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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Cash flows from operating activities      
Net loss $ (38,756) $ (32,564) $ (51,392)
Adjustments to reconcile net loss to net cash (used in) provided by operating activities      
Depreciation and amortization 5,256 4,060 2,658
Stock-based compensation expense, net 17,016 5,264 3,648
Donation of common stock 6,933 0 0
Other 452 2 37
Changes in operating assets and liabilities:      
Disbursement prefunding (18,069) (69,719) 17,105
Customer funds receivable (17,282) (20,028) (17,410)
Prepaid expenses and other assets (12,559) (1,959) (2,235)
Operating lease right-of-use assets 2,780 2,376 1,997
Accounts payable (3,035) 4,044 (1,488)
Customer liabilities 16,097 (29,073) 54,182
Accrued expenses and other liabilities 26,071 25,935 3,526
Operating lease liabilities (3,295) (2,547) (2,193)
Net cash (used in) provided by operating activities (18,391) (114,209) 8,435
Cash flows from investing activities      
Purchases of property and equipment (1,956) (2,064) (5,049)
Capitalized internal-use software costs (2,578) (2,306) (2,160)
Net cash used in investing activities (4,534) (4,370) (7,209)
Cash flows from financing activities      
Proceeds from issuance of common stock upon initial public offering and the private placement, net of underwriting discounts and commissions and other offering costs 305,191 0 0
Repayment of non-recourse promissory note 3,060 0 0
Repurchase and retirement of common stock in connection with tender offer 0 0 (7,024)
Repurchase and retirement of redeemable convertible preferred stock in connection with tender offer 0 0 (12,991)
Proceeds from issuance of Series E and F convertible preferred stock, net of issuance costs 2,980 84,834 129,770
Proceeds from exercise of stock options 8,345 2,382 1,034
Payment of debt issuance costs (1,373) 0 0
Repayment of term loan 0 0 (2,772)
Proceeds from (repayments of) revolving credit facility borrowings, net (80,000) 35,000 9,000
Net cash provided by financing activities 238,203 122,216 117,017
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash (40) 918 329
Net increase in cash, cash equivalents and restricted cash 215,238 4,555 118,572
Cash, cash equivalents, and restricted cash at beginning of period 188,075 183,520 64,948
Cash, cash equivalents, and restricted cash at end of period 403,313 188,075 183,520
Supplemental disclosure of cash flow information      
Cash paid for interest 934 1,061 1,563
Cash paid for income taxes 756 421 186
Supplemental disclosure of non-cash investing and financing activities      
Operating lease right-of-use assets obtained in exchange for operating lease liabilities 2,532 1,523 8,455
Vesting of early exercised options 482 185 36
Conversion of preferred stock to common stock 390,687 0 0
Reconciliation of cash, cash equivalents and restricted cash      
Cash and cash equivalents 403,262 186,694 182,354
Restricted cash 51 1,381 1,166
Total cash, cash equivalents and restricted cash $ 403,313 $ 188,075 $ 183,520