Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2025	Dec. 31, 2024
Assets
Cash and cash equivalents	$ 7,506,411	$ 8,056,891
Accounts receivable, net	4,891,594	5,053,639
Accounts receivable, tax credit	0	1,494,612
Settlement processing assets	62,891,265	47,104,006
Prepaid card load assets	13,064,060	25,648,688
Customer deposits	1,988,314	1,918,805
Inventory	380,457	403,796
Prepaid expenses and other	1,105,527	585,500
Current assets before merchant reserves	91,827,628	90,265,937
Merchant reserves	4,995,101	4,890,101
Total current assets	96,822,729	95,156,038
Property and equipment, net	3,417,606	3,194,818
Other assets:
Intangibles, net	445,353	881,346
Deferred tax asset, net	4,580,440	4,580,440
Operating lease right-of-use assets	2,727,842	3,037,928
Other assets	357,877	357,877
Total other assets	8,111,512	8,857,591
Total assets	108,351,847	107,208,447
Current liabilities:
Accounts payable	632,736	1,256,819
Accrued expenses	2,564,191	3,366,925
Operating lease liabilities, current portion	630,193	612,680
Equipment loan, current portion	151,689	147,581
Settlement processing obligations	62,891,265	47,104,006
Prepaid card load obligations	13,064,060	25,648,688
Customer deposits	1,988,314	1,918,805
Current liabilities before merchant reserve obligations	81,922,448	80,055,504
Merchant reserve obligations	4,995,101	4,890,101
Total current liabilities	86,917,549	84,945,605
Non-current liabilities:
Equipment loan, net of current portion	495,426	571,862
Operating lease liabilities, net of current portion	2,206,021	2,534,017
Total liabilities	89,618,996	88,051,484
Commitments and contingencies (Note 11)
Stockholders’ equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized; -0- shares outstanding at June 30, 2025 (unaudited) and December 31, 2024, respectively	0	0
Common stock, $0.001 par value, 200,000,000 shares authorized; 30,235,512 and 29,902,415 issued, and 26,475,698 and 26,609,651 outstanding at June 30, 2025 (unaudited) and December 31, 2024, respectively	30,235	198,317
Additional paid-in capital	100,183,033	99,676,457
Treasury stock, at cost; 3,759,814 and 3,292,764 shares at June 30, 2025 (unaudited) and December 31, 2024, respectively	(6,478,890)	(5,770,592)
Deferred compensation	(6,367,247)	(6,914,563)
Accumulated deficit	(68,634,280)	(68,032,656)
Total stockholders’ equity	18,732,851	19,156,963
Total liabilities and stockholders’ equity	$ 108,351,847	$ 107,208,447