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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Operating activities      
Net (loss) income $ (26,702) $ 6,722 $ 64,212
Adjustments to reconcile net (loss) income to net cash provided by operating activities:      
Depreciation and amortization of property, equipment and internal-use software 63,422 58,714 57,101
Amortization of intangible assets 21,277 24,257 23,509
Provision for uncollectible overdrawn accounts from purchase transactions 19,762 24,771 13,771
Provision for loan losses 27,562 26,311 32,352
Stock-based compensation 29,928 33,744 34,812
Losses in equity method investments 15,751 9,310 15,648
Amortization of discount on available-for-sale investment securities (1,986) (2,276) (1,434)
Impairment of long-lived assets 4,944 0 4,264
Deferred income tax benefit (10,356) (11,867) (6,674)
Other (40) (4,100) (4,666)
Changes in operating assets and liabilities:      
Accounts receivable, net (41,628) (60,475) (7,807)
Prepaid expenses and other assets 182 3,354 5,417
Deferred expenses 304 13,001 2,308
Accounts payable and other accrued liabilities (19,469) 690 41,098
Deferred revenue (917) (19,539) (3,694)
Income tax receivable/payable (22) (5,613) 11,716
Other, net (629) 515 (4,247)
Net cash provided by operating activities 81,383 97,519 277,686
Investing activities      
Purchases of available-for-sale investment securities (11,845) 0 (931,549)
Proceeds from maturities of available-for-sale securities 232,689 176,665 293,748
Proceeds from sales and calls of available-for-sale securities 273 186 3,488
Payments for property, equipment and internal-use software (74,287) (75,942) (84,326)
Net changes in loans (27,857) (28,970) (32,057)
Investment in TailFin Labs, LLC (35,000) (35,000) (35,000)
Purchase of other investments, net 0 0 (31,934)
Other investing activities (2,571) (3,782) (2,558)
Net cash provided by investing activities 81,402 33,157 (820,188)
Financing activities      
Borrowings on notes payable 49,501 0 0
Borrowings on revolving line of credit 238,000 282,000 100,000
Repayments on revolving line of credit (299,000) (256,000) (65,000)
Proceeds from exercise of options and ESPP purchases 4,996 5,565 6,177
Taxes paid related to net share settlement of equity awards (2,892) (3,903) (5,947)
Net changes in deposits 717,982 (159,436) 157,140
Net changes in settlement assets and obligations to customers 35,636 (132,245) (53,991)
Contingent consideration payments 0 0 (1,647)
Repurchase of Class A common stock 0 0 (95,525)
Deferred financing costs (1,075) 0 0
Other financing activities 0 0 (4,500)
Net cash provided by (used in) financing activities 743,148 (264,019) 36,707
Net increase (decrease) in unrestricted cash, cash equivalents and restricted cash 905,933 (133,343) (505,795)
Unrestricted cash, cash equivalents and restricted cash, beginning of period 686,502 819,845 1,325,640
Unrestricted cash, cash equivalents and restricted cash, end of period 1,592,435 686,502 819,845
Cash paid for interest 12,968 5,923 627
Cash paid for income taxes 13,590 24,351 12,966
Unrestricted cash and cash equivalents 1,592,391 682,263 813,945
Restricted cash 44 4,239 5,900
Total unrestricted cash, cash equivalents and restricted cash, end of period $ 1,592,435 $ 686,502 $ 819,845