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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Operating activities      
Net (loss) income $ (98,866) $ (26,702) $ 6,722
Adjustments to reconcile net (loss) income to net cash provided by operating activities:      
Depreciation and amortization of property, equipment and internal-use software 64,722 63,422 58,714
Amortization of intangible assets 20,798 21,277 24,257
Provision for uncollectible overdrawn accounts from purchase transactions 12,765 19,762 24,771
Provision for loan losses 23,450 27,562 26,311
Stock-based compensation 18,703 29,928 33,744
Losses in equity method investments 86,870 15,751 9,310
Realized loss on available-for-sale investment securities 24,779 0 0
Amortization of premium and discount on available-for-sale investment securities 377 (1,986) (2,276)
Impairment of long-lived assets 2,023 4,944 0
Deferred income tax expense (benefit) 368 (10,356) (11,867)
Other 3,621 (40) (4,100)
Changes in operating assets and liabilities:      
Accounts receivable, net (78,006) (41,628) (60,475)
Prepaid expenses and other assets (6,042) 182 3,354
Deferred expenses 453 304 13,001
Accounts payable and other accrued liabilities 69,390 (19,469) 690
Deferred revenue (2,815) (917) (19,539)
Income tax receivable/payable (4,525) (22) (5,613)
Other, net 492 (629) 515
Net cash provided by operating activities 138,557 81,383 97,519
Investing activities      
Purchases of available-for-sale investment securities (1,280,914) (11,845) 0
Proceeds from maturities of available-for-sale securities 217,579 232,689 176,665
Proceeds from sales and calls of available-for-sale securities 730,801 273 186
Payments for property, equipment and internal-use software (72,540) (74,287) (75,942)
Net changes in loans (43,188) (27,857) (28,970)
Investment in TailFin Labs, LLC 0 (35,000) (35,000)
Other investing activities (2,271) (2,571) (3,782)
Net cash (used in) provided by investing activities (450,533) 81,402 33,157
Financing activities      
Borrowings on notes payable 14,860 49,501 0
Borrowings on revolving line of credit 0 238,000 282,000
Repayments on revolving line of credit 0 (299,000) (256,000)
Proceeds from exercise of options and ESPP purchases 3,678 4,996 5,565
Taxes paid related to net share settlement of equity awards (2,913) (2,892) (3,903)
Net changes in deposits 404,802 717,982 (159,436)
Net changes in settlement assets and obligations to customers (278,529) 35,636 (132,245)
Deferred financing costs (623) (1,075) 0
Net cash provided by (used in) financing activities 141,275 743,148 (264,019)
Net (decrease) increase in unrestricted cash, cash equivalents and restricted cash (170,701) 905,933 (133,343)
Unrestricted cash, cash equivalents and restricted cash, beginning of period 1,592,435 686,502 819,845
Unrestricted cash, cash equivalents and restricted cash, end of period 1,421,734 1,592,435 686,502
Cash paid for interest 12,372 12,968 5,923
Cash paid for income taxes 6,097 13,590 24,351
Unrestricted cash and cash equivalents 1,421,690 1,592,391 682,263
Restricted cash 44 44 4,239
Total unrestricted cash, cash equivalents and restricted cash, end of period $ 1,421,734 $ 1,592,435 $ 686,502