Green Dot (GDOT) 10-Q 10 Aug 15 2015 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Jul. 31, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	GREEN DOT CORP
Trading Symbol	GDOT
Entity Central Index Key	1,386,278
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-Q
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Common Stock, Shares Outstanding		52,075,449

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Current assets:
Unrestricted cash and cash equivalents	$ 763,870	$ 724,158
Federal funds sold	481	480
Restricted cash	4,665	2,015
Investment securities available-for-sale, at fair value	76,746	46,650
Settlement assets	46,855	148,694
Accounts receivable, net	23,193	48,917
Prepaid expenses and other assets	30,142	23,992
Income tax receivable	0	16,290
Total current assets	945,952	1,011,196
Restricted cash	2,182	2,152
Investment securities, available-for-sale, at fair value	122,433	73,781
Loans to bank customers, net of allowance for loan losses of $377 and $444 as of June 30, 2015 and December 31, 2014, respectively	6,451	6,550
Prepaid expenses and other assets	11,052	11,883
Property and equipment, net	76,705	77,284
Deferred expenses	7,805	17,326
Net deferred tax assets	8,557	6,268
Goodwill and intangible assets	484,383	417,200
Total assets	1,665,520	1,623,640
Current liabilities:
Accounts payable	19,729	36,444
Deposits	608,081	565,401
Obligations to customers	55,321	98,052
Settlement obligations	4,300	4,484
Amounts due to card issuing banks for overdrawn accounts	1,721	1,224
Other accrued liabilities	69,901	79,137
Deferred revenue	13,749	24,418
Note payable	22,500	22,500
Income tax payable	11,213	0
Net deferred tax liabilities	4,253	3,995
Total current liabilities	810,768	835,655
Other accrued liabilities	40,254	31,495
Note payable	116,250	127,500
Total liabilities	$ 967,272	$ 994,650
Commitments and contingencies
Stockholders’ equity:
Additional paid-in capital	$ 408,522	$ 383,296
Retained earnings	290,002	245,693
Accumulated other comprehensive loss	(330)	(52)
Total stockholders’ equity	698,248	628,990
Total liabilities and stockholders’ equity	1,665,520	1,623,640
Convertible Series A preferred stock [Member]
Stockholders’ equity:
Convertible Series A preferred stock, $0.001 par value (as converted): 10 shares authorized as of June 30, 2015 and December 31, 2014; 2 shares issued and outstanding as of June 30, 2015 and December 31, 2014, respectively	2	2
Common Class A [Member]
Stockholders’ equity:
Class A common stock, $0.001 par value: 100,000 shares authorized as of June 30, 2015 and December 31, 2014; 51,911 and 51,146 shares issued and outstanding as of June 30, 2015 and December 31, 2014, respectively	$ 52	$ 51

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Allowance For Loan Losses	$ 377	$ 444
Convertible Series A preferred stock [Member]
Convertible Series A Preferred Stock, par value (in dollars per share)	$ 0.001	$ 0.001
Convertible Series A Preferred Stock, shares authorized	10,000	10,000
Convertible Series A Preferred Stock, Shares Issued	2,000	2,000
Convertible Series A Preferred Stock, Shares Outstanding	2,000	2,000
Common Class A [Member]
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock, shares authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	51,911,000	51,146,000
Common stock, shares outstanding	51,911,000	51,146,000

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Operating revenues:
Card revenues and other fees	$ 83,810	$ 60,892	$ 171,034	$ 129,059
Processing and settlement service revenues	39,416	45,491	126,537	91,767
Interchange revenues	47,635	42,655	102,361	89,869
Stock-based retailer incentive compensation	(614)	(2,022)	(2,520)	(4,410)
Total operating revenues	170,247	147,016	397,412	306,285
Total operating revenues
Sales and marketing expenses	55,845	57,200	117,124	117,443
Compensation and benefits expenses	41,461	30,215	82,815	57,178
Processing expenses	27,120	17,285	57,720	39,364
Other general and administrative expenses	38,903	20,584	66,939	46,908
Total operating expenses	163,329	125,284	324,598	260,893
Operating income	6,918	21,732	72,814	45,392
Interest income	1,118	1,039	2,496	2,016
Interest expense	(1,549)	(29)	(3,045)	(45)
Income before income taxes	6,487	22,742	72,265	47,363
Income tax expense	2,991	8,399	27,956	17,715
Net income	3,496	14,343	44,309	29,648
Income attributable to preferred stock	(99)	(1,703)	(1,263)	(3,966)
Net income available to common stockholders	$ 3,397	$ 12,640	$ 43,046	$ 25,682
Basic earnings per common share (in dollars per share)	$ 0.07	$ 0.32	$ 0.83	$ 0.66
Diluted earnings per common share (in dollars per share)	$ 0.06	$ 0.31	$ 0.83	$ 0.64
Basic weighted-average common shares issued and outstanding (shares)	51,811	39,394	51,631	38,433
Diluted weighted-average common shares issued and outstanding (shares)	52,275	40,052	52,104	39,466

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Statement of Comprehensive Income [Abstract]
Net income	$ 3,496	$ 14,343	$ 44,309	$ 29,648
Other comprehensive income
Unrealized holding (loss) gain, net of tax	(363)	53	(278)	90
Comprehensive income	$ 3,133	$ 14,396	$ 44,031	$ 29,738

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Operating activities
Net income	$ 44,309	$ 29,648
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation and amortization of property and equipment	18,478	15,557
Amortization of intangible assets	11,209	0
Provision for uncollectible overdrawn accounts	31,566	16,059
Employee stock-based compensation	11,623	8,686
Stock-based retailer incentive compensation	2,520	4,410
Amortization of premium on available-for-sale investment securities	508	538
Change in fair value of contingent consideration	(7,516)	0
Impairment of capitalized software	4,997	0
Amortization of deferred financing costs	767	0
Deferred income tax expense	12	0
Changes in operating assets and liabilities:
Accounts receivable, net	(3,765)	3,458
Prepaid expenses and other assets	(3,417)	1,983
Deferred expenses	9,521	6,372
Accounts payable and other accrued liabilities	(19,898)	(16,328)
Amounts due to card issuing banks for overdrawn accounts	497	(49,391)
Deferred revenue	(10,719)	(10,394)
Income tax payable/receivable	27,424	13,960
Other, net	56	(49)
Net cash provided by operating activities	118,172	24,509
Investing activities
Purchases of available-for-sale investment securities	(126,036)	(93,388)
Proceeds from maturities of available-for-sale securities	33,531	83,263
Proceeds from sales of available-for-sale securities	12,935	38,109
Increase in restricted cash	(1,253)	(601)
Payments for acquisition of property and equipment	(25,042)	(14,096)
Net decrease in loans	99	222
Acquisition, net of cash acquired	(65,209)	(14,860)
Net cash used in investing activities	(170,975)	(1,351)
Financing activities
Repayments of borrowings from note payable	(11,250)	0
Borrowings on revolving line of credit	30,001	0
Repayments on revolving line of credit	(30,001)	0
Proceeds from exercise of options	798	3,348
Excess tax benefits from exercise of options	27	3,563
Net increase in deposits	42,680	240,014
Net increase (decrease) in obligations to customers	60,929	(13,693)
Contingent consideration payments	(668)	0
Net cash provided by financing activities	92,516	233,232
Net increase in unrestricted cash, cash equivalents, and federal funds sold	39,713	256,390
Unrestricted cash, cash equivalents, and federal funds sold, beginning of year	724,638	423,621
Unrestricted cash, cash equivalents, and federal funds sold, end of period	764,351	680,011
Cash paid for interest	2,278	46
Cash paid for income taxes	$ 891	$ 219

Organization

Organization	6 Months Ended
	Jun. 30, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization	Organization Green Dot Corporation (“we,” “us” and “our” refer to Green Dot Corporation and its wholly-owned subsidiaries) is a pro-consumer technology innovator with a mission to reinvent personal banking for the masses. Our products and services include: Green Dot MasterCard and Visa-branded prepaid debit cards and several co-branded reloadable prepaid card programs, collectively referred to as our GPR cards; Visa-branded gift cards; checking account products, such as GoBank, an innovative checking account developed for use via mobile phones that is available at Walmart and online; our swipe reload proprietary products referred to as our cash transfer products, which enable cash loading and transfer services through our Green Dot Network; and tax refund processing services designed to facilitate the secure receipt of funds claimed by a taxpayer as a refund on a taxpayer's tax return. Our products and services are available to consumers through a large-scale "branchless bank" distribution network of more than 100,000 U.S. locations, including retailers, neighborhood financial service center locations and tax preparation offices, as well as online, in the leading app stores and through leading online tax preparation providers. The Green Dot Network enables consumers to use cash to reload our prepaid debit cards or to transfer cash to any of our Green Dot Network acceptance members, including competing prepaid card programs and other online accounts. We are also the tax refund processing service provider for four out of the six leading consumer online and in-person tax preparation companies. We market our products and services to consumers in the United States. Our prepaid debit cards are issued by our wholly-owned subsidiary, Green Dot Bank and third-party issuing banks including The Bancorp Bank and Sunrise Banks, N.A. We also have multi-year distribution arrangements with many large and medium-sized retailers, such as Walmart, Walgreens, CVS, Rite Aid, 7-Eleven, Kroger, Kmart, and Dollar Tree, and with various industry resellers, such as Blackhawk Network and Incomm. We refer to participating retailers collectively as our “retail distributors.” Our tax refund processing services are integrated into the offerings of the nation’s leading tax software companies, which, together, enable us to serve approximately 25,000 independent online and in-person tax preparers and accountants nationwide. In January 2015, we completed the acquisition of AccountNow, Inc. We issued approximately 514,000 shares of our Class A common stock on the date of close and the remainder of the consideration was paid in cash. AccountNow's results of operations are included in our consolidated statements of operations following the acquisition date. We have not presented pro-forma results of operations because the effect of this acquisition was not material to our financial results. Of the total consideration transferred, we made a preliminary allocation of $61.6 million and $16.1 million to goodwill and intangible assets, respectively. We may adjust this allocation after obtaining more information regarding, among other things, asset valuations, liabilities assumed, and revisions to preliminary estimates over the measurement period not to exceed 12 months from the date of acquisition.

Summary of Significant Accounti

Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Basis of Presentation The accompanying unaudited consolidated financial statements are prepared in accordance with generally accepted accounting principles in the United States of America, or GAAP. We consolidated our wholly-owned subsidiaries and eliminated all significant intercompany balances and transactions. We have also prepared the accompanying unaudited consolidated financial statements in conformity with the instructions to Form 10-Q and Article 10 of Regulation S-X and, consequently, they do not include all of the annual disclosures required by GAAP. Reference is made to our Annual Report on Form 10-K for the year ended December 31, 2014 for additional disclosures, including a summary of our significant accounting policies. There have been no changes to our significant accounting policies during the six months ended June 30, 2015 . In our opinion, the accompanying unaudited consolidated financial statements contain all adjustments, consisting of normal and recurring items, except as otherwise noted, necessary for the fair presentation of our financial position, results of operations and cash flows for the interim periods presented. Recent Accounting Pronouncements In April 2015, the FASB issued ASU No. 2015-05, Customer's Accounting for Fees Paid in a Cloud Computing Arrangement ("ASU 2015-05") . This ASU provides guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The new guidance does not change the accounting for service contracts. Note 2—Summary of Significant Accounting Policies (continued) ASU 2015-05 is effective for interim and annual reporting periods beginning after December 15, 2015. We are currently evaluating the provisions of the ASU to determine the potential impact the new standard will have on our consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, Simplifying the Presentation of Debt Issuance Costs ("ASU 2015-03") which changes the presentation of debt issuance costs in financial statements. ASU 2015-03 requires an entity to present such costs in the balance sheet as a direct deduction from the related debt liability rather than as an asset. Amortization of the costs will continue to be reported as interest expense. The ASU is effective for annual reporting periods beginning after December 15, 2015, with early adoption permitted. The new guidance will be applied retrospectively to each prior period presented. We are currently in the process of evaluating the impact of adoption of the ASU on our consolidated balance sheets. In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers ("ASU 2014-09"), which supersedes nearly all existing revenue recognition guidance under GAAP. The core principle of ASU 2014-09 is to recognize revenues when promised goods or services are transferred to customers in an amount that reflects the consideration to which an entity expects to be entitled for those goods or services. ASU 2014-09 defines a five step process to achieve this core principle and, in doing so, more judgment and estimates may be required within the revenue recognition process than are required under existing GAAP. In July 2015, the FASB voted to defer the effective date of ASU 2014-09 by one year, making the standard effective for annual periods beginning after December 15, 2017, and interim periods therein, using either of the following transition methods: (i) a full retrospective approach reflecting the application of the standard in each prior reporting period with the option to elect certain practical expedients, or (ii) a retrospective approach with the cumulative effect of initially adopting ASU 2014-09 recognized at the date of adoption (which includes additional footnote disclosures). Early adoption is permitted for periods beginning after December 15, 2016. We are currently evaluating the impact of our pending adoption of ASU 2014-09 on our consolidated financial statements.

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities Our available-for-sale investment securities were as follows: Amortized cost Gross unrealized gains Gross unrealized losses Fair value (In thousands) June 30, 2015 Corporate bonds $ 36,901 $ 2 $ (34 ) $ 36,869 Commercial paper 36,787 4 (3 ) 36,788 U.S. Treasury notes 26,274 11 (1 ) 26,284 Mortgage-backed securities 79,711 43 (477 ) 79,277 Municipal bonds 2,129 66 (7 ) 2,188 Asset-backed securities 17,772 5 (4 ) 17,773 Total investment securities $ 199,574 $ 131 $ (526 ) $ 199,179 December 31, 2014 Corporate bonds $ 40,433 $ 4 $ (48 ) $ 40,389 Commercial paper 7,648 1 — 7,649 U.S. Treasury notes 14,782 5 (16 ) 14,771 Agency securities 2,950 — — 2,950 Mortgage-backed securities 35,420 119 (177 ) 35,362 Municipal bonds 5,555 61 (21 ) 5,595 Asset-backed securities 13,727 — (12 ) 13,715 Total investment securities $ 120,515 $ 190 $ (274 ) $ 120,431 Note 3 — Investment Securities (continued) As of June 30, 2015 and December 31, 2014 , the gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows: Less than 12 months 12 months or more Total fair value Total unrealized loss Fair value Unrealized loss Fair value Unrealized loss (In thousands) June 30, 2015 Corporate bonds $ 29,312 $ (34 ) $ — $ — $ 29,312 $ (34 ) Commercial paper 8,926 (3 ) — — 8,926 (3 ) US Treasury notes 8,191 (1 ) — — 8,191 (1 ) Mortgage-backed securities 64,444 (477 ) — — 64,444 (477 ) Municipal bonds 393 (7 ) — — 393 (7 ) Asset-backed securities 9,631 (4 ) — — 9,631 (4 ) Total investment securities $ 120,897 $ (526 ) $ — $ — $ 120,897 $ (526 ) December 31, 2014 Corporate bonds $ 33,348 $ (48 ) $ — $ — $ 33,348 $ (48 ) U.S. Treasury notes 6,068 (16 ) — — 6,068 (16 ) Mortgage-backed securities 21,495 (163 ) 1,143 (14 ) 22,638 (177 ) Municipal bonds — — 419 (21 ) 419 (21 ) Asset-backed securities 12,254 (12 ) — — 12,254 (12 ) Total investment securities $ 73,165 $ (239 ) $ 1,562 $ (35 ) $ 74,727 $ (274 ) We did not record any other-than-temporary impairment losses during the three and six months ended June 30, 2015 or 2014 on our available-for-sale investment securities. We do not intend to sell these investments and we have determined that it is more likely than not that we will not be required to sell these investments before recovery of their amortized cost bases, which may be at maturity. As of June 30, 2015 , the contractual maturities of our available-for-sale investment securities were as follows: Amortized cost Fair value (In thousands) Due in one year or less $ 76,751 $ 76,746 Due after one year through five years 23,760 23,753 Due after five years through ten years 330 336 Due after ten years 1,250 1,294 Mortgage and asset-backed securities 97,483 97,050 Total investment securities $ 199,574 $ 199,179 The expected payments on mortgage-backed and asset-backed securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations.

Accounts Receivable

Accounts Receivable	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Accounts Receivable	Accounts Receivable Accounts receivable, net consisted of the following: June 30, 2015 December 31, 2014 (In thousands) Overdrawn account balances due from cardholders $ 14,029 $ 14,412 Reserve for uncollectible overdrawn accounts (12,039 ) (11,196 ) Net overdrawn account balances due from cardholders 1,990 3,216 Trade receivables 5,828 8,265 Reserve for uncollectible trade receivables (62 ) (16 ) Net trade receivables 5,766 8,249 Receivables due from card issuing banks 9,420 28,349 Fee advances 496 6,545 Other receivables 5,521 2,558 Accounts receivable, net $ 23,193 $ 48,917 Activity in the reserve for uncollectible overdrawn accounts consisted of the following: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands) Balance, beginning of period $ 12,580 $ 9,165 $ 11,196 $ 10,363 Provision for uncollectible overdrawn accounts: Fees 13,737 6,663 27,381 14,403 Purchase transactions 2,637 906 4,185 1,656 Charge-offs (16,915 ) (8,179 ) (30,723 ) (17,867 ) Balance, end of period $ 12,039 $ 8,555 $ 12,039 $ 8,555

Property and Equipment

Property and Equipment	6 Months Ended
	Jun. 30, 2015
Property, Plant and Equipment [Abstract]
Property and Equipment	Property and Equipment During the three and six months ended June 30, 2015 we recorded an impairment charge of $5.0 million associated with capitalized internal-use software that was determined to no longer be utilized and any remaining carrying value was written off. During the three and six months ended June 30, 2014 , we did not record any impairment charges. The impairment charge is included within other general and administrative expenses in our consolidated statements of operations.

Loans to Bank Customers

Loans to Bank Customers	6 Months Ended
	Jun. 30, 2015
Loans and Leases Receivable Disclosure [Abstract]
Loans to Bank Customers	Loans to Bank Customers The following table presents total outstanding loans, gross of the related allowance for loan losses, and a summary of the related payment status: 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Total Current or Less Than 30 Days Past Due Total Outstanding (In thousands) June 30, 2015 Residential $ 1 $ — $ — $ 1 $ 3,758 $ 3,759 Commercial — — 28 28 280 308 Installment 2 11 4 17 2,744 2,761 Total loans $ 3 $ 11 $ 32 $ 46 $ 6,782 $ 6,828 Percentage of outstanding — % 0.2 % 0.5 % 0.7 % 99.3 % 100.0 % December 31, 2014 Residential $ — $ — $ — $ — $ 3,861 $ 3,861 Commercial — — — — 697 697 Installment 1 3 4 8 2,428 2,436 Total loans $ 1 $ 3 $ 4 $ 8 $ 6,986 $ 6,994 Percentage of outstanding — % — % 0.1 % 0.1 % 99.9 % 100.0 % Nonperforming Loans The following table presents the carrying value, gross of the related allowance for loan losses, of our nonperforming loans. See Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2014 for further information on the criteria for classification as nonperforming. June 30, 2015 December 31, 2014 (In thousands) Residential $ 291 $ 54 Commercial 10 31 Installment 168 104 Total loans $ 469 $ 189 Credit Quality Indicators We closely monitor and assess the credit quality and credit risk of our loan portfolio on an ongoing basis. We continuously review and update loan risk classifications. We evaluate our loans using non-classified or classified as the primary credit quality indicator. Classified loans are those loans that have demonstrated credit weakness where we believe there is a heightened risk of principal loss, including all impaired loans. Classified loans are generally internally categorized as substandard, doubtful or loss, consistent with regulatory guidelines. The table below presents the carrying value, gross of the related allowance for loan losses, of our loans within the primary credit quality indicators related to our loan portfolio: June 30, 2015 December 31, 2014 Non-Classified Classified Non-Classified Classified (In thousands) Residential $ 3,268 $ 491 $ 3,604 $ 257 Commercial 288 20 635 62 Installment 2,612 149 2,306 130 Total loans $ 6,168 $ 660 $ 6,545 $ 449 Note 6—Loans to Bank Customers (continued) Impaired Loans and Troubled Debt Restructurings When, for economic or legal reasons related to a borrower’s financial difficulties, we grant a concession for other than an insignificant period of time to a borrower that we would not otherwise consider, the related loan is classified as a Troubled Debt Restructuring, or TDR. Our TDR modifications involve an extension of the maturity date at a stated interest rate lower than the current market rate for new debt with similar risk. The following table presents our impaired loans and loans that we modified as TDRs as of June 30, 2015 and December 31, 2014 : June 30, 2015 December 31, 2014 Unpaid Principal Balance Carrying Value Unpaid Principal Balance Carrying Value (In thousands) Residential $ 382 $ 291 $ 97 $ 54 Commercial 255 10 270 31 Installment 375 168 367 104 Allowance for Loan Losses Activity in the allowance for loan losses consisted of the following: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands) Balance, beginning of period $ 340 $ 435 $ 444 $ 464 Provision for loans 39 — (34 ) — Loans charged off (9 ) (27 ) (44 ) (60 ) Recoveries of loans previously charged off 7 6 11 10 Balance, end of period $ 377 $ 414 $ 377 $ 414

Employee Stock-Based Compensati

Employee Stock-Based Compensation	6 Months Ended
	Jun. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Stock-Based Compensation	Employee Stock-Based Compensation We currently grant stock options and restricted stock units to employees and directors under our 2010 Equity Incentive Plan. Additionally, through our 2010 Employee Stock Purchase Plan, employees are able to purchase shares of our Class A common stock at a discount through payroll deductions. We have reserved shares of our Class A common stock for issuance under these plans. The following table summarizes restricted stock units granted under our 2010 Equity Incentive Plan: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands, except per share data) Restricted stock units granted 1,070 352 1,650 452 Weighted-average grant-date fair value $ 15.07 $ 18.68 $ 16.10 $ 19.09 We issued no stock options during the three and six months ended June 30, 2015 , and 54,000 and 106,000 during the three and six months ended June 30, 2014 . Additionally, on March 31, 2015, we granted 242,587 shares of performance-based restricted stock units to certain executive employees under our 2010 Equity Incentive Plan. The total stock-based compensation expense recognized was $6.4 million and $11.6 million for the three and six months ended June 30, 2015 , respectively, and $4.7 million and $8.7 million for the three and six months ended June 30, 2014 , respectively. Total stock-based compensation expense includes amounts related to awards of stock options and restricted stock units and purchases under our 2010 Employee Stock Purchase Plan.

Deposits

Deposits	6 Months Ended
	Jun. 30, 2015
Deposits [Abstract]
Deposits	Deposits Deposits are categorized as non-interest or interest-bearing deposits as follows: June 30, 2015 December 31, 2014 (In thousands) Non-interest bearing deposit accounts GPR deposits $ 559,977 $ 529,779 Other demand deposits 31,920 19,631 Total non-interest bearing deposit accounts 591,897 549,410 Interest-bearing deposit accounts Negotiable order of withdrawal (NOW) 1,018 905 Savings 7,791 7,985 Time deposits, denominations greater than or equal to $100 5,465 5,263 Time deposits, denominations less than $100 1,910 1,838 Total interest-bearing deposit accounts 16,184 15,991 Total deposits $ 608,081 $ 565,401 The scheduled contractual maturities for total time deposits are presented in the table below: June 30, 2015 (In thousands) Due in 2015 $ 1,843 Due in 2016 2,731 Due in 2017 2,271 Due in 2018 58 Due in 2019 336 Thereafter 136 Total time deposits $ 7,375

Note Payable

Note Payable	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Note Payable	Note Payable As of June 30, 2015 and December 31, 2014 , the Company's debt consisted of the following: June 30, 2015 December 31, 2014 (In thousands) Term facility $ 138,750 $ 150,000 Revolving facility — — Total notes payable $ 138,750 $ 150,000 In October 2014, we entered into a $225.0 million credit agreement with Bank of America, N.A., as an administrative agent, Wells Fargo Bank, National Association, and the other lenders party thereto. The credit agreement provides for 1) a $75.0 million five -year revolving facility (the "Revolving Facility") and 2) a five -year $150.0 million term loan facility ("Term Facility" and, together with the Revolving Facility, the “Senior Credit Facility). The credit agreement also includes an accordion feature that, subject to securing additional commitments from existing lenders or new lending institutions, will allow us to increase the aggregate amount of these facilities by up to an additional $50.0 million . Quarterly principal payments of $5.6 million are payable on the loans under the Term Facility. During the six months ended June 30, 2015 , we made scheduled quarterly principal payments totaling $11.2 million . The Senior Credit Facility matures on October 23, 2019 and any amounts then outstanding are due upon maturity. Interest At our election, loans made under the credit agreement bear interest at 1) a LIBOR rate (the “LIBOR Rate") or 2) a base rate determined by reference to the highest of (a) the Bank of America prime rate, (b) the United States federal funds rate plus 0.50% and (c) a daily rate equal to one-month LIBOR rate plus 1.0% (the “Base Rate"), plus in either case an applicable margin. The applicable margin for borrowings depends on our total leverage ratio and varies from 2.50% to 3.00% for LIBOR Rate loans and 1.50% to 2.00% for Base Rate loans. The effective interest rate on Note 9—Note Payable (continued) borrowings outstanding as of June 30, 2015 was 2.94% . Interest expense, excluding the amortization of debt issuance costs, related to our Senior Credit Facility was $1.1 million and $2.2 million for the three and six months ended June 30, 2015 . Covenants and restrictions The Senior Credit Facility contains customary representations and warranties relating to us and our subsidiaries. The Senior Credit Facility also contains certain affirmative and negative covenants including negative covenants that limit or restrict, among other things, liens, indebtedness, investments and acquisitions, mergers and fundamental changes, asset sales, restricted payments, changes in the nature of the business, transactions with affiliates and other matters customarily restricted in such agreements. We must maintain a minimum fixed charge coverage ratio and a maximum consolidated leverage ratio at the end of each fiscal quarter, as set forth in the credit agreement. At June 30, 2015 , we were in compliance with all such covenants.

Income Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense for the six months ended June 30, 2015 and 2014 differs from the amount computed by applying the statutory federal income tax rate to income before income taxes. The sources and tax effects of the differences are as follows: Six Months Ended June 30, 2015 2014 U.S. federal statutory tax rate 35.0 % 35.0 % State income taxes, net of federal tax benefit 2.5 1.8 General business credits (1.1 ) (1.1 ) Employee stock-based compensation 1.0 1.1 Other 1.3 0.6 Effective tax rate 38.7 % 37.4 % The effective tax rate for the six months ended June 30, 2015 and 2014 differs from the statutory federal income tax rate of 35% primarily due to state income taxes, net of federal tax benefit, general business credits and non-deductible employee stock based compensation. The increase in the effective tax rate for the six months ended June 30, 2015 as compared to the six months ended June 30, 2014 is primarily attributable to increased earnings in states that have higher statutory tax rates. We establish a valuation allowance when we consider it more-likely-than-not that some portion or all of the deferred tax assets will not be realized. As of June 30, 2015 and June 30, 2014 , we did not have a valuation allowance on any of our deferred tax assets as we believed it was more-likely-than-not that we would realize the benefits of our deferred tax assets. We are subject to examination by the Internal Revenue Service, or IRS, and various state tax authorities. Our consolidated federal income tax returns for the five-months ended December 31, 2009 and the years ended December 31, 2010 and 2011 are currently under examination by the IRS. We remain subject to examination of our federal income tax return for the years ended December 31, 2012 and 2013 . We generally remain subject to examination of our various state income tax returns for a period of four to five years from the respective dates the returns were filed. As of June 30, 2015 , we have net operating loss carryforwards of approximately $46.8 million and $40.3 million for federal and state tax purposes, respectively, which will be available to offset future income. If not used, these carryforwards will expire between 2025 and 2034. In addition, we have state business tax credits of approximately $4.1 million that will expire between 2028 and 2034 and other state business tax credits of approximately $1.4 million that will expire 2024. As of June 30, 2015 and 2014 , we had a liability of $7.0 million and $4.4 million , respectively, for unrecognized tax benefits related to various federal and state income tax matters excluding interest, penalties and related tax benefits. The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is as follows: Note 10—Income Taxes (continued) Six Months Ended June 30, 2015 2014 (In thousands) Beginning balance $ 6,190 $ 3,724 Increases related to positions taken during the current year 854 676 Ending balance $ 7,044 $ 4,400 The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate $ 7,044 $ 4,400 We recognized accrued interest and penalties related to unrecognized tax benefits as of both June 30, 2015 and 2014 , of approximately $0.3 million.

Earnings per Common Share

Earnings per Common Share	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Earnings per Common Share	Earnings per Common Share The calculation of basic and diluted EPS was as follows: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands, except per share data) Basic earnings per Class A common share Net income $ 3,496 $ 14,343 $ 44,309 $ 29,648 Income attributable to preferred stock (99 ) (1,703 ) (1,263 ) (3,966 ) Income attributable to common stock subject to repurchase (1 ) (138 ) (48 ) (324 ) Net income allocated to Class A common stockholders $ 3,396 $ 12,502 $ 42,998 $ 25,358 Weighted-average Class A shares issued and outstanding 51,811 39,394 51,631 38,433 Basic earnings per Class A common share $ 0.07 $ 0.32 $ 0.83 $ 0.66 Diluted earnings per Class A common share Net income allocated to Class A common stockholders $ 3,396 $ 12,502 $ 42,998 $ 25,358 Re-allocated earnings 1 26 12 96 Diluted net income allocated to Class A common stockholders 3,397 12,528 43,010 25,454 Weighted-average Class A shares issued and outstanding 51,811 39,394 51,631 38,433 Dilutive potential common shares: Stock options 272 515 276 831 Restricted stock units 185 138 189 195 Employee stock purchase plan 7 5 8 7 Diluted weighted-average Class A shares issued and outstanding 52,275 40,052 52,104 39,466 Diluted earnings per Class A common share $ 0.06 $ 0.31 $ 0.83 $ 0.64 For the periods presented, we excluded all shares of convertible preferred stock and certain restricted stock units and stock options outstanding, which could potentially dilute basic EPS in the future, from the computation of diluted EPS as their effect was anti-dilutive. The following table shows the weighted-average number of anti-dilutive shares excluded from the diluted EPS calculation: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands) Class A common stock Options to purchase Class A common stock 794 673 789 608 Restricted stock units 85 57 96 35 Conversion of convertible preferred stock 1,518 5,369 1,516 6,011 Total options, restricted stock units and convertible preferred stock 2,397 6,099 2,401 6,654

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements Under applicable accounting guidance, fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. We determine the fair values of our financial instruments based on the fair value hierarchy established under applicable accounting guidance which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. There are three levels of inputs used to measure fair value. For more information regarding the fair value hierarchy and how we measure fair value, see Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2014 . As of June 30, 2015 and December 31, 2014 , our assets and liabilities carried at fair value on a recurring basis were as follows: Level 1 Level 2 Level 3 Total Fair Value June 30, 2015 (In thousands) Assets Corporate bonds $ — $ 36,869 $ — $ 36,869 Commercial paper — 36,788 — 36,788 U.S. Treasury notes — 26,284 — 26,284 Mortgage-backed securities — 79,277 — 79,277 Municipal bonds — 2,188 — 2,188 Asset-backed securities — 17,773 — 17,773 Total assets $ — $ 199,179 $ — $ 199,179 Liabilities Contingent consideration $ — $ — $ 14,976 $ 14,976 December 31, 2014 Assets Corporate bonds $ — $ 40,389 $ — $ 40,389 Commercial paper — 7,649 — 7,649 U.S. Treasury notes — 14,771 — 14,771 Agency securities — 2,950 — 2,950 Mortgage-backed securities — 35,362 — 35,362 Municipal bonds — 5,595 — 5,595 Asset-backed securities — 13,715 — 13,715 Total assets $ — $ 120,431 $ — $ 120,431 Liabilities Contingent consideration $ — $ — $ 23,160 $ 23,160 The following table presents changes in our contingent consideration payable for the three and six months ended June 30, 2015 , which is categorized in Level 3 of the fair value hierarchy. Three Months Ended June 30, 2015 Six Months Ended June 30, 2015 (In thousands) Balance, beginning of period $ 15,375 $ 23,160 Payments of contingent consideration (499 ) (668 ) Change in fair value of contingent consideration 100 (7,516 ) Balance, end of period $ 14,976 $ 14,976 Note 12—Fair Value Measurements (continued) We based the fair value of our fixed income securities held as of June 30, 2015 and December 31, 2014 on quoted prices in active markets for similar assets. We had no transfers between Level 1, Level 2 or Level 3 assets during the three and six months ended June 30, 2015 or 2014 .

Fair Value of Financial Instrum

Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Fair Value of Financial Instruments The following describes the valuation technique for determining the fair value of financial instruments, whether or not such instruments are carried at fair value on our consolidated balance sheets. Short-term Financial Instruments Our short-term financial instruments consist principally of unrestricted and restricted cash and cash equivalents, federal funds sold, settlement assets and obligations, and obligations to customers . These financial instruments are short-term in nature, and, accordingly, we believe their carrying amounts approximate their fair values. Under the fair value hierarchy, these instruments are classified as Level 1. Investment Securities The fair values of investment securities have been derived using methodologies referenced in Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2014 . Under the fair value hierarchy, our investment securities are classified as Level 2. Loans We determined the fair values of loans by discounting both principal and interest cash flows expected to be collected using a discount rate commensurate with the risk that we believe a market participant would consider in determining fair value. Under the fair value hierarchy, our loans are classified as Level 3. Deposits The fair value of demand and interest checking deposits and savings deposits is the amount payable on demand at the reporting date. We determined the fair value of time deposits by discounting expected future cash flows using market-derived rates based on our market yields on certificates of deposit, by maturity, at the measurement date. Under the fair value hierarchy, our deposits are classified as Level 2. Contingent Consideration The fair value of contingent consideration obligations are estimated through valuation models designed to estimate the probability of such contingent payments based on various assumptions. Estimated payments are discounted using present value techniques to arrive at an estimated fair value. Our contingent consideration payable is classified as Level 3 because we use unobservable inputs to estimate fair value, including the probability of achieving certain earnings thresholds and appropriate discount rates. Changes in fair value of contingent consideration are recorded through operating expenses. Note Payable The fair value of our note payable is based on borrowing rates currently available to a market participant for loans with similar terms or maturity. The carrying amount of our note payable approximates fair value because the base interest rate charged varies with market conditions and the credit spread is commensurate with current market spreads for issuers of similar risk. The fair value of the note payable is classified as a Level 2 liability in the fair value hierarchy. Fair Value of Financial Instruments The carrying values and fair values of certain financial instruments that were not carried at fair value, excluding short-term financial instruments for which the carrying value approximates fair value, at June 30, 2015 and December 31, 2014 are presented in the table below. Note 13—Fair Value of Financial Instruments (continued) June 30, 2015 December 31, 2014 Carrying Value Fair Value Carrying Value Fair Value (In thousands) Financial Assets Loans to bank customers, net of allowance $ 6,451 $ 5,170 $ 6,550 $ 5,399 Financial Liabilities Deposits $ 608,081 $ 608,018 $ 565,401 $ 565,345 Note payable $ 138,750 $ 138,750 $ 150,000 $ 150,000

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies We monitor the laws of all 50 states to identify state laws or regulations that apply (or may apply) to our products and services. We have obtained money transmitter licenses (or similar such licenses) where applicable, based on advice of counsel or when we have been requested to do so. If we were found to be in violation of any laws and regulations governing banking, money transmitters, electronic fund transfers, or money laundering in the United States or abroad, we could be subject to penalties or could be forced to change our business practices. In the ordinary course of business, we are a party to various legal proceedings. We review these actions on an ongoing basis to determine whether it is probable that a loss has occurred and use that information when making accrual and disclosure decisions. We have not established reserves or possible ranges of losses related to these proceedings because, at this time in the proceedings, the matters do not relate to a probable loss and/or the amounts are not reasonably estimable. From time to time we enter into contracts containing provisions that contingently require us to indemnify various parties against claims from third parties. These contracts primarily relate to: (i) contracts with our card issuing banks, under which we are responsible to them for any unrecovered overdrafts on cardholders’ accounts; (ii) certain real estate leases, under which we may be required to indemnify property owners for environmental and other liabilities, and other claims arising from our use of the premises; (iii) certain agreements with our officers, directors, and employees, under which we may be required to indemnify these persons for liabilities arising out of their relationship with us; and (iv) contracts under which we may be required to indemnify our retail distributors, suppliers, vendors and other parties with whom we have contracts against claims arising from certain of our actions, omissions, violations of law and/or infringement of patents, trademarks, copyrights and/or other intellectual property rights. Generally, a maximum obligation under these contracts is not explicitly stated. Because the obligated amounts associated with these types of agreements are not explicitly stated, the overall maximum amount of the obligation cannot be reasonably estimated. With the exception of overdrafts on cardholders’ accounts, historically, we have not been required to make payments under these and similar contingent obligations, and no liabilities have been recorded for these obligations in our consolidated balance sheets. For additional information regarding overdrafts on cardholders’ accounts, refer to Note 4 — Accounts Receivable . As of June 30, 2015 and December 31, 2014 , we had $1.5 million outstanding in standby letters of credit related to our corporate facility lease.

Significant Customer Concentrat

Significant Customer Concentrations	6 Months Ended
	Jun. 30, 2015
Risks and Uncertainties [Abstract]
Significant Customer Concentrations	Significant Customer Concentration A credit concentration may exist if customers are involved in similar industries, economic sectors, and geographic regions. Our retail distributors operate in similar economic sectors but diverse domestic geographic regions. The loss of a significant retail distributor could have a material adverse effect upon our card sales, profitability, and revenue growth. Revenues derived from our products sold at retail distributors constituting greater than 10% of our total operating revenues were as follows: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Walmart 48% 54% 42% 58% Note 15—Significant Customer Concentration (continued) Excluding stock-based retailer incentive compensation of $0.6 million and $2.0 million for the three months ended June 30, 2015 and 2014 , respectively, and $2.5 million and $4.4 million for the six months ended June 30, 2015 and 2014 , respectively, revenues derived from our products sold at retail distributors constituting greater than 10% of our total operating revenues were as follows: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Walmart 48% 55% 43% 58% The concentration of GPR cards activated (in units) and the concentration of sales of cash transfer products (in units) derived from our products sold at our four largest retail distributors, including Walmart, was as follows: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Concentration of GPR cards activated (in units) 59% 71% 60% 72% Concentration of sales of cash transfer products (in units) 81% 80% 81% 81% Settlement assets derived from our products sold at our four largest retail distributors comprised the following percentages of the settlement assets recorded on our consolidated balance sheets: June 30, 2015 December 31, 2014 Walmart 63% 22% Three other largest retail distributors, as a group 13% 6%

Segment Information

Segment Information	6 Months Ended
	Jun. 30, 2015
Segment Reporting [Abstract]
Segment Information	Segment Information As of December 31, 2014, and prior, our operations were within one reportable segment. As a result of recent acquisitions occurring in late 2014 and early 2015, we have realigned our operations into two reportable segments: Account Services and Processing and Settlement Services. We identified our reportable segments based on factors such as how we manage our operations and how our chief operating decision maker views results. Our chief operating decision maker organizes and manages our business primarily on the basis of product and service offerings and uses operating income to assess profitability. The Account Services segment consists of revenues and expenses derived from our branded and private label deposit account programs. These programs include our Green Dot-branded and affinity-branded GPR card accounts, private label GPR card accounts, checking accounts and open-loop gift cards. The Processing and Settlement Services segment consists of revenues and expenses derived from reload services through the Green Dot Network and our tax refund processing services. The Corporate and Other segment primarily consists of unallocated corporate expenses, depreciation and amortization, intercompany eliminations and other costs that are not considered when management evaluates segment performance. We do not evaluate performance or allocate resources based on segment asset data, and therefore such information is not presented. The following table presents certain financial information for each of our reportable segments for the three and six months ended June 30, 2015 . We have determined that it is impracticable to restate segment information for the three and six months ended June 30, 2014 , as well as to provide disclosures under both the old basis and new basis of reporting for certain items. Therefore, no such disclosures are presented. Three Months Ended June 30, 2015 Account Services Processing and Settlement Services Corporate and Other Total (In thousands) Operating revenues $ 134,772 $ 42,631 $ (7,156 ) $ 170,247 Operating expenses 112,827 30,363 20,139 163,329 Operating income $ 21,945 $ 12,268 $ (27,295 ) $ 6,918 Note 16—Segment Information (continued) Six Months Ended June 30, 2015 Account Services Processing and Settlement Services Corporate and Other Total (In thousands) Operating revenues $ 282,631 $ 132,807 $ (18,026 ) $ 397,412 Operating expenses 230,980 67,220 26,398 324,598 Operating income $ 51,651 $ 65,587 $ (44,424 ) $ 72,814

Summary of Significant Accoun23

Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated financial statements are prepared in accordance with generally accepted accounting principles in the United States of America, or GAAP. We consolidated our wholly-owned subsidiaries and eliminated all significant intercompany balances and transactions. We have also prepared the accompanying unaudited consolidated financial statements in conformity with the instructions to Form 10-Q and Article 10 of Regulation S-X and, consequently, they do not include all of the annual disclosures required by GAAP. Reference is made to our Annual Report on Form 10-K for the year ended December 31, 2014 for additional disclosures, including a summary of our significant accounting policies. There have been no changes to our significant accounting policies during the six months ended June 30, 2015 . In our opinion, the accompanying unaudited consolidated financial statements contain all adjustments, consisting of normal and recurring items, except as otherwise noted, necessary for the fair presentation of our financial position, results of operations and cash flows for the interim periods presented.
New Accounting Pronouncements	Recent Accounting Pronouncements In April 2015, the FASB issued ASU No. 2015-05, Customer's Accounting for Fees Paid in a Cloud Computing Arrangement ("ASU 2015-05") . This ASU provides guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The new guidance does not change the accounting for service contracts. Note 2—Summary of Significant Accounting Policies (continued) ASU 2015-05 is effective for interim and annual reporting periods beginning after December 15, 2015. We are currently evaluating the provisions of the ASU to determine the potential impact the new standard will have on our consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, Simplifying the Presentation of Debt Issuance Costs ("ASU 2015-03") which changes the presentation of debt issuance costs in financial statements. ASU 2015-03 requires an entity to present such costs in the balance sheet as a direct deduction from the related debt liability rather than as an asset. Amortization of the costs will continue to be reported as interest expense. The ASU is effective for annual reporting periods beginning after December 15, 2015, with early adoption permitted. The new guidance will be applied retrospectively to each prior period presented. We are currently in the process of evaluating the impact of adoption of the ASU on our consolidated balance sheets. In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers ("ASU 2014-09"), which supersedes nearly all existing revenue recognition guidance under GAAP. The core principle of ASU 2014-09 is to recognize revenues when promised goods or services are transferred to customers in an amount that reflects the consideration to which an entity expects to be entitled for those goods or services. ASU 2014-09 defines a five step process to achieve this core principle and, in doing so, more judgment and estimates may be required within the revenue recognition process than are required under existing GAAP. In July 2015, the FASB voted to defer the effective date of ASU 2014-09 by one year, making the standard effective for annual periods beginning after December 15, 2017, and interim periods therein, using either of the following transition methods: (i) a full retrospective approach reflecting the application of the standard in each prior reporting period with the option to elect certain practical expedients, or (ii) a retrospective approach with the cumulative effect of initially adopting ASU 2014-09 recognized at the date of adoption (which includes additional footnote disclosures). Early adoption is permitted for periods beginning after December 15, 2016. We are currently evaluating the impact of our pending adoption of ASU 2014-09 on our consolidated financial statements.

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Investment securities, available-for-sale	As of June 30, 2015 and December 31, 2014 , the gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows: Less than 12 months 12 months or more Total fair value Total unrealized loss Fair value Unrealized loss Fair value Unrealized loss (In thousands) June 30, 2015 Corporate bonds $ 29,312 $ (34 ) $ — $ — $ 29,312 $ (34 ) Commercial paper 8,926 (3 ) — — 8,926 (3 ) US Treasury notes 8,191 (1 ) — — 8,191 (1 ) Mortgage-backed securities 64,444 (477 ) — — 64,444 (477 ) Municipal bonds 393 (7 ) — — 393 (7 ) Asset-backed securities 9,631 (4 ) — — 9,631 (4 ) Total investment securities $ 120,897 $ (526 ) $ — $ — $ 120,897 $ (526 ) December 31, 2014 Corporate bonds $ 33,348 $ (48 ) $ — $ — $ 33,348 $ (48 ) U.S. Treasury notes 6,068 (16 ) — — 6,068 (16 ) Mortgage-backed securities 21,495 (163 ) 1,143 (14 ) 22,638 (177 ) Municipal bonds — — 419 (21 ) 419 (21 ) Asset-backed securities 12,254 (12 ) — — 12,254 (12 ) Total investment securities $ 73,165 $ (239 ) $ 1,562 $ (35 ) $ 74,727 $ (274 ) Our available-for-sale investment securities were as follows: Amortized cost Gross unrealized gains Gross unrealized losses Fair value (In thousands) June 30, 2015 Corporate bonds $ 36,901 $ 2 $ (34 ) $ 36,869 Commercial paper 36,787 4 (3 ) 36,788 U.S. Treasury notes 26,274 11 (1 ) 26,284 Mortgage-backed securities 79,711 43 (477 ) 79,277 Municipal bonds 2,129 66 (7 ) 2,188 Asset-backed securities 17,772 5 (4 ) 17,773 Total investment securities $ 199,574 $ 131 $ (526 ) $ 199,179 December 31, 2014 Corporate bonds $ 40,433 $ 4 $ (48 ) $ 40,389 Commercial paper 7,648 1 — 7,649 U.S. Treasury notes 14,782 5 (16 ) 14,771 Agency securities 2,950 — — 2,950 Mortgage-backed securities 35,420 119 (177 ) 35,362 Municipal bonds 5,555 61 (21 ) 5,595 Asset-backed securities 13,727 — (12 ) 13,715 Total investment securities $ 120,515 $ 190 $ (274 ) $ 120,431
Investments classified by contractual maturity date	As of June 30, 2015 , the contractual maturities of our available-for-sale investment securities were as follows: Amortized cost Fair value (In thousands) Due in one year or less $ 76,751 $ 76,746 Due after one year through five years 23,760 23,753 Due after five years through ten years 330 336 Due after ten years 1,250 1,294 Mortgage and asset-backed securities 97,483 97,050 Total investment securities $ 199,574 $ 199,179

Accounts Receivable (Tables)

Accounts Receivable (Tables)	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Accounts Receivable	Accounts receivable, net consisted of the following: June 30, 2015 December 31, 2014 (In thousands) Overdrawn account balances due from cardholders $ 14,029 $ 14,412 Reserve for uncollectible overdrawn accounts (12,039 ) (11,196 ) Net overdrawn account balances due from cardholders 1,990 3,216 Trade receivables 5,828 8,265 Reserve for uncollectible trade receivables (62 ) (16 ) Net trade receivables 5,766 8,249 Receivables due from card issuing banks 9,420 28,349 Fee advances 496 6,545 Other receivables 5,521 2,558 Accounts receivable, net $ 23,193 $ 48,917 Activity in the reserve for uncollectible overdrawn accounts consisted of the following: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands) Balance, beginning of period $ 12,580 $ 9,165 $ 11,196 $ 10,363 Provision for uncollectible overdrawn accounts: Fees 13,737 6,663 27,381 14,403 Purchase transactions 2,637 906 4,185 1,656 Charge-offs (16,915 ) (8,179 ) (30,723 ) (17,867 ) Balance, end of period $ 12,039 $ 8,555 $ 12,039 $ 8,555

Loans to Bank Customers (Tables

Loans to Bank Customers (Tables)	6 Months Ended
	Jun. 30, 2015
Loans and Leases Receivable Disclosure [Abstract]
Past due financing receivables	The following table presents total outstanding loans, gross of the related allowance for loan losses, and a summary of the related payment status: 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Total Current or Less Than 30 Days Past Due Total Outstanding (In thousands) June 30, 2015 Residential $ 1 $ — $ — $ 1 $ 3,758 $ 3,759 Commercial — — 28 28 280 308 Installment 2 11 4 17 2,744 2,761 Total loans $ 3 $ 11 $ 32 $ 46 $ 6,782 $ 6,828 Percentage of outstanding — % 0.2 % 0.5 % 0.7 % 99.3 % 100.0 % December 31, 2014 Residential $ — $ — $ — $ — $ 3,861 $ 3,861 Commercial — — — — 697 697 Installment 1 3 4 8 2,428 2,436 Total loans $ 1 $ 3 $ 4 $ 8 $ 6,986 $ 6,994 Percentage of outstanding — % — % 0.1 % 0.1 % 99.9 % 100.0 %
Nonperforming loans	The following table presents the carrying value, gross of the related allowance for loan losses, of our nonperforming loans. See Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2014 for further information on the criteria for classification as nonperforming. June 30, 2015 December 31, 2014 (In thousands) Residential $ 291 $ 54 Commercial 10 31 Installment 168 104 Total loans $ 469 $ 189
Financing receivable credit quality indicators	The table below presents the carrying value, gross of the related allowance for loan losses, of our loans within the primary credit quality indicators related to our loan portfolio: June 30, 2015 December 31, 2014 Non-Classified Classified Non-Classified Classified (In thousands) Residential $ 3,268 $ 491 $ 3,604 $ 257 Commercial 288 20 635 62 Installment 2,612 149 2,306 130 Total loans $ 6,168 $ 660 $ 6,545 $ 449
Troubled debt restructurings	The following table presents our impaired loans and loans that we modified as TDRs as of June 30, 2015 and December 31, 2014 : June 30, 2015 December 31, 2014 Unpaid Principal Balance Carrying Value Unpaid Principal Balance Carrying Value (In thousands) Residential $ 382 $ 291 $ 97 $ 54 Commercial 255 10 270 31 Installment 375 168 367 104
Allowance for loan losses	Activity in the allowance for loan losses consisted of the following: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands) Balance, beginning of period $ 340 $ 435 $ 444 $ 464 Provision for loans 39 — (34 ) — Loans charged off (9 ) (27 ) (44 ) (60 ) Recoveries of loans previously charged off 7 6 11 10 Balance, end of period $ 377 $ 414 $ 377 $ 414

Employee Stock-Based Compensa27

Employee Stock-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock Options and Restricted Stock Units activity	The following table summarizes restricted stock units granted under our 2010 Equity Incentive Plan: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands, except per share data) Restricted stock units granted 1,070 352 1,650 452 Weighted-average grant-date fair value $ 15.07 $ 18.68 $ 16.10 $ 19.09

Deposits (Tables)

Deposits (Tables)	6 Months Ended
	Jun. 30, 2015
Deposits [Abstract]
Summary of Deposits	Deposits are categorized as non-interest or interest-bearing deposits as follows: June 30, 2015 December 31, 2014 (In thousands) Non-interest bearing deposit accounts GPR deposits $ 559,977 $ 529,779 Other demand deposits 31,920 19,631 Total non-interest bearing deposit accounts 591,897 549,410 Interest-bearing deposit accounts Negotiable order of withdrawal (NOW) 1,018 905 Savings 7,791 7,985 Time deposits, denominations greater than or equal to $100 5,465 5,263 Time deposits, denominations less than $100 1,910 1,838 Total interest-bearing deposit accounts 16,184 15,991 Total deposits $ 608,081 $ 565,401
Contractual Maturities For Total Time Deposits	The scheduled contractual maturities for total time deposits are presented in the table below: June 30, 2015 (In thousands) Due in 2015 $ 1,843 Due in 2016 2,731 Due in 2017 2,271 Due in 2018 58 Due in 2019 336 Thereafter 136 Total time deposits $ 7,375

Note Payable (Tables)

Note Payable (Tables)	6 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
Schedule of Debt	As of June 30, 2015 and December 31, 2014 , the Company's debt consisted of the following: June 30, 2015 December 31, 2014 (In thousands) Term facility $ 138,750 $ 150,000 Revolving facility — — Total notes payable $ 138,750 $ 150,000

Income Taxes (Tables)

Income Taxes (Tables)	6 Months Ended
	Jun. 30, 2015
Income Tax Disclosure [Abstract]
Reconciliation of federal tax rate and actual income tax expense	The sources and tax effects of the differences are as follows: Six Months Ended June 30, 2015 2014 U.S. federal statutory tax rate 35.0 % 35.0 % State income taxes, net of federal tax benefit 2.5 1.8 General business credits (1.1 ) (1.1 ) Employee stock-based compensation 1.0 1.1 Other 1.3 0.6 Effective tax rate 38.7 % 37.4 % The effective tax rate for the
Summary of income tax contingencies	The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is as follows: Note 10—Income Taxes (continued) Six Months Ended June 30, 2015 2014 (In thousands) Beginning balance $ 6,190 $ 3,724 Increases related to positions taken during the current year 854 676 Ending balance $ 7,044 $ 4,400 The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate $ 7,044 $ 4,400

Earnings per Common Share (Tabl

Earnings per Common Share (Tables)	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Common Share	The calculation of basic and diluted EPS was as follows: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands, except per share data) Basic earnings per Class A common share Net income $ 3,496 $ 14,343 $ 44,309 $ 29,648 Income attributable to preferred stock (99 ) (1,703 ) (1,263 ) (3,966 ) Income attributable to common stock subject to repurchase (1 ) (138 ) (48 ) (324 ) Net income allocated to Class A common stockholders $ 3,396 $ 12,502 $ 42,998 $ 25,358 Weighted-average Class A shares issued and outstanding 51,811 39,394 51,631 38,433 Basic earnings per Class A common share $ 0.07 $ 0.32 $ 0.83 $ 0.66 Diluted earnings per Class A common share Net income allocated to Class A common stockholders $ 3,396 $ 12,502 $ 42,998 $ 25,358 Re-allocated earnings 1 26 12 96 Diluted net income allocated to Class A common stockholders 3,397 12,528 43,010 25,454 Weighted-average Class A shares issued and outstanding 51,811 39,394 51,631 38,433 Dilutive potential common shares: Stock options 272 515 276 831 Restricted stock units 185 138 189 195 Employee stock purchase plan 7 5 8 7 Diluted weighted-average Class A shares issued and outstanding 52,275 40,052 52,104 39,466 Diluted earnings per Class A common share $ 0.06 $ 0.31 $ 0.83 $ 0.64
Antidilutive Shares	The following table shows the weighted-average number of anti-dilutive shares excluded from the diluted EPS calculation: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (In thousands) Class A common stock Options to purchase Class A common stock 794 673 789 608 Restricted stock units 85 57 96 35 Conversion of convertible preferred stock 1,518 5,369 1,516 6,011 Total options, restricted stock units and convertible preferred stock 2,397 6,099 2,401 6,654

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Assets and Liabilities Carried at Fair Value on a Recurring Basis	Level 1 Level 2 Level 3 Total Fair Value June 30, 2015 (In thousands) Assets Corporate bonds $ — $ 36,869 $ — $ 36,869 Commercial paper — 36,788 — 36,788 U.S. Treasury notes — 26,284 — 26,284 Mortgage-backed securities — 79,277 — 79,277 Municipal bonds — 2,188 — 2,188 Asset-backed securities — 17,773 — 17,773 Total assets $ — $ 199,179 $ — $ 199,179 Liabilities Contingent consideration $ — $ — $ 14,976 $ 14,976 December 31, 2014 Assets Corporate bonds $ — $ 40,389 $ — $ 40,389 Commercial paper — 7,649 — 7,649 U.S. Treasury notes — 14,771 — 14,771 Agency securities — 2,950 — 2,950 Mortgage-backed securities — 35,362 — 35,362 Municipal bonds — 5,595 — 5,595 Asset-backed securities — 13,715 — 13,715 Total assets $ — $ 120,431 $ — $ 120,431 Liabilities Contingent consideration $ — $ — $ 23,160 $ 23,160
Change in Contingent Consideration Payable	The following table presents changes in our contingent consideration payable for the three and six months ended June 30, 2015 , which is categorized in Level 3 of the fair value hierarchy. Three Months Ended June 30, 2015 Six Months Ended June 30, 2015 (In thousands) Balance, beginning of period $ 15,375 $ 23,160 Payments of contingent consideration (499 ) (668 ) Change in fair value of contingent consideration 100 (7,516 ) Balance, end of period $ 14,976 $ 14,976

Fair Value of Financial Instr33

Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair value of assets not carried at fair value	The carrying values and fair values of certain financial instruments that were not carried at fair value, excluding short-term financial instruments for which the carrying value approximates fair value, at June 30, 2015 and December 31, 2014 are presented in the table below. Note 13—Fair Value of Financial Instruments (continued) June 30, 2015 December 31, 2014 Carrying Value Fair Value Carrying Value Fair Value (In thousands) Financial Assets Loans to bank customers, net of allowance $ 6,451 $ 5,170 $ 6,550 $ 5,399 Financial Liabilities Deposits $ 608,081 $ 608,018 $ 565,401 $ 565,345 Note payable $ 138,750 $ 138,750 $ 150,000 $ 150,000

Significant Customer Concentr34

Significant Customer Concentrations (Tables)	6 Months Ended
	Jun. 30, 2015
Risks and Uncertainties [Abstract]
Customer concentrations	Revenues derived from our products sold at retail distributors constituting greater than 10% of our total operating revenues were as follows: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Walmart 48% 54% 42% 58% Note 15—Significant Customer Concentration (continued) Excluding stock-based retailer incentive compensation of $0.6 million and $2.0 million for the three months ended June 30, 2015 and 2014 , respectively, and $2.5 million and $4.4 million for the six months ended June 30, 2015 and 2014 , respectively, revenues derived from our products sold at retail distributors constituting greater than 10% of our total operating revenues were as follows: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Walmart 48% 55% 43% 58% The concentration of GPR cards activated (in units) and the concentration of sales of cash transfer products (in units) derived from our products sold at our four largest retail distributors, including Walmart, was as follows: Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 Concentration of GPR cards activated (in units) 59% 71% 60% 72% Concentration of sales of cash transfer products (in units) 81% 80% 81% 81% Settlement assets derived from our products sold at our four largest retail distributors comprised the following percentages of the settlement assets recorded on our consolidated balance sheets: June 30, 2015 December 31, 2014 Walmart 63% 22% Three other largest retail distributors, as a group 13% 6%

Segment Information (Tables)

Segment Information (Tables)	6 Months Ended
	Jun. 30, 2015
Segment Reporting [Abstract]
Schedule of Segment Reporting	The following table presents certain financial information for each of our reportable segments for the three and six months ended June 30, 2015 . We have determined that it is impracticable to restate segment information for the three and six months ended June 30, 2014 , as well as to provide disclosures under both the old basis and new basis of reporting for certain items. Therefore, no such disclosures are presented. Three Months Ended June 30, 2015 Account Services Processing and Settlement Services Corporate and Other Total (In thousands) Operating revenues $ 134,772 $ 42,631 $ (7,156 ) $ 170,247 Operating expenses 112,827 30,363 20,139 163,329 Operating income $ 21,945 $ 12,268 $ (27,295 ) $ 6,918 Note 16—Segment Information (continued) Six Months Ended June 30, 2015 Account Services Processing and Settlement Services Corporate and Other Total (In thousands) Operating revenues $ 282,631 $ 132,807 $ (18,026 ) $ 397,412 Operating expenses 230,980 67,220 26,398 324,598 Operating income $ 51,651 $ 65,587 $ (44,424 ) $ 72,814

Organization (Details)

Organization (Details) shares in Thousands, customer in Thousands, $ in Millions	1 Months Ended	6 Months Ended
	Jan. 31, 2015USD ($)shares	Jun. 30, 2015customerstore
Business Acquisition [Line Items]
Number of Stores | store		100,000
Number of customers served | customer		25
Privately-Held GPR Prepaid Company [Member]
Business Acquisition [Line Items]
Goodwill	$ 61.6
Acquired intangible assets	$ 16.1
Common Class A [Member] | Privately-Held GPR Prepaid Company [Member]
Business Acquisition [Line Items]
Business acquisition shares issued (in shares) | shares	514

Investment Securities - Gross G

Investment Securities - Gross Gains and Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	$ 199,574	$ 120,515
Gross unrealized gains	131	190
Gross unrealized losses	(526)	(274)
Fair value	199,179	120,431
Corporate Bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	36,901	40,433
Gross unrealized gains	2	4
Gross unrealized losses	(34)	(48)
Fair value	36,869	40,389
Commercial Paper
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	36,787	7,648
Gross unrealized gains	4	1
Gross unrealized losses	(3)	0
Fair value	36,788	7,649
US Treasury Notes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	26,274	14,782
Gross unrealized gains	11	5
Gross unrealized losses	(1)	(16)
Fair value	26,284	14,771
Agencies Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis		2,950
Gross unrealized gains		0
Gross unrealized losses		0
Fair value		2,950
Mortgage-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	79,711	35,420
Gross unrealized gains	43	119
Gross unrealized losses	(477)	(177)
Fair value	79,277	35,362
Municipal Bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	2,129	5,555
Gross unrealized gains	66	61
Gross unrealized losses	(7)	(21)
Fair value	2,188	5,595
Asset-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	17,772	13,727
Gross unrealized gains	5	0
Gross unrealized losses	(4)	(12)
Fair value	$ 17,773	$ 13,715

Investment Securities - Continu

Investment Securities - Continuous Unrealized Loss (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	$ 120,897		$ 120,897		$ 73,165
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(526)		(526)		(239)
Fair value, 12 months or more	0		0		1,562
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		(35)
Total fair value	120,897		120,897		74,727
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(526)		(526)		(274)
Other than temporary impairment losses	0	$ 0	0	$ 0
Corporate Bonds
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	29,312		29,312		33,348
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(34)		(34)		(48)
Fair value, 12 months or more	0		0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		0
Total fair value	29,312		29,312		33,348
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(34)		(34)		(48)
Commercial Paper
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	8,926		8,926
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(3)		(3)
Fair value, 12 months or more	0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0
Total fair value	8,926		8,926
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(3)		(3)
US Treasury Notes
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	8,191		8,191		6,068
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(1)		(1)		(16)
Fair value, 12 months or more					0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments					0
Total fair value	8,191		8,191		6,068
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(1)		(1)		(16)
Mortgage-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	64,444		64,444		21,495
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(477)		(477)		(163)
Fair value, 12 months or more	0		0		1,143
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		(14)
Total fair value	64,444		64,444		22,638
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(477)		(477)		(177)
Municipal Bonds
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	393		393		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(7)		(7)		0
Fair value, 12 months or more	0		0		419
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		(21)
Total fair value	393		393		419
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(7)		(7)		(21)
Asset-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	9,631		9,631		12,254
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(4)		(4)		(12)
Fair value, 12 months or more	0		0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		0
Total fair value	9,631		9,631		12,254
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	$ (4)		$ (4)		$ (12)

Investment Securities - Maturit

Investment Securities - Maturities (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amortized cost
Due in one year or less	$ 76,751
Due after one year through five years	23,760
Due after five years through ten years	330
Due after ten years	1,250
Mortgage and asset-backed securities	97,483
Total investment securities	199,574
Fair value
Due in one year or less	76,746
Due after one year through five years	23,753
Due after five years through ten years	336
Due after ten years	1,294
Mortgage and asset-backed securities	97,050
Fair value	$ 199,179	$ 120,431

Accounts Receivable - Accounts

Accounts Receivable - Accounts receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable current and noncurrent, net	$ 23,193		$ 48,917
Receivables due from card issuing banks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	9,420		28,349
Overdrawn Account Balances due from Cardholders [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	14,029		14,412
Reserve for uncollectible overdrawn accounts	(12,039)	$ (12,580)	(11,196)	$ (8,555)	$ (9,165)	$ (10,363)
Accounts receivable current and noncurrent, net	1,990		3,216
Trade receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	5,828		8,265
Reserve for uncollectible overdrawn accounts	(62)		(16)
Accounts receivable current and noncurrent, net	5,766		8,249
Fee advances [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	496		6,545
Other receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	$ 5,521		$ 2,558

Accounts Receivable - Reserve f

Accounts Receivable - Reserve for uncollectible overdrawn accounts activity (Details) - Reserve for uncollectible overdrawn accounts [Member] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Uncollectible Overdrawn Accounts [Roll Forward]
Balance, beginning of period	$ 12,580	$ 9,165	$ 11,196	$ 10,363
Fees	13,737	6,663	27,381	14,403
Purchase transactions	2,637	906	4,185	1,656
Charge-offs	(16,915)	(8,179)	(30,723)	(17,867)
Balance, end of period	$ 12,039	$ 8,555	$ 12,039	$ 8,555

Property and Equipment (Details

Property and Equipment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Property, Plant and Equipment [Abstract]
Impairment of capitalized software	$ 4,997	$ 0	$ 4,997	$ 0

Loans to Bank Customers - Loan

Loans to Bank Customers - Loan Summary (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	$ 3	$ 1
60-89 days past due	11	3
90 days or more past due	32	4
Past due 30 days or more	46	8
Total Current or Less Than 30 Days Past Due	6,782	6,986
Total Outstanding Loans to Bank Customers	$ 6,828	$ 6,994
Percentage outstanding, 30-59 days past due	0.00%	0.00%
Percentage outstanding, 60-89 days past due	0.20%	0.00%
Percentage outstanding, 90 days or more past due	0.50%	0.10%
Loans, Percentage Outstanding, Total Past Due 30 Days or More	0.70%	0.10%
Percentage outstanding, current or less than 30 days past due	99.30%	99.90%
Percentage outstanding	100.00%	100.00%
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	$ 1	$ 0
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	1	0
Total Current or Less Than 30 Days Past Due	3,758	3,861
Total Outstanding Loans to Bank Customers	3,759	3,861
Commercial Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	0	0
60-89 days past due	0	0
90 days or more past due	28	0
Past due 30 days or more	28	0
Total Current or Less Than 30 Days Past Due	280	697
Total Outstanding Loans to Bank Customers	308	697
Installment Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	2	1
60-89 days past due	11	3
90 days or more past due	4	4
Past due 30 days or more	17	8
Total Current or Less Than 30 Days Past Due	2,744	2,428
Total Outstanding Loans to Bank Customers	$ 2,761	$ 2,436

Loans to Bank Customers - Nonpe

Loans to Bank Customers - Nonperforming Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Nonperforming Loans [Line Items]
Nonperforming loans	$ 469	$ 189
Residential
Nonperforming Loans [Line Items]
Nonperforming loans	291	54
Commercial Loans
Nonperforming Loans [Line Items]
Nonperforming loans	10	31
Installment Loans
Nonperforming Loans [Line Items]
Nonperforming loans	$ 168	$ 104

Loans to Bank Customers - Credi

Loans to Bank Customers - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	$ 6,451	$ 6,550
Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	6,168	6,545
Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	660	449
Residential | Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	3,268	3,604
Residential | Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	491	257
Commercial Loans | Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	288	635
Commercial Loans | Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	20	62
Installment Loans | Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	2,612	2,306
Installment Loans | Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	$ 149	$ 130

Loans to Bank Customers - Troub

Loans to Bank Customers - Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Residential
Loan Modifications [Line Items]
Unpaid principal balance	$ 382	$ 97
Carrying value	291	54
Commercial Loans
Loan Modifications [Line Items]
Unpaid principal balance	255	270
Carrying value	10	31
Installment Loans
Loan Modifications [Line Items]
Unpaid principal balance	375	367
Carrying value	$ 168	$ 104

Loans to Bank Customers - Allow

Loans to Bank Customers - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, beginning of period	$ 340	$ 435	$ 444	$ 464
Provision for loans	39	0	(34)	0
Loans charged off	(9)	(27)	(44)	(60)
Recoveries of loans previously charged off	7	6	11	10
Allowance for loan losses, end of period	$ 377	$ 414	$ 377	$ 414

Employee Stock-Based Compensa48

Employee Stock-Based Compensation - Share-based Compensation Equity Granted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employee stock-based compensation	$ 6,410	$ 4,714	$ 11,623	$ 8,686
2010 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted in period (shares)	0	54,000	0	106,000
2010 Equity Incentive Plan [Member] | Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock units granted (shares)	1,070,000	352,000	1,650,000	452,000
Weighted-average grant-date fair value (in dollars per share)	$ 15.07	$ 18.68	$ 16.10	$ 19.09
2010 Equity Incentive Plan [Member] | Performance-Based Restricted Stock Units [Member] | Certain Executives [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock units granted (shares)			242,587

Deposits - Summary of Deposits

Deposits - Summary of Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Deposits [Abstract]
GPR deposits	$ 559,977	$ 529,779
Other demand deposits	31,920	19,631
Total non-interest bearing deposit accounts	591,897	549,410
Negotiable order of withdrawal (NOW)	1,018	905
Savings	7,791	7,985
Time deposits, denominations greater than or equal to $100	5,465	5,263
Time deposits, denominations less than $100	1,910	1,838
Total interest-bearing deposit accounts	16,184	15,991
Total deposits	$ 608,081	$ 565,401

Deposits - Contractual Maturiti

Deposits - Contractual Maturities (Details) $ in Thousands	Jun. 30, 2015USD ($)
Time Deposits, Fiscal Year Maturity [Abstract]
Due in 2015	$ 1,843
Due in 2016	2,731
Due in 2017	2,271
Due in 2018	58
Due in 2019	336
Thereafter	136
Total time deposits	$ 7,375

Note Payable - Narrative (Detai

Note Payable - Narrative (Details) - USD ($)	1 Months Ended	3 Months Ended	6 Months Ended
	Oct. 31, 2014	Jun. 30, 2015	Jun. 30, 2015	Jun. 30, 2014
Debt Instrument [Line Items]
Repayments of Notes Payable			$ 11,250,000	$ 0
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Line of Credit [Member]
Debt Instrument [Line Items]
Maximum borrowing capacity	$ 225,000,000
Potential maximum borrowing capacity increase	$ 50,000,000
Effective interest rate (percent)		2.94%	2.94%
Interest expense		$ 1,100,000	$ 2,200,000
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Line of Credit [Member] | Base Rate, Condition One [Member]
Debt Instrument [Line Items]
Spread on interest rate (percent)	0.50%
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Line of Credit [Member] | Base Rate, Condition Two [Member]
Debt Instrument [Line Items]
Spread on interest rate (percent)	1.00%
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Minimum [Member] | Line of Credit [Member] | LIBOR [Member]
Debt Instrument [Line Items]
Basis spread on variable rate (percent)	2.50%
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Minimum [Member] | Line of Credit [Member] | Base Rate [Member]
Debt Instrument [Line Items]
Basis spread on variable rate (percent)	1.50%
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Maximum [Member] | Line of Credit [Member] | LIBOR [Member]
Debt Instrument [Line Items]
Basis spread on variable rate (percent)	3.00%
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Maximum [Member] | Line of Credit [Member] | Base Rate [Member]
Debt Instrument [Line Items]
Basis spread on variable rate (percent)	2.00%
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Revolving Facility [Member] | Line of Credit [Member]
Debt Instrument [Line Items]
Maximum borrowing capacity	$ 75,000,000
Debt term	5 years
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Term Facility [Member] | Line of Credit [Member]
Debt Instrument [Line Items]
Maximum borrowing capacity	$ 150,000,000
Debt term	5 years
Line of Credit Facility, Periodic Payment, Principal		$ 5,600,000
Repayments of Notes Payable			$ 11,200,000

Note Payable - Schedule of Debt

Note Payable - Schedule of Debt (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Total notes payable	$ 138,750	$ 150,000
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Line of Credit [Member]
Debt Instrument [Line Items]
Total notes payable	138,750	150,000
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Line of Credit [Member] | Term Facility [Member]
Debt Instrument [Line Items]
Total notes payable	138,750	150,000
Bank Of America, N.A., Wells Fargo Bank, National Association, And Other Lenders [Member] | Line of Credit [Member] | Revolving Facility [Member]
Debt Instrument [Line Items]
Total notes payable	$ 0	$ 0

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Operating Loss Carryforwards [Line Items]
U.S. federal statutory tax rate (percent)	35.00%	35.00%
Unrecognized tax benefits, income tax penalties and interest accrued	$ 300
The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	7,044	$ 4,400
Federal [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	46,800
State Tax [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	40,300
State Tax [Member] | Between Tax Year 2028 and 2034 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	4,100
State Tax [Member] | Tax Year 2024 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 1,400

Income Taxes - Effective Tax Ra

Income Taxes - Effective Tax Rate Reconciliation (Details)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Effective Income Tax Rate Reconciliation, Percent [Abstract]
U.S. federal statutory tax rate	35.00%	35.00%
State income taxes, net of federal tax benefit	2.50%	1.80%
General business credits	(1.10%)	(1.10%)
Employee stock-based compensation	1.00%	1.10%
Other	1.30%	0.60%
Effective tax rate	38.70%	37.40%

Income Taxes - Rollforward of U

Income Taxes - Rollforward of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Reconciliation of Unrecognized Tax Benefits [Roll Forward]
Beginning balance	$ 6,190	$ 3,724
Increases related to positions taken during the current year	854	676
Ending balance	7,044	4,400
The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$ 7,044	$ 4,400

Earnings per Common Share - Bas

Earnings per Common Share - Basic Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net income	$ 3,496	$ 14,343	$ 44,309	$ 29,648
Income attributable to preferred stock	(99)	(1,703)	(1,263)	(3,966)
Income attributable to common stock subject to repurchase	(1)	(138)	(48)	(324)
Net income allocated to Class A common stockholders	$ 3,396	$ 12,502	$ 42,998	$ 25,358
Weighted-average Class A shares issued and outstanding	51,811	39,394	51,631	38,433
Basic earnings per Class A common share, in usd per share	$ 0.07	$ 0.32	$ 0.83	$ 0.66
Re-allocated earnings	$ 1	$ 26	$ 12	$ 96
Diluted net income allocated to Class A common stockholders	$ 3,397	$ 12,528	$ 43,010	$ 25,454
Diluted weighted-average Class A shares issued and outstanding	52,275	40,052	52,104	39,466
Diluted earnings per Class A common share, in usd per share	$ 0.06	$ 0.31	$ 0.83	$ 0.64
Stock Options [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	272	515	276	831
Restricted Stock Units (RSUs) [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	185	138	189	195
Employee Stock Purchase Plan [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	7	5	8	7
Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Weighted-average Class A shares issued and outstanding	51,811	39,394	51,631	38,433
Basic earnings per Class A common share, in usd per share	$ 0.07	$ 0.32	$ 0.83	$ 0.66
Diluted weighted-average Class A shares issued and outstanding	52,275	40,052	52,104	39,466
Diluted earnings per Class A common share, in usd per share	$ 0.06	$ 0.31	$ 0.83	$ 0.64

Earnings per Common Share - Ant

Earnings per Common Share - Antidilutive Shares (Details) - Common Class A [Member] - shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Antidilutive Shares [Line Items]
Antidilutive shares	2,397	6,099	2,401	6,654
Stock Options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	794	673	789	608
Restricted Stock Units (RSUs) [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	85	57	96	35
Convertible preferred stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	1,518	5,369	1,516	6,011

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Hierarchy (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 199,179	$ 120,431
Corporate Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	36,869	40,389
Commercial Paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	36,788	7,649
US Treasury Notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	26,284	14,771
Agencies Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value		2,950
Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	2,188	5,595
Asset-backed Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	17,773	13,715
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	199,179	120,431
Contingent consideration, fair value	14,976	23,160
Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	199,179	120,431
Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Contingent consideration, fair value	14,976	23,160
Recurring | Corporate Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	36,869	40,389
Recurring | Corporate Bonds | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Corporate Bonds | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	36,869	40,389
Recurring | Corporate Bonds | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Commercial Paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	36,788	7,649
Recurring | Commercial Paper | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Commercial Paper | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	36,788	7,649
Recurring | Commercial Paper | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | US Treasury Notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	26,284	14,771
Recurring | US Treasury Notes | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | US Treasury Notes | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	26,284	14,771
Recurring | US Treasury Notes | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	79,277	35,362
Recurring | Mortgage-backed securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Mortgage-backed securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	79,277	35,362
Recurring | Mortgage-backed securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Agencies Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value		2,950
Recurring | Agencies Securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value		0
Recurring | Agencies Securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value		2,950
Recurring | Agencies Securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value		0
Recurring | Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	2,188	5,595
Recurring | Municipal Bonds | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Municipal Bonds | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	2,188	5,595
Recurring | Municipal Bonds | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Asset-backed Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	17,773	13,715
Recurring | Asset-backed Securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Recurring | Asset-backed Securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	17,773	13,715
Recurring | Asset-backed Securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 0	$ 0

Fair Value Measurements - Conti

Fair Value Measurements - Contingent Consideration Payable (Details) - Jun. 30, 2015 - Contingent Consideration - USD ($) $ in Thousands	Total	Total
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period	$ 15,375	$ 23,160
Payments of contingent consideration	(499)	(668)
Change in fair value of contingent consideration	100	(7,516)
Balance, end of period	$ 14,976	$ 14,976

Fair Value of Financial Instr60

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Loans to Bank Customers, Carrying Amount	$ 6,451	$ 6,550
Loans to Bank Customers, Fair Value	5,170	5,399
Deposits, Carrying Value	608,081	565,401
Deposits, Fair Value	608,018	565,345
Note payable, Carrying Value	138,750	150,000
Note payable, Fair Value	$ 138,750	$ 150,000

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Millions	Jun. 30, 2015	Dec. 31, 2014
Line of Credit [Member] | Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Letters of Credit Outstanding, Amount	$ 1.5	$ 1.5

Significant Customer Concentr62

Significant Customer Concentrations (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Concentration Risk [Line Items]
Stock-based retailer incentive compensation	$ 614	$ 2,022	$ 2,520	$ 4,410
Customer Concentration Risk [Member] | Total Operating Revenues [Member] | Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	48.00%	54.00%	42.00%	58.00%
Customer Concentration Risk [Member] | Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] | Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	48.00%	55.00%	43.00%	58.00%
Customer Concentration Risk [Member] | GPR Cards Activated (in units) [Member] | Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	59.00%	71.00%	60.00%	72.00%
Customer Concentration Risk [Member] | Sales of Cash Transfer Products (in units) [Member] | Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	81.00%	80.00%	81.00%	81.00%
Customer Concentration Risk [Member] | Settlement Assets [Member] | Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage (balance sheet disclosures)	63.00%		63.00%		22.00%
Customer Concentration Risk [Member] | Settlement Assets [Member] | Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage (balance sheet disclosures)	13.00%		13.00%		6.00%

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2015USD ($)	Jun. 30, 2014USD ($)	Jun. 30, 2015USD ($)segment	Jun. 30, 2014USD ($)	Dec. 31, 2014segment
Segment Reporting [Abstract]
Number of reportable segments | segment			2		1
Segment Reporting Information [Line Items]
Segment revenues	$ 170,247	$ 147,016	$ 397,412	$ 306,285
Segment expenses	163,329	125,284	324,598	260,893
Operating income	6,918	$ 21,732	72,814	$ 45,392
Account Services Segment [Member]
Segment Reporting Information [Line Items]
Segment revenues	134,772		282,631
Segment expenses	112,827		230,980
Operating income	21,945		51,651
Processing and Settlement Services Segment [Member]
Segment Reporting Information [Line Items]
Segment revenues	42,631		132,807
Segment expenses	30,363		67,220
Operating income	12,268		65,587
Corporate and Other [Member]
Segment Reporting Information [Line Items]
Segment revenues	(7,156)		(18,026)
Segment expenses	20,139		26,398
Operating income	$ (27,295)		$ (44,424)