CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Operating activities
Net income	$ 46,845	$ 64,043
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of property, equipment and internal-use software	13,697	10,882
Amortization of intangible assets	7,279	8,174
Provision for uncollectible overdrawn accounts from purchase transactions	1,316	2,496
Employee stock-based compensation	11,385	14,815
Amortization of premium (discount) on available-for-sale investment securities	138	(140)
Amortization of deferred financing costs	42	996
Impairment of capitalized software	0	100
Changes in operating assets and liabilities:
Accounts receivable, net	(3,363)	4,338
Prepaid expenses and other assets	9,023	6,974
Deferred expenses	6,389	8,168
Accounts payable and other accrued liabilities	9,859	(10,217)
Deferred revenue	(9,355)	(10,718)
Income tax receivable/payable	11,805	15,729
Other, net	(930)	(255)
Net cash provided by operating activities	104,130	115,385
Investing activities
Purchases of available-for-sale investment securities	(60,267)	(35,782)
Proceeds from maturities of available-for-sale securities	25,509	12,948
Proceeds from sales of available-for-sale securities	10,047	101
Payments for acquisition of property and equipment	(15,743)	(19,312)
Net decrease in loans	1,584	1,754
Investment in TailFin Labs, LLC	(35,000)	0
Net cash used in investing activities	(73,870)	(40,291)
Financing activities
Repayments of borrowings from notes payable	0	(60,000)
Borrowings on revolving line of credit	100,000	0
Repayments on revolving line of credit	(35,000)	0
Proceeds from exercise of options	23	705
Taxes paid related to net share settlement of equity awards	(1,480)	(11,826)
Net increase in deposits	442,017	620,998
Net decrease in obligations to customers	(34,667)	(39,364)
Contingent consideration payments	(1,000)	0
Net cash provided by financing activities	469,893	510,513
Net increase in unrestricted cash, cash equivalents and restricted cash	500,153	585,607
Unrestricted cash, cash equivalents and restricted cash, beginning of period	1,066,154	1,095,218
Unrestricted cash, cash equivalents and restricted cash, end of period	1,566,307	1,680,825
Cash paid for interest	283	1,094
Cash (refund from)/paid for income taxes	(95)	38
Total unrestricted cash, cash equivalents and restricted cash, end of period	$ 1,566,307	$ 1,680,825