Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 7,498,256	$ 7,155,687
Accounts receivable, net	5,494,539	5,564,138
Settlement processing assets	51,122,984	44,899,603
Prepaid card load assets	28,056,918	31,578,973
Customer deposits	1,808,006	1,865,731
Inventory	407,013	422,808
Prepaid expenses and other	819,163	444,071
Current assets before merchant reserves	95,206,879	91,931,011
Merchant reserves	4,851,839	5,310,095
Total current assets	100,058,718	97,241,106
Property and equipment, net	3,427,109	3,660,092
Other assets:
Intangibles, net	1,317,370	1,753,333
Deferred tax asset, net	1,504,000	1,504,000
Operating lease right-of-use assets	2,184,415	2,420,782
Other assets	340,285	355,357
Total other assets	5,346,070	6,033,472
Total assets	108,831,897	106,934,670
Current liabilities:
Accounts payable	968,217	1,031,141
Accrued expenses	3,214,518	3,801,278
Operating lease liabilities, current portion	442,668	633,616
Equipment loan, current portion	192,206	107,270
Settlement processing obligations	51,122,984	44,899,603
Prepaid card load obligations	28,056,918	31,578,973
Customer deposits	1,808,006	1,865,731
Current liabilities before merchant reserve obligations	85,805,517	83,917,612
Merchant reserve obligations	4,851,839	5,310,095
Total current liabilities	90,657,356	89,227,707
Non-current liabilities:
Equipment loan, net of current portion	597,176	718,980
Operating lease liabilities, net of current portion	1,863,147	1,919,144
Total liabilities	93,117,679	91,865,831
Commitments and contingencies (Note 9)
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at June 30, 2024 (unaudited) and December 31, 2023, respectively	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 29,764,435 and 28,671,606 issued, and 27,331,969 and 26,332,523 outstanding at June 30, 2024 (unaudited) and December 31, 2023, respectively	198,179	197,087
Additional paid-in capital	99,222,467	97,479,830
Treasury stock, at cost; 2,432,466 and 2,339,083 shares at June 30, 2024 (unaudited) and December 31, 2023, respectively	(4,511,919)	(4,362,150)
Deferred compensation	(7,681,660)	(6,907,775)
Accumulated deficit	(71,512,849)	(71,338,153)
Total stockholders’ equity	15,714,218	15,068,839
Total liabilities and stockholders’ equity	$ 108,831,897	$ 106,934,670