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  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-reconciliation-at-federal-statutory-income-tax-rate</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-reconciliation-state-and-local-income-taxes</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-reconciliation-beat-percent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-reconciliation-fdii-percent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-reconciliation-tax-credits</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-reconciliation-tax-contingencies</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-continuing-operations</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/current-federal-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/current-state-and-local-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/current-foreign-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/current-income-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/deferred-federal-income-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/deferred-state-and-local-income-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/deferred-foreign-income-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-tax-reconciliation-income-tax-expense-benefit-at-federal-statutory-income-tax-rate</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-tax-reconciliation-nondeductible-expense-share-based-compensation-cost</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-tax-reconciliation-nondeductible-expense-other</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-reconciliation-nondeductible-expense-share-based-compensation-cost</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effective-income-tax-rate-reconciliation-nondeductible-expense-other</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/net-cash-provided-by-used-in-operating-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/depreciation</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/depreciation-depletion-and-amortization</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/share-based-compensation</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/deferred-income-tax-expense-benefit</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/increase-decrease-in-accounts-receivable</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/increase-decrease-in-other-current-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/increase-decrease-in-other-noncurrent-assets</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/increase-decrease-in-deferred-revenue</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/increase-decrease-in-accounts-payable-trade</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/increase-decrease-in-other-accounts-payable</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/increase-decrease-in-other-noncurrent-liabilities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/net-cash-provided-by-used-in-investing-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-maturities-prepayments-and-calls-of-available-for-sale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-sale-and-maturity-of-available-for-sale-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-hedge-investing-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-maturities-prepayments-and-calls-of-shortterm-investments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/payments-to-acquire-property-plant-and-equipment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/payments-to-acquire-available-for-sale-securities-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/payments-to-acquire-businesses-net-of-cash-acquired</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/payments-for-hedge-investing-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/payments-to-acquire-short-term-investments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/net-cash-provided-by-used-in-financing-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-related-party-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-hedge-financing-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-stock-options-exercised</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-issuance-of-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/repayments-of-related-party-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/repayments-of-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/cash-cash-equivalents-restricted-cash-and-restricted-cash-equivalents-period-increase-decrease-including-exchange-rate-effect</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effect-of-exchange-rate-on-cash-cash-equivalents-restricted-cash-and-restricted-cash-equivalents-including-disposal-group-and-discontinued-operations</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/cash-cash-equivalents-restricted-cash-and-restricted-cash-equivalents</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/fair-value-adjustment-of-warrants</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/foreign-currency-transaction-loss-before-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/operating-lease-payments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ecd-non-peo-neo-avg-comp-actually-paid-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/payments-to-develop-software</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/interest-paid-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-tax-paid-federal-after-refund-received</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-taxes-paid-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/capital-expenditures-incurred-but-not-yet-paid</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-taxes-paid</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/adjustments-to-additional-paid-in-capital-share-based-compensation-stock-options-requisite-service-period-recognition</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/number-of-countries-in-which-entity-operates</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/customer-funds</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/class-of-warrant-or-right-exercise-price-of-warrants-or-rights1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/class-of-warrant-or-right-outstanding</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/share-repurchase-program-excise-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/number-of-reportable-segments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/number-of-operating-segments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/derivative-number-of-instruments-held</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/interest-rate-cash-flow-hedge-gain-loss-to-be-reclassified-during-next12-months-net</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/foreign-currency-cash-flow-hedge-gain-loss-to-be-reclassified-during-next12-months</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ecd-co-selected-measure-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ffd-net-fee-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ecd-non-peo-neo-avg-total-comp-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ecd-peer-group-total-shareholder-rtn-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ecd-total-shareholder-rtn-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ffd-ttl-fee-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ffd-ttl-offset-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ffd-ttl-prevsly-pd-amt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/ffd-ttl-tx-valtn</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/investments-in-affiliates-subsidiaries-associates-and-joint-ventures</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/restricted-cash</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/equity-method-investment-ownership-percentage</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/financing-receivable-recorded-investment-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/long-term-debt-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/derivative-liabilities-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/long-term-debt-noncurrent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/operating-lease-liability-noncurrent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/litigation-reserve</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/operating-lease-liability</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/business-combination-contingent-consideration-liability</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/loss-contingency-estimate-of-possible-loss</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/employee-stock-ownership-plan-esop-fair-value-of-shares-subject-to-repurchase-obligation</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/operating-lease-liability-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/lessee-operating-lease-liability-payments-remainder-of-fiscal-year</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/operating-leases-future-minimum-payments-due-current</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/treasury-stock-common-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/share-based-compensation-arrangement-by-share-based-payment-award-fair-value-assumptions-risk-free-interest-rate-minimum</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/share-based-compensation-arrangement-by-share-based-payment-award-fair-value-assumptions-risk-free-interest-rate-maximum</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/stock-repurchase-program-authorized-amount1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-loss-from-continuing-operations-before-income-taxes-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/income-loss-from-equity-method-investments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/other-comprehensive-income-loss-cash-flow-hedge-gain-loss-after-reclassification-and-tax-parent</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/debt-securities-available-for-sale-unrealized-gain-loss</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/unrealized-gain-loss-on-foreign-currency-derivatives-net-before-tax</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/net-income-loss-available-to-common-stockholders-basic</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/earnings-per-share-basic-and-diluted</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/weighted-average-number-of-share-outstanding-basic-and-diluted</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/temporary-equity-dividends-adjustment</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/interest-expense-related-party</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/excess-tax-benefit-from-share-based-compensation-operating-activities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/stock-granted-during-period-value-sharebased-compensation</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/stock-issued-during-period-shares-conversion-of-convertible-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/stock-redeemed-or-called-during-period-value</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/adjustments-to-additional-paid-in-capital-stock-split</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/temporary-equity-stock-issued-during-period-value-new-issues</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/payments-to-acquire-equity-method-investments</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-issuance-of-long-term-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-repayments-of-long-term-debt-and-capital-securities</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-issuance-of-redeemable-preferred-stock</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-issuance-of-preferred-stock-preference-stock-and-warrants</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/proceeds-from-interest-received</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/repayments-of-long-term-debt</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/effect-of-exchange-rate-on-cash-cash-equivalents-restricted-cash-and-restricted-cash-equivalents</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/conversion-of-stock-amount-converted1</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/supplemental-unemployment-benefits-severance-benefits</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/operating-loss-carryforwards</loc></url>
  <url><loc>https://stock.noler.com/us/stock/payo/related-party-transaction-rate</loc></url>
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