Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 7,155,687	$ 5,709,117
Accounts receivable, net	5,564,138	4,371,640
Settlement processing assets	44,899,603	49,737,068
Prepaid card load assets	31,578,973	20,170,761
Customer deposits	1,865,731	1,554,122
Inventory	422,808	507,355
Prepaid expenses and other	444,071	450,389
Current assets before merchant reserves	91,931,011	82,500,452
Merchant reserves	5,310,095	4,909,501
Total current assets	97,241,106	87,409,953
Property and equipment, net	3,660,092	3,222,816
Other assets:
Intangibles, net	1,753,333	2,625,360
Deferred tax asset	1,504,000	1,504,000
Operating lease right-of-use assets	2,420,782	2,795,483
Other assets	355,357	355,357
Total other assets	6,033,472	7,280,200
Total Assets	106,934,670	97,912,969
Current Liabilities:
Accounts payable	1,031,141	858,622
Accrued expenses	3,801,278	3,721,108
Operating lease liabilities, current portion	633,616	617,319
Equipment loan, current portion	107,270	56,429
Settlement processing obligations	44,899,603	49,737,068
Prepaid card load obligations	31,578,973	20,170,761
Customer deposits	1,865,731	1,554,122
Current liabilities before merchant reserve obligations	83,917,612	76,715,429
Merchant reserve obligations	5,310,095	4,909,501
Total current liabilities	89,227,707	81,624,930
Non-current liabilities:
Equipment loan, non-current portion	718,980	14,994
Operating lease liabilities, non-current portion	1,919,144	2,338,947
Total liabilities	91,865,831	83,978,871
Stockholders' Equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares issued and outstanding in 2023 and 2022	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 28,671,606 and 27,044,900 issued and 26,332,523 and 25,097,963 outstanding in 2023 and 2022 (see Note 11)	197,087	195,471
Additional paid-in capital	97,479,830	94,048,603
Treasury stock, at cost; 2,339,083 and 1,946,937 shares in 2023 and 2022 (see Note 11)	(4,362,150)	(3,749,027)
Deferred compensation	(6,907,775)	(5,697,900)
Accumulated deficit	(71,338,153)	(70,863,049)
Total stockholders' equity	15,068,839	13,934,098
Total Liabilities and Stockholders' Equity	$ 106,934,670	$ 97,912,969