Consolidated Balance Sheets - USD ($)	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and cash equivalents	$ 4,800,554	$ 4,120,738
Accounts receivable, net	969,674	907,750
Settlement processing assets	38,027,984	43,851,311
Prepaid expenses and other	176,945	142,029
Note receivable	150,000	200,000
Current assets before restricted cash	44,125,157	49,221,828
Restricted cash	14,977,468	15,803,641
Total current assets	59,102,625	65,025,469
Property and equipment, net	2,105,186	2,494,510
Other assets:
Intangibles, net	4,676,427	172,899
Deferred tax asset	1,394,000	1,621,000
Other assets	157,565	200,808
Total other assets	6,227,992	1,994,707
Total Assets	67,435,803	69,514,686
Current Liabilities:
Accounts payable	300,736	145,044
Accrued expenses	1,006,262	703,322
Settlement processing obligations	38,027,984	43,851,311
Current liabilities before restricted cash	39,334,982	44,699,677
Restricted cash	14,977,468	15,803,641
Total current liabilities	54,312,450	60,503,318
Stockholders' Equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding in 2017 and 2016	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 16,874,235 and 12,392,288 issued and 16,201,634 and 11,795,939 outstanding in 2017 and 2016 (see Note 11)	186,299	181,818
Additional paid-in capital	74,041,083	63,881,365
Treasury stock, at cost; 672,601 and 596,349 shares in 2017 and 2016 (see Note 11)	(831,059)	(718,149)
Deferred compensation	(7,012,544)	(4,082,025)
Accumulated deficit	(53,260,426)	(50,251,641)
Total stockholders' equity	13,123,353	9,011,368
Total Liabilities and Stockholders' Equity	$ 67,435,803	$ 69,514,686