Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Operating activities:
Net (loss)	$ (3,059,195)	$ (3,587,534)
Adjustments to reconcile net (loss) to net cash provided / (used) by operating activities:
Depreciation	410,254	725,291
Amortization	750,001	750,000
Non-cash stock-based compensation	903,326	954,770
Amortization of warrant costs	26,958	26,955
Changes in current assets and current liabilities:
Accounts receivable	54,631	55,504
Prepaid expenses and other	(1,534)	(111,230)
Operating lease right-of-use assets	172,166	(2,547,803)
Other assets	(18,363)	(26,665)
Accounts payable and accrued expenses	(71,309)	294,717
Operating lease liabilities	(168,458)	2,700,742
Prepaid card load obligations	7,378,146	189,854
Merchant reserves	(1,782,500)	(2,443,899)
Deferred revenue	(39,705)	116,765
Deferred rent		(79,748)
Net cash provided (used) by operating activities	4,554,418	(2,982,281)
Investing activities:
Purchases of property and equipment	(582,347)	(536,405)
Net cash (used) by investing activities	(582,347)	(536,405)
Financing activities:
Proceeds from PPP Loan Program	813,500
Proceeds from public offering, net of expenses	7,257,925	1,793,905
Proceeds from private offering	3,000,000
Purchases of treasury stock	(180,311)	(52,584)
Net cash provided by financing activities	10,891,114	1,741,321
Change in cash, cash equivalents, prepaid card load assets and merchant reserves	14,863,185	(1,777,365)
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	27,546,103	13,563,615
Supplemental disclosure of cash flow information:
Interest
Income taxes	93,525	82,206
Issuance of deferred stock compensation	$ 1,559,520