Consolidated Balance Sheets - USD ($)	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and cash equivalents	$ 7,255,321	$ 5,011,132
Accounts receivable, net	4,979,493	2,863,638
Settlement processing assets	63,824,646	43,558,442
Prepaid card load assets	36,590,893	7,610,242
Customer deposits	1,364,193	1,305,296
Inventory	434,532	176,466
Prepaid expenses and other	426,963	301,755
Current assets before merchant reserves	114,876,041	60,826,971
Merchant reserves	6,381,153	8,265,555
Total current assets	121,257,194	69,092,526
Property and equipment, net	3,607,157	3,105,926
Other assets:
Intangibles, net	4,163,894	6,035,761
Deferred tax asset	1,504,000	1,394,000
Operating lease right-of-use assets	2,802,113	2,671,266
Other assets	345,357	368,078
Total other assets	8,815,364	10,469,105
Total Assets	133,679,715	82,667,557
Current Liabilities:
Accounts payable	1,400,100	851,349
Accrued expenses	2,325,665	1,463,944
Operating lease liabilities, current portion	504,027	346,913
Equipment loan, current portion	54,760	0
Settlement processing obligations	63,824,646	43,558,442
Prepaid card load obligations	36,590,893	7,610,242
Customer deposits	1,364,193	1,305,296
Deferred revenues	17,647	66,572
Current liabilities before merchant reserve obligations	106,081,931	55,202,758
Merchant reserve obligations	6,381,153	8,265,555
Total current liabilities	112,463,084	63,468,313
Non-current liabilities:
Equipment loan, non-current portion	71,434	0
Operating lease liabilities, non-current portion	2,476,291	2,495,883
Total liabilities	115,010,809	65,964,196
Stockholders' Equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares issued and outstanding in 2021 and 2020	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 26,807,145 and 26,260,776 issued and 25,473,453 and 24,974,995 outstanding in 2021 and 2020 (see Note 11)	195,235	194,692
Additional paid-in capital	93,100,129	89,659,433
Treasury stock, at cost; 1,333,692 and 1,285,781 shares in 2021 and 2020 (see Note 11)	(2,404,458)	(2,165,721)
Deferred compensation	(6,842,195)	(5,926,872)
Accumulated deficit	(65,379,805)	(65,058,171)
Total stockholders' equity	18,668,906	16,703,361
Total Liabilities and Stockholders' Equity	$ 133,679,715	$ 82,667,557