Condensed Consolidated Balance Sheets - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Current assets:
Cash and cash equivalents	$ 2,636,378	$ 2,159,698
Accounts receivable, net	1,158,851	1,214,355
Settlement processing assets	38,494,805	44,139,861
Prepaid card load assets	725,333	535,479
Prepaid expenses and other	212,952	101,722
Notes receivable, net	108,750	108,750
Current assets before merchant reserves	43,337,069	48,259,865
Merchant reserves	10,201,904	12,645,803
Total current assets	53,538,973	60,905,668
Property and equipment, net	1,743,771	1,932,660
Other assets:
Intangibles, net	2,926,427	3,676,427
Deferred tax asset	1,394,000	1,394,000
Operating lease right-of-use assets	2,547,803
Other assets	333,422	306,757
Total other assets	7,201,652	5,377,184
Total assets	62,484,396	68,215,512
Current liabilities:
Accounts payable	240,724	308,178
Accrued expenses	1,214,888	852,717
Operating lease liabilities, current portion	248,056
Settlement processing obligations	38,494,805	44,139,861
Prepaid card load obligations	725,333	535,479
Deferred revenues	136,765	20,000
Current liabilities before merchant reserve obligations	41,060,571	45,856,235
Merchant reserve obligations	10,201,904	12,645,803
Total current liabilities	51,262,475	58,502,038
Non-current liabilities:
Operating lease liabilities, non-current portion	2,452,686
Deferred rent	0	79,748
Total liabilities	53,715,161	58,581,786
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at September 30, 2019 (unaudited) and December 31, 2018, respectively	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 18,011,077 and 17,129,680 issued, and 16,901,039 and 16,043,630 outstanding at September 30, 2019 (unaudited) and December 31, 2018, respectively	186,442	185,561
Additional paid-in capital	76,658,269	74,568,627
Treasury stock, at cost; 1,110,038 and 1,086,050 shares at September 30, 2019 (unaudited) and December 31, 2018, respectively	(1,866,130)	(1,813,546)
Deferred compensation	(5,585,571)	(6,270,675)
Accumulated deficit	(60,623,775)	(57,036,241)
Total stockholders’ equity	8,769,235	9,633,726
Total liabilities and stockholders’ equity	$ 62,484,396	$ 68,215,512