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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2019
Sep. 30, 2018
Operating activities    
Net income $ 98,204 $ 104,431
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization of property, equipment and internal-use software 35,929 28,154
Amortization of intangible assets 24,523 24,586
Provision for uncollectible overdrawn accounts 64,686 63,358
Employee stock-based compensation 30,136 37,373
Amortization of (discount) premium on available-for-sale investment securities (209) 914
Change in fair value of contingent consideration (1,866) 13,500
Amortization of deferred financing costs 1,253 1,195
Impairment of capitalized software 121 352
Changes in operating assets and liabilities:    
Accounts receivable, net (58,683) (55,486)
Prepaid expenses and other assets 9,679 1,458
Deferred expenses 14,438 13,783
Accounts payable and other accrued liabilities (20,132) (13,315)
Deferred revenue (19,385) (11,587)
Income tax receivable/payable 25,961 2,452
Other, net 6 3,174
Net cash provided by operating activities 204,661 214,342
Investing activities    
Purchases of available-for-sale investment securities (117,959) (128,991)
Proceeds from maturities of available-for-sale securities 72,569 45,774
Proceeds from sales of available-for-sale securities 4,905 11,125
Payments for acquisition of property and equipment (58,185) (43,397)
Net increase in loans (1,457) (5,617)
Net cash used in investing activities (100,127) (121,106)
Financing activities    
Repayments of borrowings from notes payable (60,000) (16,875)
Proceeds from exercise of options 4,862 19,123
Taxes paid related to net share settlement of equity awards (18,159) (33,180)
Net decrease in deposits (133,132) (5,506)
Net decrease in obligations to customers (25,311) (24,861)
Contingent consideration payments (3,634) (3,856)
Repurchase of Class A common stock (100,000) 0
Net cash used in financing activities (335,374) (65,155)
Net (decrease) increase in unrestricted cash, cash equivalents and restricted cash (230,840) 28,081
Unrestricted cash, cash equivalents and restricted cash, beginning of period 1,095,218 1,010,095
Unrestricted cash, cash equivalents and restricted cash, end of period 864,378 1,038,176
Cash paid for interest 2,049 3,335
Cash (refund from)/paid for income taxes (3,612) 4,313
Total unrestricted cash, cash equivalents and restricted cash, end of period $ 1,095,218 $ 1,010,095