Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2016	Dec. 31, 2015
Current assets:
Cash and cash equivalents	$ 4,293,590	$ 4,059,606
Accounts receivable, net	1,001,206	1,135,384
Settlement processing assets	41,115,815	39,797,232
Prepaid expenses and other	178,944	149,118
Current assets before restricted cash	46,589,555	45,141,340
Restricted cash	18,110,544	17,972,065
Total current assets	64,700,099	63,113,405
Property and equipment, net	2,675,836	3,077,421
Other assets:
Intangibles, net	213,682	341,816
Deferred tax asset	1,621,000	1,621,000
Note receivable	200,000
Other assets	199,746	202,849
Total other assets	2,234,428	2,165,665
Total assets	69,610,363	68,356,491
Current liabilities:
Accounts payable	166,959	143,180
Accrued expenses	810,799	1,328,738
Settlement processing obligations	41,115,815	39,797,232
Current liabilities before restricted cash	42,093,573	41,269,150
Restricted cash	18,110,544	17,972,065
Total current liabilities	60,204,117	59,241,215
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at September 30, 2016 (unaudited) and December 31, 2015	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 12,592,591 and 12,379,537 issued, and 12,242,959 and 12,029,905 outstanding at September 30, 2016 (unaudited) and December 31, 2015, respectively	185,751	185,533
Additional paid-in capital	64,859,920	64,302,498
Treasury stock, at cost; 349,632 and 349,632 shares	(286,393)	(286,394)
Deferred compensation	(5,344,769)	(6,031,362)
Accumulated deficit	(50,008,263)	(49,054,999)
Total stockholders’ equity	9,406,246	9,115,276
Total liabilities and stockholders’ equity	$ 69,610,363	$ 68,356,491