Consolidated Balance Sheets - USD ($)	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and cash equivalents	$ 5,011,132	$ 2,137,580
Accounts receivable, net	2,863,638	1,274,001
Settlement processing assets	43,558,442	38,906,780
Prepaid card load assets	7,610,242	528,434
Customer deposits	1,305,296
Inventory	176,466
Prepaid expenses and other	301,755	183,575
Current assets before merchant reserves	60,826,971	43,030,370
Merchant reserves	8,265,555	10,016,904
Total current assets	69,092,526	53,047,274
Property and equipment, net	3,105,926	1,557,521
Other assets:
Intangibles, net	6,035,761	2,676,427
Deferred tax asset	1,394,000	1,394,000
Operating lease right-of-use assets	2,671,266	2,480,902
Other assets	368,078	404,055
Total other assets	10,469,105	6,955,384
Total Assets	82,667,557	61,560,179
Current Liabilities:
Accounts payable	851,349	419,849
Accrued expenses	1,463,944	1,360,551
Operating lease liabilities, current portion	346,913	356,184
Settlement processing obligations	43,558,442	38,906,780
Prepaid card load obligations	7,610,242	528,434
Customer deposits	1,305,296
Deferred revenues	66,572	123,529
Current liabilities before merchant reserve obligations	55,202,758	41,695,327
Merchant reserve obligations	8,265,555	10,016,904
Total current liabilities	63,468,313	51,712,231
Non-current liabilities:
Operating lease liabilities, non-current portion	2,495,883	2,279,613
Total liabilities	65,964,196	53,991,844
Stockholders' Equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares issued and outstanding in 2020 and 2019
Common stock, $0.001 par value, 200,000,000 shares authorized; 26,260,776 and 18,224,577 issued and 24,974,995 and 17,104,998 outstanding in 2020 and 2019 (see Note 12)	194,692	186,656
Additional paid-in capital	89,659,433	77,055,273
Treasury stock, at cost; 1,285,781 and 1,119,579 shares in 2020 and 2019 (see Note 12)	(2,165,721)	(1,885,452)
Deferred compensation	(5,926,872)	(5,636,154)
Accumulated deficit	(65,058,171)	(62,151,988)
Total stockholders' equity	16,703,361	7,568,335
Total Liabilities and Stockholders' Equity	$ 82,667,557	$ 61,560,179