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<xs:schema xmlns:cabpaymentsholdingsplc="http://cabpaymentsholdingsplc.com/xbrl/2023" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dtr="http://www.xbrl.org/dtr/type/2020-01-21" targetNamespace="http://cabpaymentsholdingsplc.com/xbrl/2023" xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <xs:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <xs:import schemaLocation="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor.xsd" namespace="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor" />
  <xs:import schemaLocation="http://www.xbrl.org/lrr/arcrole/esma-arcrole-2018-11-21.xsd" namespace="http://www.esma.europa.eu/xbrl/esef/arcrole/wider-narrower" />
  <xs:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xs:import schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" namespace="http://www.xbrl.org/dtr/type/2020-01-21" />
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="8945007OZHZDN4LW1G21-2023-12-31_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="8945007OZHZDN4LW1G21-2023-12-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="8945007OZHZDN4LW1G21-2023-12-31_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="8945007OZHZDN4LW1G21-2023-12-31_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor-lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor-gen-en.xml" xlink:type="simple" />
      <link:roleType id="ProfitOrLoss" roleURI="http://cabpaymentsholdingsplc.com/xbrl/2023/roles/ProfitOrLoss">
        <link:definition>01 - Profit or loss</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfComprehensiveIncome" roleURI="http://cabpaymentsholdingsplc.com/xbrl/2023/roles/StatementOfComprehensiveIncome">
        <link:definition>02 - Statement of comprehensive income</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfFinancialPosition" roleURI="http://cabpaymentsholdingsplc.com/xbrl/2023/roles/StatementOfFinancialPosition">
        <link:definition>03 - Statement of financial position</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NotesAndMandatoryItems" roleURI="http://cabpaymentsholdingsplc.com/xbrl/2023/roles/NotesAndMandatoryItems">
        <link:definition>04 - Notes and Mandatory Items</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfChangesInEquity" roleURI="http://cabpaymentsholdingsplc.com/xbrl/2023/roles/StatementOfChangesInEquity">
        <link:definition>05 - Statement of changes in equity</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfCashFlows" roleURI="http://cabpaymentsholdingsplc.com/xbrl/2023/roles/StatementOfCashFlows">
        <link:definition>06 - Statement of cash flows</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Anchoring" roleURI="http://cabpaymentsholdingsplc.com/xbrl/2023/roles/Anchoring">
        <link:definition>99 - Groups all anchored elements</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="cabpaymentsholdingsplc_GainsOnMoneyMarketFunds" xbrli:balance="credit" xbrli:periodType="duration" name="GainsOnMoneyMarketFunds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_RevenueNetOfInterestExpense" xbrli:balance="credit" xbrli:periodType="duration" name="RevenueNetOfInterestExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_RecurringOperatingExpenses" xbrli:balance="debit" xbrli:periodType="duration" name="RecurringOperatingExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_NonRecurringOperatingExpenses" xbrli:balance="debit" xbrli:periodType="duration" name="NonRecurringOperatingExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_MoneyMarketFunds" xbrli:balance="debit" xbrli:periodType="instant" name="MoneyMarketFunds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_LoansAndAdvancesOnDemandToBanks" xbrli:balance="debit" xbrli:periodType="instant" name="LoansAndAdvancesOnDemandToBanks" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_OtherLoansAndAdvancesToBanks" xbrli:balance="debit" xbrli:periodType="instant" name="OtherLoansAndAdvancesToBanks" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_UnsettledTransactionsAssets" xbrli:balance="debit" xbrli:periodType="instant" name="UnsettledTransactionsAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_TotalAssetsLessHeldForSale" xbrli:balance="debit" xbrli:periodType="instant" name="TotalAssetsLessHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_UnsettledTransactionsLiabilities" xbrli:balance="credit" xbrli:periodType="instant" name="UnsettledTransactionsLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_TotalLiabilitiesLessHeldForSale" xbrli:balance="credit" xbrli:periodType="instant" name="TotalLiabilitiesLessHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_CapitalInjectionInSubsidiary" xbrli:balance="credit" xbrli:periodType="duration" name="CapitalInjectionInSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_ChangeInOwnershipInterestInSubsidiary" xbrli:balance="debit" xbrli:periodType="duration" name="ChangeInOwnershipInterestInSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_FXTranslationsAdjustment" xbrli:balance="credit" xbrli:periodType="duration" name="FXTranslationsAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_ChangeInNCIPercentage" xbrli:balance="credit" xbrli:periodType="duration" name="ChangeInNCIPercentage" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="cabpaymentsholdingsplc_DescriptionOfAccountingPolicyForNetForeignExchangeGain" xbrli:periodType="duration" name="DescriptionOfAccountingPolicyForNetForeignExchangeGain" nillable="true" substitutionGroup="xbrli:item" type="dtr:textBlockItemType" />
  <xs:element id="cabpaymentsholdingsplc_DisclosureOfInvestmentInDebtSecurities" xbrli:periodType="duration" name="DisclosureOfInvestmentInDebtSecurities" nillable="true" substitutionGroup="xbrli:item" type="dtr:textBlockItemType" />
  <xs:element id="cabpaymentsholdingsplc_DisclosureOfAccruedIncome" xbrli:periodType="duration" name="DisclosureOfAccruedIncome" nillable="true" substitutionGroup="xbrli:item" type="dtr:textBlockItemType" />
  <xs:element id="cabpaymentsholdingsplc_DisclosureOfCustomerAccounts" xbrli:periodType="duration" name="DisclosureOfCustomerAccounts" nillable="true" substitutionGroup="xbrli:item" type="dtr:textBlockItemType" />
  <xs:element id="cabpaymentsholdingsplc_DisclosureOfUnsettledTransactionsAccrualsAndOtherLiabilities" xbrli:periodType="duration" name="DisclosureOfUnsettledTransactionsAccrualsAndOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="dtr:textBlockItemType" />
  <xs:element id="cabpaymentsholdingsplc_DisclosureOfConsiderationOfClimateChange" xbrli:periodType="duration" name="DisclosureOfConsiderationOfClimateChange" nillable="true" substitutionGroup="xbrli:item" type="dtr:textBlockItemType" />
</xs:schema>