Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Operating Activities
Net (loss)	$ (3,775,815)	$ (3,008,785)
Adjustments to reconcile net (loss) to net cash (used) by operating activities:
Depreciation	875,638	761,660
Amortization	1,000,000	496,472
Bad debt expense	36,250	71,667
Non-cash stock-based compensation	1,251,779	968,141
Amortization of warrant costs	8,985	0
Issuance of stock to consultant	7,911	40,200
Deferred income tax	0	227,000
Changes in operating assets and liabilities:
Accounts receivable	(244,681)	(133,591)
Prepaid expenses and other	75,223	(34,916)
Other assets	(149,192)	43,243
Accounts payable and accrued expenses	389,376	458,632
Merchant reserves	(2,331,665)	(826,173)
Deferred revenue	20,000	0
Deferred rent	79,748	0
Net cash (used) by operating activities	(2,756,443)	(936,450)
Investing Activities
Purchases of property and equipment	(703,112)	(372,337)
Purchase of Singular Payments, LLC	0	(900,000)
Advance to Singular Payments, LLC	0	(600,000)
Repayment of note receivable	5,000	50,000
Net cash (used) by investing activities	(698,112)	(1,822,337)
Financing Activities
Proceeds from public offering, net of expenses	0	2,725,340
Purchases of treasury stock	(982,487)	(112,910)
Net cash (used) provided by financing activities	(982,487)	2,612,430
Change in cash, cash equivalents and merchant reserves	(4,437,042)	(146,357)
Cash, cash equivalents and merchant reserves, beginning of year	19,778,022	19,924,379
Cash, Cash Equivalents and Merchant Reserves, End of Year	15,340,980	19,778,022
Supplemental disclosures of cash flow information
Interest	0	0
Income taxes	49,000	45,000
Non-cash transactions:
Issuance of common stock in exchange for purchases of Singular Payments, LLC	0	3,500,000
Forgiveness of note receivable in exchange for purchase of Singular Payments, LLC	0	600,000
Issuance of deferred stock compensation	$ 303,750	$ 3,713,688