Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Assets
Cash and cash equivalents	$ 5,102,061	$ 7,255,321
Accounts receivable, net	3,854,077	4,979,493
Settlement processing assets	36,927,255	63,824,646
Prepaid card load assets	15,104,808	36,590,893
Customer deposits	1,471,214	1,364,193
Inventory	488,382	434,532
Prepaid expenses and other	829,902	426,963
Current assets before merchant reserves	63,777,699	114,876,041
Merchant reserves	6,815,073	6,381,153
Total current assets	70,592,772	121,257,194
Property and equipment, net	3,432,039	3,607,157
Other assets:
Intangibles, net	3,227,962	4,163,894
Deferred tax asset, net	1,504,000	1,504,000
Operating lease right-of-use assets	3,083,555	2,802,113
Other assets	345,357	345,357
Total other assets	8,160,874	8,815,364
Total assets	82,185,685	133,679,715
Current liabilities:
Accounts payable	719,379	1,400,100
Accrued expenses	2,177,000	2,325,665
Operating lease liabilities, current portion	579,442	504,027
Equipment loan, current portion	43,386	54,760
Settlement processing obligations	36,927,255	63,824,646
Prepaid card load obligations	15,104,808	36,590,893
Customer deposits	1,471,214	1,364,193
Deferred revenues	0	17,647
Current liabilities before merchant reserve obligations	57,022,484	106,081,931
Merchant reserve obligations	6,815,073	6,381,153
Total current liabilities	63,837,557	112,463,084
Non-current liabilities:
Equipment loan, non-current portion	55,698	71,434
Operating lease liabilities, non-current portion	2,690,378	2,476,291
Total liabilities	66,583,633	115,010,809
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at June 30, 2022 (unaudited) and December 31, 2021, respectively	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 26,837,978 and 26,807,145 issued, and 25,295,875 and 25,473,453 outstanding at June 30, 2022 (unaudited) and December 31, 2021, respectively	195,250	195,235
Additional paid-in capital	93,468,139	93,100,129
Treasury stock, at cost; 1,542,103 and 1,333,692 shares at June 30, 2022 (unaudited) and December 31, 2021, respectively	(2,951,047)	(2,404,458)
Deferred compensation	(6,167,870)	(6,842,195)
Accumulated deficit	(68,942,420)	(65,379,805)
Total stockholders’ equity	15,602,052	18,668,906
Total liabilities and stockholders’ equity	$ 82,185,685	$ 133,679,715