Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and cash equivalents	$ 4,613,123	$ 7,255,321
Accounts receivable, net	3,569,082	4,979,493
Settlement processing assets	49,697,691	63,824,646
Prepaid card load assets	15,318,411	36,590,893
Customer deposits	1,585,586	1,364,193
Inventory	420,432	434,532
Prepaid expenses and other	545,435	426,963
Current assets before merchant reserves	75,749,760	114,876,041
Merchant reserves	5,654,729	6,381,153
Total current assets	81,404,489	121,257,194
Property and equipment, net	3,407,021	3,607,157
Other assets:
Intangibles, net	2,843,327	4,163,894
Deferred tax asset, net	1,504,000	1,504,000
Operating lease right-of-use assets	2,932,812	2,802,113
Other assets	355,357	345,357
Total other assets	7,635,496	8,815,364
Total assets	92,447,006	133,679,715
Current liabilities:
Accounts payable	612,189	1,400,100
Accrued expenses	2,371,178	2,325,665
Operating lease liabilities, current portion	537,034	504,027
Equipment loan, current portion	56,429	54,760
Settlement processing obligations	49,697,691	63,824,646
Prepaid card load obligations	15,318,411	36,590,893
Customer deposits	1,585,586	1,364,193
Deferred revenues	0	17,647
Current liabilities before merchant reserve obligations	70,178,518	106,081,931
Merchant reserve obligations	5,654,729	6,381,153
Total current liabilities	75,833,247	112,463,084
Non-current liabilities:
Equipment loan, non-current portion	28,893	71,434
Operating lease liabilities, non-current portion	2,581,645	2,476,291
Total liabilities	78,443,785	115,010,809
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at September 30, 2022 (unaudited) and December 31, 2021, respectively	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 26,966,300 and 26,807,145 issued, and 25,263,333 and 25,473,453 outstanding at September 30, 2022 (unaudited) and December 31, 2021, respectively	195,391	195,235
Additional paid-in capital	93,811,189	93,100,129
Treasury stock, at cost; 1,702,967 and 1,333,692 shares at September 30, 2022 (unaudited) and December 31, 2021, respectively	(3,299,099)	(2,404,458)
Deferred compensation	(5,992,070)	(6,842,195)
Accumulated deficit	(70,712,190)	(65,379,805)
Total stockholders’ equity	14,003,221	18,668,906
Total liabilities and stockholders’ equity	$ 92,447,006	$ 133,679,715