Consolidated Balance Sheets - USD ($)	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and cash equivalents	$ 2,137,580	$ 2,159,698
Accounts receivable, net	1,274,001	1,214,355
Settlement processing assets	38,906,780	44,139,861
Prepaid card load assets	528,434	535,479
Prepaid expenses and other	183,575	101,722
Note receivable, net		108,750
Current assets before merchant reserves	43,030,370	48,259,865
Merchant reserves	10,016,904	12,645,803
Total current assets	53,047,274	60,905,668
Property and equipment, net	1,557,521	1,932,660
Other assets:
Intangibles, net	2,676,427	3,676,427
Deferred tax asset	1,394,000	1,394,000
Operating lease right-of-use assets	2,480,902
Other assets	404,055	306,757
Total other assets	6,955,384	5,377,184
Total Assets	61,560,179	68,215,512
Current Liabilities:
Accounts payable	419,849	308,178
Accrued expenses	1,360,551	852,717
Operating lease liabilities, current portion	356,184
Settlement processing obligations	38,906,780	44,139,861
Prepaid card load obligations	528,434	535,479
Deferred revenues	123,529	20,000
Current liabilities before merchant reserve obligations	41,695,327	45,856,235
Merchant reserve obligations	10,016,904	12,645,803
Total current liabilities	51,712,231	58,502,038
Non-current liabilities:
Operating lease liabilities, non-current portion	2,279,613
Deferred rent	0	79,748
Total liabilities	53,991,844	58,581,786
Stockholders' Equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares issued and outstanding in 2019 and 2018	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 18,224,577 and 17,129,680 issued and 17,104,998 and 16,043,630 outstanding in 2019 and 2018 (see Note 10)	186,656	185,561
Additional paid-in capital	77,055,273	74,568,627
Treasury stock, at cost; 1,119,579 and 1,086,050 shares in 2019 and 2018 (see Note 10)	(1,885,452)	(1,813,546)
Deferred compensation	(5,636,154)	(6,270,675)
Accumulated deficit	(62,151,988)	(57,036,241)
Total stockholders' equity	7,568,335	9,633,726
Total Liabilities and Stockholders' Equity	$ 61,560,179	$ 68,215,512