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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Cash flows from operating activities:    
Net income (loss) $ 314,680 $ (2,826,500)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:    
Stock-based compensation expense 1,623,994 1,780,726
Depreciation and amortization 2,131,234 1,838,354
Noncash lease expense 282,193 317,111
Changes in operating assets and liabilities:    
Accounts receivable (639,045) (1,025,582)
Other receivable (420,033) 0
Prepaid expenses and other current assets (711,185) (167,991)
Accounts payable and accrued liabilities 850,358 1,194,607
Operating lease liability (253,390) (238,669)
Customer card funding 27,775,501 15,159,540
Net cash provided by operating activities 30,954,307 16,031,596
Cash flows from investing activities:    
Purchase of fixed assets (75,661) (189,562)
Capitalization of internally developed software (2,508,348) (1,718,638)
Purchase of intangible assets 0 (58,481)
Net cash used in investing activities (2,584,009) (1,966,681)
Cash flows from financing activities:    
Proceeds from exercise of stock options 0 192,141
Net cash provided by financing activities 0 192,141
Net change in cash and restricted cash 28,370,298 14,257,056
Cash and restricted cash, beginning of period 68,671,070 55,930,404
Cash and restricted cash, end of period 97,041,368 70,187,460
Cash and restricted cash reconciliation:    
Cash 7,981,953 6,926,969
Restricted cash 89,059,415 63,260,491
Total cash and restricted cash 97,041,368 70,187,460
Non-cash financing activities    
Cash paid for taxes 27,374 2,400
Interest paid 221 3,704
Fixed assets acquired through accounts payable $ 0 $ 94,549