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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Operating revenues:      
Interest income, net $ 62,365 $ 37,344 $ 42,157
Total operating revenues 1,723,876 1,501,328 1,449,566
Operating expenses:      
Sales and marketing expenses 217,210 245,325 297,900
Compensation and benefits expenses 251,044 238,528 243,939
Processing expenses 887,249 639,228 481,460
Other general and administrative expenses 370,041 355,577 331,892
Total operating expenses 1,725,544 1,478,658 1,355,191
Operating (loss) income (1,668) 22,670 94,375
Interest expense, net 5,506 3,027 255
Other expense, net (15,365) (5,010) (10,199)
(Loss) income before income taxes (22,539) 14,633 83,921
Income tax expense 4,163 7,911 19,709
Net (loss) income $ (26,702) $ 6,722 $ 64,212
Basic (loss) earnings per common share (in USD per share) $ (0.50) $ 0.13 $ 1.20
Diluted (loss) earnings per common share (in USD per share) $ (0.50) $ 0.13 $ 1.19
Basic weighted-average common shares issued and outstanding (in shares) 53,527 52,251 53,351
Diluted weighted-average common shares issued and outstanding (in shares) 53,527 52,510 53,871
Card revenues and other fees      
Operating revenues:      
Operating revenues $ 1,231,458 $ 1,007,565 $ 876,318
Cash processing revenues      
Operating revenues:      
Operating revenues 231,753 225,416 235,445
Interchange revenues      
Operating revenues:      
Operating revenues $ 198,300 $ 231,003 $ 295,646