Balance sheets - USD ($) $ in Thousands		Apr. 30, 2020	Jan. 31, 2020
Current:
Cash and cash equivalents		$ 90,252	$ 90,315
Settlement assets		8,672	12,368
Accounts receivable, net of allowance of $1,353 and $943		24,223	21,978
Deferred contract acquisition costs		1,788	1,720
Prepaid expenses and other current assets		5,435	5,157
Total current assets		130,370	131,538
Property and equipment, net of accumulated depreciation and amortization of $37,813 and $35,551		14,986	14,487
Capitalized internal-use software, net of accumulated amortization of $20,847 and $19,554		9,198	8,735
Operating lease right-of-use assets	[1]	2,795	0
Deferred contract acquisition costs		1,715	1,594
Intangible assets, net of accumulated amortization of $331 and $271		1,139	1,199
Long-term deferred tax asset		719	775
Goodwill		250	250
Other assets		128	180
Total assets		161,300	158,758
Current:
Settlement obligations		8,672	12,368
Current portion of finance lease liabilities	[1]	2,366	2,324
Current portion of operating lease liabilities	[1]	1,414	0
Accounts payable		7,649	6,017
Accrued expenses		11,374	9,243
Deferred revenue		6,629	5,401
Total current liabilities		38,104	35,353
Long-term debt		19,470	19,444
Finance lease liabilities, noncurrent	[1]	2,234	2,096
Operating lease liabilities, noncurrent	[1]	1,578	0
Total liabilities		61,386	56,893
Commitments and contingencies (Note 12)
Stockholders’ Equity:
Common stock, $0.01 par value - 500,000,000 shares authorized as of April 30, 2020 and January 31, 2020, respectively; 37,599,441 and 36,610,763 shares issued and outstanding as of April 30, 2020 and January 31, 2020, respectively		376	366
Additional paid-in capital		390,981	386,383
Accumulated deficit		(290,597)	(284,485)
Treasury stock		(846)	(399)
Total Stockholders’ Equity		99,914	101,865
Total Liabilities and Stockholders’ Equity		$ 161,300	$ 158,758

[1] (1) Figures as of April 30, 2020 reflect the Company's February 1, 2020 adoption of Accounting Standards Update ("ASU") No. 2016-02, Leases. For additional details, see Note 3(c), "Summary of significant accounting policies — Impact of recently adopted accounting pronouncements."