Consolidated Balance Sheets - USD ($)	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and cash equivalents	$ 4,059,606	$ 2,803,455
Accounts receivable, net	1,135,384	1,037,208
Settlement processing assets	39,797,232	36,525,819
Prepaid expenses and other	149,118	129,258
Current assets before restricted cash	45,141,340	40,495,740
Restricted cash	17,972,065	15,660,577
Total current assets	63,113,405	56,156,317
Property and equipment, net	3,077,421	2,705,517
Other assets:
Intangibles	341,816	412,363
Deferred tax asset	1,621,000	1,621,000
Other assets	202,849	204,112
Total other assets	2,165,665	2,237,475
Total Assets	68,356,491	61,099,309
Current Liabilities:
Accounts payable	143,180	37,808
Accrued expenses	1,328,738	1,851,033
Settlement processing obligations	39,797,232	36,525,819
Current liabilities before restricted cash	41,269,150	38,414,660
Restricted cash	17,972,065	15,660,577
Total current liabilities	59,241,215	54,075,237
Stockholders' Equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding in 2015 and 2014	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 12,379,537 and 12,278,440 issued and 12,029,905 and 11,945,413 outstanding (see Note 12)	185,533	184,177
Additional paid-in capital	64,302,498	62,989,131
Treasury stock, at cost; 349,632 and 333,010 shares (see Note 12)	(286,394)	(238,157)
Deferred compensation	(6,031,362)	(5,839,992)
Accumulated deficit	(49,054,999)	(50,071,087)
Total stockholders' equity	9,115,276	7,024,072
Total Liabilities and Stockholders' Equity	$ 68,356,491	$ 61,099,309