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Condensed Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
Cash flows from operating activities    
Net loss $ (23,310) $ (7,770)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities    
Depreciation and amortization 1,517 1,245
Stock-based compensation expense, net 9,594 1,522
Other 83 7
Changes in operating assets and liabilities:    
Disbursement prefunding 62,450 34,425
Customer funds receivable (14,453) (11,298)
Prepaid expenses and other assets (6,221) (5,165)
Operating lease right-of-use assets 807 661
Accounts payable 4,857 8,474
Customer liabilities 10,257 48,390
Accrued expenses and other liabilities (4,362) (6,740)
Operating lease liabilities (969) (835)
Net cash provided by operating activities 40,250 62,916
Cash flows from investing activities    
Purchases of property and equipment (872) (265)
Capitalized internal-use software costs (753) (933)
Net cash used in investing activities (1,625) (1,198)
Cash flows from financing activities    
Proceeds from issuance of Series F convertible preferred stock, net of issuance costs 0 3,000
Proceeds from exercise of stock options 2,601 1,126
Repayments of revolving credit facility borrowings, net 0 (15,000)
Net cash provided by (used in) financing activities 2,601 (10,874)
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash 117 84
Net increase in cash, cash equivalents and restricted cash 41,343 50,928
Cash, cash equivalents, and restricted cash at beginning of period 403,313 188,075
Cash, cash equivalents, and restricted cash at end of period 444,656 239,003
Supplemental disclosure of cash flow information    
Cash paid for interest 227 192
Cash paid for income taxes 605 46
Supplemental disclosure of non-cash investing and financing activities    
Operating lease right-of-use assets obtained in exchange for operating lease liabilities 2,830 0
Vesting of early exercised options 205 53
Non-cash issuance shares through Employee Stock Purchase Plan 1,882 0
Reconciliation of cash, cash equivalents and restricted cash    
Cash and cash equivalents 444,605 238,502
Restricted Cash and Cash Equivalents 51 501
Total cash, cash equivalents and restricted cash $ 444,656 $ 239,003