Consolidated Balance Sheets - USD ($)	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 8,056,891	$ 7,155,687
Accounts receivable	5,053,639	5,564,138
Accounts receivable, tax credit	1,494,612	0
Settlement processing assets	47,104,006	44,899,603
Prepaid card load assets	25,648,688	31,578,973
Customer deposits	1,918,805	1,865,731
Inventory	403,796	422,808
Prepaid expenses and other	585,500	444,071
Current assets before merchant reserves	90,265,937	91,931,011
Merchant reserves	4,890,101	5,310,095
Total current assets	95,156,038	97,241,106
Property and equipment, net	3,194,818	3,660,092
Other assets:
Intangibles, net	881,346	1,753,333
Deferred tax asset	4,580,440	1,504,000
Operating lease right-of-use assets	3,037,928	2,420,782
Other assets	357,877	355,357
Total other assets	8,857,591	6,033,472
Total Assets	107,208,447	106,934,670
Current Liabilities:
Accounts payable	1,256,819	1,031,141
Accrued expenses	3,366,925	3,801,278
Operating lease liabilities, current portion	612,680	633,616
Equipment loan, current portion	147,581	107,270
Settlement processing obligations	47,104,006	44,899,603
Prepaid card load obligations	25,648,688	31,578,973
Customer deposits	1,918,805	1,865,731
Current liabilities before merchant reserve obligations	80,055,504	83,917,612
Merchant reserve obligations	4,890,101	5,310,095
Total current liabilities	84,945,605	89,227,707
Non-current liabilities:
Equipment loan, non-current portion	571,862	718,980
Operating lease liabilities, non-current portion	2,534,017	1,919,144
Total liabilities	88,051,484	91,865,831
Commitments and contingencies (Note 14)
Stockholders' Equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares issued and outstanding in 2024 and 2023	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 29,902,415 and 28,671,606 issued and 26,609,651 and 26,332,523 outstanding in 2024 and 2023 (see Note 12)	198,317	197,087
Additional paid-in capital	99,676,457	97,479,830
Treasury stock, at cost; 3,292,764 and 2,339,083 shares in 2024 and 2023 (see Note 12)	(5,770,592)	(4,362,150)
Deferred compensation	(6,914,563)	(6,907,775)
Accumulated deficit	(68,032,656)	(71,338,153)
Total stockholders' equity	19,156,963	15,068,839
Total Liabilities and Stockholders' Equity	$ 107,208,447	$ 106,934,670