Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 8,392,317	$ 7,155,687
Accounts receivable, net	4,257,022	5,564,138
Settlement processing assets	59,549,564	44,899,603
Prepaid card load assets	22,065,567	31,578,973
Customer deposits	1,824,820	1,865,731
Inventory	400,002	422,808
Prepaid expenses and other	775,310	444,071
Current assets before merchant reserves	97,264,602	91,931,011
Merchant reserves	4,892,601	5,310,095
Total current assets	102,157,203	97,241,106
Property and equipment, net	3,304,601	3,660,092
Other assets:
Intangibles, net	1,099,373	1,753,333
Deferred tax asset, net	4,690,053	1,504,000
Operating lease right-of-use assets	3,012,779	2,420,782
Other assets	340,285	355,357
Total other assets	9,142,490	6,033,472
Total assets	114,604,294	106,934,670
Current liabilities:
Accounts payable	579,618	1,031,141
Accrued expenses	2,879,369	3,801,278
Operating lease liabilities, current portion	553,480	633,616
Equipment loan, current portion	192,206	107,270
Settlement processing obligations	59,549,564	44,899,603
Prepaid card load obligations	22,065,567	31,578,973
Customer deposits	1,824,820	1,865,731
Current liabilities before merchant reserve obligations	87,644,624	83,917,612
Merchant reserve obligations	4,892,601	5,310,095
Total current liabilities	92,537,225	89,227,707
Non-current liabilities:
Equipment loan, net of current portion	562,923	718,980
Operating lease liabilities, net of current portion	2,573,100	1,919,144
Total liabilities	95,673,248	91,865,831
Commitments and contingencies (Note 9)
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at September 30, 2024 (unaudited) and December 31, 2023, respectively	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 29,811,487 and 28,671,606 issued, and 27,216,864 and 26,332,523 outstanding at September 30, 2024 (unaudited) and December 31, 2023, respectively	198,226	197,087
Additional paid-in capital	99,447,552	97,479,830
Treasury stock, at cost; 2,594,623 and 2,339,083 shares at September 30, 2024 (unaudited) and December 31, 2023, respectively	(4,755,916)	(4,362,150)
Deferred compensation	(7,297,234)	(6,907,775)
Accumulated deficit	(68,661,582)	(71,338,153)
Total stockholders’ equity	18,931,046	15,068,839
Total liabilities and stockholders’ equity	$ 114,604,294	$ 106,934,670