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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Cash flows from operating activities      
Net loss $ (114,019) $ (38,756) $ (32,564)
Adjustments to reconcile net loss to net cash used in operating activities      
Depreciation and amortization 6,724 5,256 4,060
Stock-based compensation expense, net 95,293 17,016 5,264
Donation of common stock 1,972 6,933 0
Other 356 452 2
Changes in operating assets and liabilities:      
Disbursement prefunding (38,428) (18,069) (69,719)
Customer funds receivable (126,942) (17,282) (20,028)
Prepaid expenses and other assets (4,598) (12,559) (1,959)
Operating lease right-of-use assets 3,763 2,780 2,376
Accounts payable 5,535 (3,035) 4,044
Customer liabilities 42,979 16,097 (29,073)
Accrued expenses and other liabilities 26,298 26,071 25,935
Operating lease liabilities (4,073) (3,295) (2,547)
Net cash used in operating activities (105,140) (18,391) (114,209)
Cash flows from investing activities      
Purchases of property and equipment (3,679) (1,956) (2,064)
Capitalized internal-use software costs (3,382) (2,578) (2,306)
Cash paid for acquisition, net of acquired cash and cash equivalents (248) 0 0
Net cash used in investing activities (7,309) (4,534) (4,370)
Cash flows from financing activities      
Proceeds from issuance of common stock upon initial public offering and private placements, net of offering costs, underwriting discounts and commissions 0 305,191 0
Repayment of non-recourse promissory note 0 3,060 0
Proceeds from issuance of Series E and F convertible preferred stock, net of issuance costs 0 2,980 84,834
Proceeds from exercise of stock options 11,554 8,345 2,382
Payment of debt issuance costs 0 (1,373) 0
Proceeds from (repayments of) revolving credit facility borrowings, net 0 (80,000) 35,000
Taxes paid related to net share settlement of equity awards (99) 0 0
Repayment of long-term debt (384) 0 0
Net cash provided by financing activities 11,071 238,203 122,216
Effect of foreign exchange rate changes on cash, cash equivalents and restricted cash (1,201) (40) 918
Net (decrease) increase in cash, cash equivalents and restricted cash (102,579) 215,238 4,555
Cash, cash equivalents, and restricted cash at beginning of period 403,313 188,075 183,520
Cash, cash equivalents, and restricted cash at end of period 300,734 403,313 188,075
Supplemental disclosure of cash flow information      
Cash paid for interest 906 934 1,061
Cash paid for income taxes 2,282 756 421
Supplemental disclosure of noncash investing and financing activities      
Operating lease right-of-use assets obtained in exchange for operating lease liabilities 7,441 2,532 1,523
Vesting of early exercised options 716 482 185
Noncash issuance of common stock in connection with ESPP 3,516 0 0
Stock-based compensation expense capitalized to internal-use software 1,821 0 0
IPO and debt issuance costs incurred but not yet paid 0 2,287 0
Conversion of redeemable convertible preferred stock to common stock in connection with initial public offering 0 390,687 0
Reconciliation of cash, cash equivalents and restricted cash      
Cash and cash equivalents 300,635 403,262 186,694
Restricted cash 99 51 1,381
Total cash, cash equivalents and restricted cash $ 300,734 $ 403,313 $ 188,075