Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating Activities
Net (loss)	$ (5,115,747)	$ (3,775,815)
Adjustments to reconcile net (loss) to net cash (used) by operating activities:
Depreciation	1,022,520	875,638
Amortization	1,000,000	1,000,000
Provision for loss on note receivable	108,750	36,250
Non-cash stock-based compensation	1,292,419	1,251,779
Amortization of warrant costs	35,940	8,985
Issuance of stock to consultant	0	7,911
Changes in operating assets and liabilities:
Accounts receivable	(59,646)	(244,681)
Prepaid expenses and other	(81,853)	75,223
Operating lease right-of-use assets	(2,480,902)
Other assets	(97,298)	(149,192)
Accounts payable and accrued expenses	619,505	42,574
Operating lease liabilities	2,635,797
Prepaid card load obligations	(7,045)	346,802
Merchant reserves	(2,628,899)	(2,331,665)
Deferred revenue	103,529	20,000
Deferred rent	(79,748)	79,748
Net cash (used) by operating activities	(3,732,678)	(2,756,443)
Investing Activities
Purchases of property and equipment	(647,383)	(703,112)
Repayment of note receivable	0	5,000
Net cash (used) by investing activities	(647,383)	(698,112)
Financing Activities
Proceeds from public offering, net of expenses	1,793,905	0
Purchases of treasury stock	(71,906)	(982,487)
Net cash (used) provided by financing activities	1,721,999	(982,487)
Change in cash, cash equivalents and merchant reserves	(2,658,062)	(4,437,042)
Cash, cash equivalents, prepaid card loads and merchant reserves, beginning of year	15,340,980	19,778,022
Cash, Cash Equivalents, Prepaid Card Load Assets and Merchant Reserves, End of Year	12,682,918	15,340,980
Supplemental disclosures of cash flow information
Interest	0	0
Income taxes	82,206	49,000
Non-cash transactions:
Issuance of deferred stock compensation	$ 273,000	$ 303,750