevenFourMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointSevenFourMember"/>
  <xs:element name="OnePointSevenSixMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointSevenSixMember"/>
  <xs:element name="OnePointSixEightMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointSixEightMember"/>
  <xs:element name="OnePointSixNineMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointSixNineMember"/>
  <xs:element name="OnePointSixTwoMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointSixTwoMember"/>
  <xs:element name="OnePointThreeFourMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointThreeFourMember"/>
  <xs:element name="OnePointTwoFiveMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OnePointTwoFiveMember"/>
  <xs:element name="OneTwentyTwoPartnersLLCMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OneTwentyTwoPartnersLLCMember"/>
  <xs:element name="OperatingLeasesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_OperatingLeasesMember"/>
  <xs:element name="PromissoryNotesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_PromissoryNotesMember"/>
  <xs:element name="RequiredCovenantMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_RequiredCovenantMember"/>
  <xs:element name="SeriesConvertiblePreferredStockMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_SeriesConvertiblePreferredStockMember"/>
  <xs:element name="SeriesConvertiblePreferredStockOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_SeriesConvertiblePreferredStockOneMember"/>
  <xs:element name="SeriesOneConvertiblePreferredStockMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_SeriesOneConvertiblePreferredStockMember"/>
  <xs:element name="ThreePointOneSevenMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ThreePointOneSevenMember"/>
  <xs:element name="ThreePointZeroNineMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_ThreePointZeroNineMember"/>
  <xs:element name="TwoPintFiveThreeMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPintFiveThreeMember"/>
  <xs:element name="TwoPointEightNineMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPointEightNineMember"/>
  <xs:element name="TwoPointFiveSevenMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPointFiveSevenMember"/>
  <xs:element name="TwoPointFourFiveMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPointFourFiveMember"/>
  <xs:element name="TwoPointNineThreeMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPointNineThreeMember"/>
  <xs:element name="TwoPointSevenEightMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPointSevenEightMember"/>
  <xs:element name="TwoPointZeroEightMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPointZeroEightMember"/>
  <xs:element name="TwoPointZeroOneMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPointZeroOneMember"/>
  <xs:element name="TwoPointZeroZeroMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_TwoPointZeroZeroMember"/>
  <xs:element name="WebsiteAndInternalUseSoftwareMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_WebsiteAndInternalUseSoftwareMember"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fpay_DocumentAndEntityInformationAbstract"/>
</xs:schema>
