Balance Sheets - USD ($) $ in Thousands		Oct. 31, 2020	Jan. 31, 2020
Current:
Cash and cash equivalents		$ 254,118	$ 90,315
Settlement assets		12,267	12,368
Accounts receivable, net of allowances		27,594	21,978
Deferred contract acquisition costs		1,708	1,720
Prepaid expenses and other current assets		6,825	5,157
Total current assets		302,512	131,538
Property and equipment, net of accumulated depreciation and amortization of $42,665 and $35,551		19,160	14,487
Capitalized internal-use software, net of accumulated amortization of $23,907 and $19,554		9,986	8,735
Operating lease right-of-use assets	[1]	3,192	0
Deferred contract acquisition costs		1,227	1,594
Intangible assets, net of accumulated amortization of $450 and $271		1,020	1,199
Deferred tax asset		496	775
Goodwill		250	250
Other assets		207	180
Total assets		338,050	158,758
Current:
Settlement obligations		12,267	12,368
Current portion of debt and finance lease liabilities		4,722	2,324
Current portion of operating lease liabilities	[1]	1,288	0
Accounts payable		4,215	6,017
Accrued expenses		12,662	9,243
Deferred revenue		6,623	5,401
Total current liabilities		41,777	35,353
Long term debt and finance lease liabilities		24,439	21,540
Operating lease liabilities, noncurrent	[1]	2,158	0
Total liabilities		68,374	56,893
Commitments and contingencies (Note 12)
Stockholders’ Equity:
Common stock, $0.01 par value - 500,000,000 shares authorized as of October 31, 2020 and January 31, 2020, respectively; 44,039,563 and 36,610,763 shares issued and outstanding as of October 31, 2020 and January 31, 2020, respectively		440	366
Additional paid-in capital		573,786	386,383
Accumulated deficit		(303,681)	(284,485)
Treasury stock		(869)	(399)
Total Stockholders’ Equity		269,676	101,865
Total Liabilities and Stockholders’ Equity		$ 338,050	$ 158,758

[1] Figures as of October 31, 2020 reflect the Company's February 1, 2020 adoption of Accounting Standards Codification No. 842, Leases (ASC 842). For additional details, see Note 3(c), "Summary of significant accounting policies — Impact of recently adopted accounting pronouncements."