Balance Sheets - USD ($) $ in Thousands		Jul. 31, 2020	Jan. 31, 2020
Current:
Cash and cash equivalents		$ 84,199	$ 90,315
Settlement assets		10,717	12,368
Accounts receivable, net of allowances		22,972	21,978
Deferred contract acquisition costs		1,684	1,720
Prepaid expenses and other current assets		8,378	5,157
Total current assets		127,950	131,538
Property and equipment, net of accumulated depreciation and amortization of $40,219 and $35,551		17,070	14,487
Capitalized internal-use software, net of accumulated amortization of $22,420 and $19,554		9,501	8,735
Operating lease right-of-use assets	[1]	2,406	0
Deferred contract acquisition costs		1,256	1,594
Intangible assets, net of accumulated amortization of $390 and $271		1,080	1,199
Deferred tax asset		666	775
Goodwill		250	250
Other assets		108	180
Total assets		160,287	158,758
Current:
Settlement obligations		10,717	12,368
Current portion of debt and finance lease liabilities		4,939	2,324
Current portion of operating lease liabilities	[1]	1,221	0
Accounts payable		5,103	6,017
Accrued expenses		9,838	9,243
Deferred revenue		6,257	5,401
Total current liabilities		38,075	35,353
Long term debt and finance lease liabilities		23,131	21,540
Operating lease liabilities, noncurrent	[1]	1,394	0
Total liabilities		62,600	56,893
Commitments and contingencies (Note 12)
Stockholders’ Equity:
Common stock, $0.01 par value - 500,000,000 shares authorized as of July 31, 2020 and January 31, 2020, respectively; 37,882,837 and 36,610,763 shares issued and outstanding as of July 31, 2020 and January 31, 2020, respectively		379	366
Additional paid-in capital		395,145	386,383
Accumulated deficit		(296,968)	(284,485)
Treasury stock		(869)	(399)
Total Stockholders’ Equity		97,687	101,865
Total Liabilities and Stockholders’ Equity		$ 160,287	$ 158,758

[1] Figures as of July 31, 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."