CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities:
Net loss	$ (2,721,334)	$ (9,141,562)
Adjustments to reconcile net income loss to net cash provided by operating activities:
Stock-based compensation expense	2,280,931	2,971,777
Depreciation and amortization	2,497,918	2,124,762
Noncash lease expense	331,027	188,977
Impairment of intangible asset	0	382,414
Loss on abandonment of assets	0	42,898
Deferred income taxes	0	917,480
Changes in operating assets and liabilities:
Accounts receivable	(2,881,843)	237,077
Other receivables	(876,456)	0
Prepaid expenses and other current assets	132,397	(20,544)
Accounts payable and accrued liabilities	3,603,222	815,853
Operating lease liability	(320,636)	(121,037)
Customer card funding	13,182,963	15,377,724
Net cash provided by operating activities	15,228,189	13,775,819
Cash flows from investing activities:
Purchase of fixed assets	(328,566)	(1,383,311)
Capitalization of internally developed software	(2,288,680)	(1,880,283)
Purchase of intangible assets	(62,418)	(81,261)
Net cash used in investing activities	(2,679,664)	(3,344,855)
Cash flows from financing activities:
Proceeds from exercise of stock options	192,141	172,560
Repurchase of employee common stock for taxes withheld	0	(245,425)
Net cash provided by (used in) financing activities	192,141	(72,865)
Net change in cash and restricted cash	12,740,666	10,358,099
Cash and restricted cash, beginning of period	55,930,404	45,572,305
Cash and restricted cash, end of period	68,671,070	55,930,404
Cash	7,387,156	7,829,453
Restricted cash	61,283,914	48,100,951
Total cash and restricted cash	68,671,070	55,930,404
Non-cash financing activities
Operating lease right-of-use asset and operating lease liability	0	4,455,271
Issuance of stock for asset acquisition	0	177,200
Dissolution of noncontrolling interest	0	263,087
Interest paid	4,587	0
Cash paid for taxes	$ 4,073	$ 0