Condensed Consolidated Statements of Cash Flows - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Operating activities:
Net (loss)	$ (835,009)	$ (1,072,889)
Adjustments to reconcile net (loss) to net cash (used) by operating activities:
Depreciation	137,795	236,548
Amortization	250,000	250,000
Non-cash stock-based compensation	287,710	283,408
Amortization of warrant costs	8,985	8,985
Changes in current assets and current liabilities:
Accounts receivable	191,693	79,588
Prepaid expenses and other	(58,844)	(139,847)
Operating lease right-of-use assets	56,727	(2,616,128)
Other assets	(20,694)	(14,074)
Accounts payable and accrued expenses	(165,975)	43,398
Operating lease liabilities	(54,767)	2,749,493
Prepaid card load obligations	53,141	437,647
Merchant reserves	(1,492,000)	(1,347,909)
Deferred revenue	(13,235)	(15,000)
Deferred rent	0	(79,748)
Net cash (used) by operating activities	(1,654,473)	(1,196,528)
Investing activities:
Purchases of property and equipment	(152,654)	(152,923)
Net cash (used) by investing activities	(152,654)	(152,923)
Financing activities:
Proceeds from public offering, net of expenses	0	1,793,905
Purchases of treasury stock	(26,629)	(21,822)
Net cash provided (used) by financing activities	(26,629)	1,772,083
Change in cash, cash equivalents, prepaid card load assets and merchant reserves	(1,833,756)	422,632
Cash, cash equivalents, prepaid card load assets and merchant reserves, beginning of period	12,682,918	15,340,980
Cash, Cash Equivalents, Prepaid Card Load Assets and Merchant Reserves, End of Period	10,849,162	15,763,612
Supplemental disclosure of cash flow information:
Interest	0	0
Income taxes	$ 0	$ 0