Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Mar. 31, 2023	Dec. 31, 2022
Assets
Cash and cash equivalents	$ 6,763,813	$ 5,709,117
Accounts receivable, net	5,218,249	4,371,640
Settlement processing assets	42,586,985	49,737,068
Prepaid card load assets	18,812,954	20,170,761
Customer deposits	1,575,075	1,554,122
Inventory	494,457	507,355
Prepaid expenses and other	461,005	450,389
Current assets before merchant reserves	75,912,538	82,500,452
Merchant reserves	4,744,615	4,909,501
Total current assets	80,657,153	87,409,953
Property and equipment, net	3,139,932	3,222,816
Other assets:
Intangibles, net	2,407,393	2,625,360
Deferred tax asset, net	1,504,000	1,504,000
Operating lease right-of-use assets	2,826,942	2,795,483
Other assets	355,358	355,357
Total other assets	7,093,693	7,280,200
Total assets	90,890,778	97,912,969
Current liabilities:
Accounts payable	851,824	858,622
Accrued expenses	4,856,157	3,721,108
Operating lease liabilities, current portion	537,034	617,319
Equipment loan, current portion	57,380	56,429
Settlement processing obligations	42,586,985	49,737,068
Prepaid card load obligations	18,812,954	20,170,761
Customer deposits	1,575,075	1,554,122
Current liabilities before merchant reserve obligations	69,277,409	76,715,429
Merchant reserve obligations	4,744,615	4,909,501
Total current liabilities	74,022,024	81,624,930
Non-current liabilities:
Equipment loan, non-current portion	0	14,994
Operating lease liabilities, non-current portion	2,423,780	2,338,947
Total liabilities	76,445,804	83,978,871
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at March 31, 2023 (unaudited) and December 31, 2022, respectively	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 28,466,150 and 27,044,900 issued, and 26,514,903 and 25,097,963 outstanding at March 31, 2023 (unaudited) and December 31, 2022, respectively	196,892	195,471
Additional paid-in capital	96,687,132	94,048,603
Treasury stock, at cost; 1,951,247 and 1,946,937 shares at March 31, 2023 (unaudited) and December 31, 2022, respectively	(3,757,556)	(3,749,027)
Deferred compensation	(7,833,278)	(5,697,900)
Accumulated deficit	(70,848,216)	(70,863,049)
Total stockholders’ equity	14,444,974	13,934,098
Total liabilities and stockholders’ equity	$ 90,890,778	$ 97,912,969