Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 7,053,812	$ 7,155,687
Accounts receivable, net	4,862,227	5,564,138
Settlement processing assets	41,030,860	44,899,603
Prepaid card load assets	28,698,878	31,578,973
Customer deposits	1,808,263	1,865,731
Inventory	429,577	422,808
Prepaid expenses and other	687,415	444,071
Current assets before merchant reserves	84,571,032	91,931,011
Merchant reserves	5,322,095	5,310,095
Total current assets	89,893,127	97,241,106
Property and equipment, net	3,478,654	3,660,092
Other assets:
Intangibles, net	1,535,366	1,753,333
Deferred tax asset, net	1,504,000	1,504,000
Operating lease right-of-use assets	2,318,388	2,420,782
Other assets	335,357	355,357
Total other assets	5,693,111	6,033,472
Total assets	99,064,892	106,934,670
Current liabilities:
Accounts payable	896,293	1,031,141
Accrued expenses	2,778,067	3,801,278
Operating lease liabilities, current portion	490,184	633,616
Equipment loan, current portion	180,906	107,270
Settlement processing obligations	41,030,860	44,899,603
Prepaid card load obligations	28,698,878	31,578,973
Customer deposits	1,808,263	1,865,731
Current liabilities before merchant reserve obligations	75,883,451	83,917,612
Merchant reserve obligations	5,322,095	5,310,095
Total current liabilities	81,205,546	89,227,707
Non-current liabilities:
Equipment loan, net of current portion	630,913	718,980
Operating lease liabilities, net of current portion	1,955,333	1,919,144
Total liabilities	83,791,792	91,865,831
Commitments and contingencies
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at March 31, 2024 (unaudited) and December 31, 2023, respectively	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 28,779,206 and 28,661,406 issued, and 26,412,259 and 26,332,523 outstanding at March 31, 2024 (unaudited) and December 31, 2023, respectively	197,194	197,087
Additional paid-in capital	97,632,948	97,479,830
Treasury stock, at cost; 2,366,947 and 2,339,083 shares at March 31, 2024 (unaudited) and December 31, 2023, respectively	(4,406,973)	(4,362,150)
Deferred compensation	(6,561,728)	(6,907,775)
Accumulated deficit	(71,588,341)	(71,338,153)
Total stockholders’ equity	15,273,100	15,068,839
Total liabilities and stockholders’ equity	$ 99,064,892	$ 106,934,670