CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Cash flows from operating activities:
Net income (loss)	$ 30,871	$ (36,473)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Stock-based compensation	182,771	190,036
Amortization of intangible assets	46,760	60,663
Depreciation of property and equipment	9,850	10,167
Amortization of capitalized internal-use software costs paid in cash	10,947	6,332
Amortization of debt issuance costs	3,280	5,174
Accretion of discount on investments in marketable debt securities	(29,410)	(39,285)
Accretion of discount on loans held for investment	(15,239)	(5,531)
Gain on debt extinguishment	(40,550)	(35,715)
Provision for expected credit losses on acquired card receivables and other financial assets	56,964	47,279
Non-cash operating lease expense	6,174	6,590
Other	909	1,661
Changes in assets and liabilities:
Accounts receivable	1,282	(3,795)
Prepaid expenses and other current assets	(18,206)	5,413
Other assets	8,398	(2,068)
Accounts payable	1,760	(1,898)
Other accruals and current liabilities	14,381	6,812
Operating lease liabilities	(7,187)	(7,559)
Other long-term liabilities	2,261	(2,617)
Deferred revenue	812	(5,035)
Net cash provided by operating activities	266,828	200,151
Cash flows from investing activities:
Purchases of corporate and customer fund short-term investments	(2,314,975)	(2,042,849)
Proceeds from maturities and sales of corporate and customer fund short-term investments	1,727,367	1,858,759
Purchase of intangible assets	(2,868)	0
Purchases of loans held for investment	(576,885)	(218,943)
Principal repayments of loans held for investment	564,295	191,861
Acquired card receivables, net	(146,388)	(139,850)
Purchases of property and equipment	(1,546)	(771)
Capitalization of internal-use software costs	(21,219)	(14,595)
Other	(1,582)	0
Net cash used in investing activities	(773,801)	(366,388)
Cash flows from financing activities:
Proceeds from issuance of convertible senior notes	1,400,000	0
Cash paid for convertible senior notes issuance costs	(24,006)	0
Payments for repurchase of convertible senior notes	(539,403)	(710,931)
Proceeds from unwind of capped calls	0	10,252
Purchase of capped calls	(92,960)	0
Customer fund deposits liability and other	(61,856)	155,376
Prepaid card deposits	43,473	(20,776)
Repurchase of common stock	(400,001)	(211,902)
Proceeds from line of credit borrowings	0	45,000
Proceeds from exercise of stock options	2,772	6,525
Tax withholdings related to net share settlements of equity awards	(6,416)	(1,681)
Proceeds from issuance of common stock under the employee stock purchase plan	5,302	16,495
Contingent consideration payout	0	(10,762)
Net cash provided by (used in) financing activities	326,905	(722,404)
Effect of exchange rate changes on cash, cash equivalents, restricted cash and restricted cash equivalents	(181)	(397)
Net decrease in cash, cash equivalents, restricted cash, and restricted cash equivalents	(180,249)	(889,038)
Cash, cash equivalents, restricted cash, and restricted cash equivalents, beginning of period	3,351,399	4,224,841
Cash, cash equivalents, restricted cash, and restricted cash equivalents, end of period	3,171,150	3,335,803
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	1,047,737	952,474
Restricted cash included in other current assets	92,754	153,031
Restricted cash included in other assets	5,297	5,297
Restricted cash and restricted cash equivalents included in funds held for customers	2,025,362	2,225,001
Total cash, cash equivalents, restricted cash, and restricted cash equivalents, end of period	$ 3,171,150	$ 3,335,803