SCHEDULE II VALUATION AND QUALIFYING ACCOUNTS

12 Months Ended

Dec. 31, 2019

SEC Schedule, 12-09, Valuation and Qualifying Accounts [Abstract]

SCHEDULE II VALUATION AND QUALIFYING ACCOUNTS

SCHEDULE II

Valuation & Qualifying Accounts

(in thousands)



(a)	(b)		(c)		(d)		(e)
Description	Balance at Beginning of Period		Additions: Charged to Costs and Expenses⁽²⁾		Deductions: Uncollectible Accounts Write-Offs (Recoveries)		Balance at End of Period

Allowance for doubtful accounts
December 31, 2017	$	1,092	$	6,113	$	5,378	$	1,827
December 31, 2018	1,827		10,430		9,093		3,164
December 31, 2019	$	3,164	$	20,375	$	10,350	$	13,189

Reserve for merchant losses and sales allowances⁽¹⁾
December 31, 2017	$	2,939	$	18,767	$	17,666	$	4,040
December 31, 2018	4,040		22,312		22,140		4,212
December 31, 2019	$	4,212	$	24,525	$	25,049	$	3,688

Reserve for check guarantee operating losses
December 31, 2017	$	5,786	$	28,064	$	28,112	$	5,738
December 31, 2018	5,738		19,314		19,987		5,065
December 31, 2019	$	5,065	$	13,346	$	14,490	$	3,921

Reserve for contract contingencies and processing errors
December 31, 2019	$	—	$	5,669	$	1,453	$	4,216

Reserve for cardholder losses
December 31, 2019	$	—	$	24,391	$	15,159	$	9,232

Deferred income tax asset valuation allowance
December 31, 2017	$	16,611	$	7,079	$	7,140	$	16,550
December 31, 2018	16,550		6,840		—		23,390
December 31, 2019	$	23,390	$	48,652	$	—	$	72,042

⁽¹⁾ Included in settlement processing obligations.

⁽²⁾ In addition to amounts charged to costs and expenses, amounts in this column include additions, as applicable, resulting from business combinations.