Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Current assets:
Cash and cash equivalents	$ 1,793,252	$ 2,137,580
Accounts receivable, net	1,124,207	1,274,001
Settlement processing assets	27,002,450	38,906,780
Prepaid card load assets	19,281,293	528,434
Prepaid expenses and other	187,614	183,575
Current assets before merchant reserves	49,388,816	43,030,370
Merchant reserves	8,430,339	10,016,904
Total current assets	57,819,155	53,047,274
Property and equipment, net	1,624,269	1,557,521
Other assets:
Intangibles, net	2,176,426	2,676,427
Deferred tax asset	1,394,000	1,394,000
Operating lease right-of-use assets	2,366,775	2,480,902
Other assets	428,623	404,055
Total other assets	6,365,824	6,955,384
Total assets	65,809,248	61,560,179
Current liabilities:
Accounts payable	262,363	419,849
Accrued expenses	1,378,289	1,360,551
Operating lease liabilities, current portion	233,738	356,184
Settlement processing obligations	27,002,450	38,906,780
Prepaid card load obligations	19,281,293	528,434
Deferred revenues	97,059	123,529
PPP Loan payable, current portion	383,738
Current liabilities before merchant reserve obligations	48,638,930	41,695,327
Merchant reserve obligations	8,430,339	10,016,904
Total current liabilities	57,069,269	51,712,231
Non-current liabilities:
PPP Loan payable, non-current portion	429,762
Operating lease liabilities, non-current portion	2,291,334	2,279,613
Total liabilities	59,790,365	53,991,844
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at June 30, 2020 (unaudited) and December 31, 2019, respectively
Common stock, $0.001 par value, 200,000,000 shares authorized; 19,776,121 and 18,224,577 issued, and 18,595,358 and 17,104,998 outstanding at June 30, 2020 (unaudited) and December 31, 2019, respectively	188,207	186,656
Additional paid-in capital	78,773,990	77,055,273
Treasury stock, at cost; 1,180,763 and 1,119,579 shares at June 30, 2020 (unaudited) and December 31, 2019, respectively	(1,967,900)	(1,885,452)
Deferred compensation	(6,700,248)	(5,636,154)
Accumulated deficit	(64,275,166)	(62,151,988)
Total stockholders’ equity	6,018,883	7,568,335
Total liabilities and stockholders’ equity	$ 65,809,248	$ 61,560,179