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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Cash flows from operating activities    
Net loss $ (15,990) $ (25,147)
Adjustments to reconcile net loss to net cash used by operating activities    
Depreciation and amortization expense 8,586 7,718
Amortization of deferred financing costs 110 339
Provision for credit losses 550 1,073
Stock-based compensation 8,931 6,791
Accrued interest 503 599
Loss on fixed asset disposal   26
Accretion of investments held to maturity (1,238) (60)
Deferred income taxes 53 54
Changes in operating assets and liabilities    
Accounts receivable (3,702) (3,537)
Prepaid expenses and other current assets (2,556) (3,601)
Other noncurrent assets 1,205 (59)
Deferred customer origination costs 205 773
Accounts payable (23) (872)
Deferred revenue (261) (525)
Accrued expenses and other liabilities (21,887) (8,835)
Operating lease liabilities (115) (51)
Total adjustments (9,639) (167)
Net cash used in operating activities (25,629) (25,314)
Cash flows from investing activities    
Purchase of marketable securities held to maturity (62,999) (228,595)
Proceeds from maturity of marketable securities held to maturity 111,680  
Purchases of equipment (332) (967)
Purchases of real estate   (767)
Purchases of intangible assets (3,855) (11,309)
Supplier advances, net (310) (2,048)
Net cash provided by (used in) investing activities 44,184 (243,686)
Cash flows from financing activities    
Proceeds from the issuance of long-term debt   1,170
Repayments of long-term debt (406)  
Principal payments on finance leases (165) (237)
Proceeds from issuance of common stock 366 173
Debt issuance costs (624)  
Payment of acquisition-related liability (100)  
Payment service obligations (232,652) (310,371)
Net cash used in financing activities (233,581) (309,265)
Net (decrease) increase in cash, cash equivalents, and restricted funds held for customers (215,026) (578,265)
Cash, cash equivalents, and restricted funds held for customers    
Cash, cash equivalents, and restricted funds held for customers, beginning of year 1,634,387 1,805,163
Cash, cash equivalents, and restricted funds held for customers, end of period 1,419,361 1,226,898
Supplementary information of noncash investing and financing activities    
Right-of-use assets obtained in exchange for new finance lease obligations   57
Right-of-use assets obtained in exchange for new operating lease obligations 362 2,831
Property and equipment purchases in accounts payable and accrued expenses 14 4
Interest paid on notes payable 1,255 2,612
Interest paid on finance leases $ 1,448 $ 1,421