Condensed consolidated statements of operations and comprehensive income (loss) (unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Oct. 31, 2020	Oct. 31, 2019	Oct. 31, 2020	Oct. 31, 2019
Revenues [Abstract]
Revenue	$ 179,351	$ 157,118	$ 545,401	$ 330,793
Cost of revenue
Cost of revenue	74,793	61,083	230,985	118,565
Gross profit	104,558	96,035	314,416	212,228
Operating Expenses [Abstract]
Sales and marketing	12,880	12,654	36,502	30,015
Technology and development	30,758	23,511	92,490	46,061
General and administrative	22,099	19,222	61,590	37,193
Amortization of acquired intangible assets	19,126	13,051	56,905	16,036
Merger integration	8,193	17,675	31,328	20,459
Total operating expenses	93,056	86,113	278,815	149,764
Income from operations	11,502	9,922	35,601	62,464
Other expense
Interest expense	(6,952)	(10,225)	(28,110)	(10,355)
Other expense, net	(421)	(30,949)	(2,009)	(8,347)
Total other expense	(7,373)	(41,174)	(30,119)	(18,702)
Income (loss) before income taxes	4,129	(31,252)	5,482	43,762
Income tax provision (benefit)	2,340	(9,918)	2,015	3,908
Net income (loss)	1,789	(21,334)	3,467	39,854
Comprehensive income (loss)	$ 1,789	$ (21,334)	$ 3,467	$ 39,854
Net income (loss) per share:
Basic (in usd per share)	$ 0.02	$ (0.30)	$ 0.05	$ 0.61
Diluted (in usd per share)	$ 0.02	$ (0.30)	$ 0.05	$ 0.59
Weighted-average number of shares used in computing net income (loss) per share:
Basic (in shares)	76,701	70,524	73,358	65,727
Diluted (in shares)	77,845	70,524	74,665	67,150
Service revenue
Revenues [Abstract]
Revenue	$ 104,562	$ 87,620	$ 319,638	$ 140,710
Cost of revenue
Cost of revenue	65,936	52,278	202,195	92,672
Custodial revenue
Revenues [Abstract]
Revenue	48,544	46,972	142,352	132,538
Cost of revenue
Cost of revenue	4,762	4,384	14,805	12,716
Interchange revenue
Revenues [Abstract]
Revenue	26,245	22,526	83,411	57,545
Cost of revenue
Cost of revenue	$ 4,095	$ 4,421	$ 13,985	$ 13,177