CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Cash Flows from Operating Activities
Net income (loss)	$ (52,020)	$ (77,678)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Depreciation and amortization	12,407	8,210
Stock-based compensation expense, net of amounts capitalized	36,262	25,887
Provision for bad debt	8,530	7,101
Other non-cash, net	(772)	325
Changes in operating assets and liabilities, net of effects from purchases of businesses:
Trade receivables	10,990	64,326
Other operating assets	(5,266)	(4,385)
Accounts payable	(2,543)	(98,385)
Other operating liabilities	1,023	(710)
Net cash provided by (used in) operating activities	8,611	(75,309)
Cash Flows from Investing Activities
Net increase in finance receivables	(30,991)	(32,131)
Purchases of property and equipment	(1,518)	(2,652)
Capitalization of software costs	(19,319)	(14,145)
Purchases of marketable securities	(116,036)	(217,706)
Maturities and redemptions of marketable securities	107,690	21,216
Sales of marketable securities	2,649	0
Acquisition of businesses (net of cash acquired)	(28,649)	(18,913)
Net cash provided by (used in) investing activities	(86,174)	(264,331)
Cash Flows from Financing Activities
Proceeds from long term debt	305,000	200,000
Payments Towards Long Term Debt	(275,500)	(130,000)
Proceeds from exercise of stock options	3,576	999
Payment of RSU tax withholdings in exchange for common shares surrendered by RSU holders	(11,280)	(3,475)
Proceeds from employee stock purchase plan	1,330	930
Other financing activities	(74)	0
Net cash provided by (used in) financing activities	23,052	68,454
Effect of exchange rate changes on cash, cash equivalents, and restricted cash	(5)	(33)
Net increase (decrease) in cash, cash equivalents, and restricted cash	(54,516)	(271,219)
Cash, cash equivalents, and restricted cash, beginning of period	280,752	565,994
Cash, cash equivalents, and restricted cash, end of period	226,236	294,775
Non-cash investing and financing activities:
Stock-based compensation included in capitalized software development costs	2,394	1,398
Purchase of property and equipment and internal use software in accounts payable	$ 1,277	$ 1,401