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SCHEDULE II VALUATION AND QUALIFYING ACCOUNTS
 12 Months Ended
Dec. 31, 2020
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(3)
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 credit losses - accounts receivable
December 31, 2018$1,807 $10,430 $9,189 $3,048 
December 31, 20193,048 18,097 11,765 9,380 
December 31, 2020$9,380 $27,107 $15,879 $20,608 
Allowance for credit losses - settlement assets (1)
December 31, 2018$3,460 $16,068 $16,740 $2,788 
December 31, 20192,788 20,433 19,794 3,427 
December 31, 2020$3,427 $16,915 $14,171 $6,171 
Reserve for sales allowances
December 31, 2018$601 $6,244 $5,304 $1,541 
December 31, 20191,541 6,370 3,841 4,070 
December 31, 2020$4,070 $14,511 $7,710 $10,871 
Allowance for credit and operating losses - check guarantee
December 31, 2018$5,738 $19,314 $19,987 $5,065 
December 31, 20195,065 13,346 14,490 3,921 
December 31, 2020$3,921 $10,092 $11,911 $2,102 
Reserve for contract contingencies and processing errors
December 31, 2019$— $5,669 $1,453 $4,216 
December 31, 2020$4,216 $515 $1,142 3,589 
Reserve for cardholder losses
December 31, 2019$— $24,391 $15,159 $9,232 
December 31, 2020$9,232 $61,847 $61,004 $10,075 
Deferred income tax asset valuation allowance
December 31, 2018$16,550 $6,840 $— $23,390 
December 31, 201923,390 48,652 — 72,042 
December 31, 2020$72,042 $60,489 $— $132,531 

(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 and the adoption of the new credit loss standard as of January 1, 2020.
(3) Reflects certain changes in descriptions and grouping of accounts as a result of the adoption of the new credit loss standard as of January 1, 2020. Reclassifications have been made to the prior year comparative periods to conform with the current period presentation, including the separate presentation of sales allowances.