CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
Cash flows from operating activities:
Net income (loss)	$ (2,962)	$ 8,912
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Stock-based compensation	58,805	54,657
Amortization of intangible assets	15,165	16,938
Depreciation of property and equipment	3,839	3,169
Amortization of capitalized internal-use software costs and other paid in cash	4,507	3,944
Amortization of debt discount and issuance costs	1,610	895
Accretion of discount on investments in marketable debt securities	(7,464)	(12,241)
Accretion of discount on loans held for investment	(6,533)	(4,631)
Provision for expected credit losses on acquired card receivables and other financial assets	16,096	20,661
Non-cash operating lease expense	2,019	2,045
Other	368	172
Changes in assets and liabilities:
Accounts receivable	273	(4,028)
Prepaid expenses and other current assets	5,403	(1,143)
Other assets	(1,378)	6,910
Accounts payable	(9,797)	3,804
Other accruals and current liabilities	20,826	(9,791)
Operating lease liabilities	(2,331)	(2,348)
Deferred revenue	(1,591)	657
Net cash provided by operating activities	96,855	88,582
Cash flows from investing activities:
Purchases of corporate and customer fund short-term investments	(372,347)	(637,992)
Proceeds from maturities and sales of corporate and customer fund short-term investments	328,254	563,677
Purchases of loans held for investment	(241,680)	(181,686)
Principal repayments of loans held for investment	244,471	171,987
Acquired card receivables, net	(52,826)	(47,968)
Purchases of property and equipment	(1,299)	(17)
Capitalization of internal-use software costs	(13,294)	(7,039)
Other	0	(500)
Net cash used in investing activities	(108,721)	(139,538)
Cash flows from financing activities:
Customer fund deposits liability and other	(68,715)	78,512
Prepaid card deposits	16,764	11,322
Repurchase of common stock	(83,145)	(200,002)
Proceeds from line of credit borrowings	150,000	0
Proceeds from exercise of stock options	276	1,017
Tax withholdings related to net share settlements of equity awards	(14,080)	(1,304)
Proceeds from issuance of common stock under the employee stock purchase plan	0	5,302
Net cash provided by (used in) financing activities	1,100	(105,153)
Effect of exchange rate changes on cash, cash equivalents, restricted cash and restricted cash equivalents	75	(127)
Net decrease in cash, cash equivalents, restricted cash, and restricted cash equivalents	(10,691)	(156,236)
Cash, cash equivalents, restricted cash, and restricted cash equivalents, beginning of period	3,550,885	3,351,399
Cash, cash equivalents, restricted cash, and restricted cash equivalents, end of period	3,540,194	3,195,163
Reconciliation of cash, cash equivalents, restricted cash, and restricted cash equivalents within the condensed consolidated balance sheets to the amounts shown in the condensed consolidated statements of cash flows above:
Cash and cash equivalents	1,099,628	853,470
Restricted cash included in other current assets	111,842	148,660
Restricted cash included in other assets	4,885	5,297
Restricted cash and restricted cash equivalents included in funds held for customers	2,323,839	2,187,736
Total cash, cash equivalents, restricted cash, and restricted cash equivalents, end of period	$ 3,540,194	$ 3,195,163