Consolidated Balance Sheets - USD ($)	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and cash equivalents	$ 5,709,117	$ 7,255,321
Accounts receivable, net	4,371,640	4,979,493
Settlement processing assets	49,737,068	63,824,646
Prepaid card load assets	20,170,761	36,590,893
Customer deposits	1,554,122	1,364,193
Inventory	507,355	434,532
Prepaid expenses and other	450,389	426,963
Current assets before merchant reserves	82,500,452	114,876,041
Merchant reserves	4,909,501	6,381,153
Total current assets	87,409,953	121,257,194
Property and equipment, net	3,222,816	3,607,157
Other assets:
Intangibles, net	2,625,360	4,163,894
Deferred tax asset	1,504,000	1,504,000
Operating lease right-of-use assets	2,795,483	2,802,113
Other assets	355,357	345,357
Total other assets	7,280,200	8,815,364
Total Assets	97,912,969	133,679,715
Current Liabilities:
Accounts payable	858,622	1,400,100
Accrued expenses	3,721,108	2,325,665
Operating lease liabilities, current portion	617,319	504,027
Equipment loan, current portion	56,429	54,760
Settlement processing obligations	49,737,068	63,824,646
Prepaid card load obligations	20,170,761	36,590,893
Customer deposits	1,554,122	1,364,193
Deferred revenues	0	17,647
Current liabilities before merchant reserve obligations	76,715,429	106,081,931
Merchant reserve obligations	4,909,501	6,381,153
Total current liabilities	81,624,930	112,463,084
Non-current liabilities:
Equipment loan, non-current portion	14,994	71,434
Operating lease liabilities, non-current portion	2,338,947	2,476,291
Total liabilities	83,978,871	115,010,809
Stockholders' Equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares issued and outstanding in 2022 and 2021	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 27,044,900 and 26,807,145 issued and 25,097,963 and 25,473,453 outstanding in 2022 and 2021 (see Note 11)	195,471	195,235
Additional paid-in capital	94,048,603	93,100,129
Treasury stock, at cost; 1,946,937 and 1,333,692 shares in 2022 and 2021 (see Note 11)	(3,749,027)	(2,404,458)
Deferred compensation	(5,697,900)	(6,842,195)
Accumulated deficit	(70,863,049)	(65,379,805)
Total stockholders' equity	13,934,098	18,668,906
Total Liabilities and Stockholders' Equity	$ 97,912,969	$ 133,679,715