Green Dot (GDOT) 10-Q 9 Nov 15 2015 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Oct. 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	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Amendment Flag	false
Entity Common Stock, Shares Outstanding		52,276,710

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Current assets:
Unrestricted cash and cash equivalents	$ 606,674	$ 724,158
Federal funds sold	481	480
Restricted cash	6,512	2,015
Investment securities available-for-sale, at fair value	80,386	46,650
Settlement assets	45,782	148,694
Accounts receivable, net	21,775	48,917
Prepaid expenses and other assets	36,954	23,992
Income tax receivable	0	16,290
Total current assets	798,564	1,011,196
Restricted cash	0	2,152
Investment securities, available-for-sale, at fair value	133,500	73,781
Loans to bank customers, net of allowance for loan losses of $413 and $444 as of September 30, 2015 and December 31, 2014, respectively	6,607	6,550
Prepaid expenses and other assets	11,756	11,883
Property and equipment, net	78,086	77,284
Deferred expenses	5,979	17,326
Net deferred tax assets	8,236	6,268
Goodwill and intangible assets	478,619	417,200
Total assets	1,521,347	1,623,640
Current liabilities:
Accounts payable	15,563	36,444
Deposits	500,022	565,401
Obligations to customers	84,762	98,052
Settlement obligations	3,674	4,484
Amounts due to card issuing banks for overdrawn accounts	980	1,224
Other accrued liabilities	63,100	79,137
Deferred revenue	10,200	24,418
Note payable	22,500	22,500
Income tax payable	171	0
Net deferred tax liabilities	4,252	3,995
Total current liabilities	705,224	835,655
Other accrued liabilities	41,226	31,495
Note payable	110,625	127,500
Total liabilities	$ 857,075	$ 994,650
Commitments and contingencies
Stockholders’ equity:
Treasury stock at cost, 1,856 shares as of September 30, 2015 and no shares outstanding as of December 31, 2014	$ 32,000	$ 0
Additional paid-in capital	406,052	383,296
Retained earnings	290,181	245,693
Accumulated other comprehensive loss	(15)	(52)
Total stockholders’ equity	664,272	628,990
Total liabilities and stockholders’ equity	1,521,347	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 September 30, 2015 and December 31, 2014; 2 shares issued and outstanding as of September 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 September 30, 2015 and December 31, 2014; 52,150 and 51,146 shares issued and outstanding as of September 30, 2015 and December 31, 2014, respectively	$ 52	$ 51

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Allowance For Loan Losses	$ 413	$ 444
Treasury stock shares	1,856,000	0
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	52,150,000	51,146,000
Common stock, shares outstanding	52,150,000	51,146,000

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Operating revenues:
Card revenues and other fees	$ 71,870	$ 58,948	$ 242,904	$ 188,007
Processing and settlement service revenues	28,470	44,085	155,007	135,852
Interchange revenues	46,020	43,757	148,381	133,626
Stock-based retailer incentive compensation	0	(2,131)	(2,520)	(6,541)
Total operating revenues	146,360	144,659	543,772	450,944
Total operating revenues
Sales and marketing expenses	52,873	55,599	169,997	173,042
Compensation and benefits expenses	40,555	31,487	123,370	88,665
Processing expenses	20,496	19,529	78,216	58,893
Other general and administrative expenses	34,142	24,716	101,081	71,624
Total operating expenses	148,066	131,331	472,664	392,224
Operating (loss) income	(1,706)	13,328	71,108	58,720
Interest income	1,128	982	3,624	2,998
Interest expense	(1,465)	(17)	(4,510)	(62)
Other income	0	6,369	0	6,369
(Loss) income before income taxes	(2,043)	20,662	70,222	68,025
Income tax (benefit) expense	(2,222)	6,771	25,734	24,486
Net income	179	13,891	44,488	43,539
Income attributable to preferred stock	(5)	(1,636)	(1,269)	(5,587)
Net income available to common stockholders	$ 174	$ 12,255	$ 43,219	$ 37,952
Basic earnings per common share (in dollars per share)	$ 0	$ 0.30	$ 0.84	$ 0.96
Diluted earnings per common share (in dollars per share)	$ 0	$ 0.30	$ 0.83	$ 0.95
Basic weighted-average common shares issued and outstanding (shares)	51,576	39,884	51,612	38,923
Diluted weighted-average common shares issued and outstanding (shares)	52,361	40,461	52,161	39,709

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Statement of Comprehensive Income [Abstract]
Net income	$ 179	$ 13,891	$ 44,488	$ 43,539
Other comprehensive income
Unrealized holding gain (loss), net of tax	315	(65)	37	25
Comprehensive income	$ 494	$ 13,826	$ 44,525	$ 43,564

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Operating activities
Net income	$ 44,488	$ 43,539
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of property and equipment	28,061	23,450
Amortization of intangible assets	17,124	730
Provision for uncollectible overdrawn accounts	46,480	26,234
Employee stock-based compensation	19,076	14,152
Stock-based retailer incentive compensation	2,520	6,541
Amortization of premium on available-for-sale investment securities	821	828
Change in fair value of contingent consideration	(7,516)	0
Impairment of capitalized software	5,739	0
Amortization of deferred financing costs	1,151	0
Deferred income tax expense	29	0
Changes in operating assets and liabilities:
Accounts receivable, net	(17,263)	(6,426)
Prepaid expenses and other assets	(11,317)	(7,670)
Deferred expenses	11,347	6,252
Accounts payable and other accrued liabilities	(29,030)	(10,471)
Amounts due to card issuing banks for overdrawn accounts	(244)	(49,084)
Deferred revenue	(14,293)	(11,607)
Income tax payable/receivable	16,670	10,385
Other, net	(94)	(30)
Net cash provided by operating activities	113,749	46,823
Investing activities
Purchases of available-for-sale investment securities	(175,857)	(161,852)
Proceeds from maturities of available-for-sale securities	57,309	106,506
Proceeds from sales of available-for-sale securities	24,289	39,866
Increase in restricted cash	(918)	(596)
Payments for acquisition of property and equipment	(37,372)	(23,798)
Net (increase) decrease in loans	(57)	85
Acquisition, net of cash acquired	(65,209)	(14,860)
Net cash used in investing activities	(197,815)	(54,649)
Financing activities
Repayments of borrowings from note payable	(16,875)	0
Borrowings on revolving line of credit	30,001	0
Repayments on revolving line of credit	(30,001)	0
Proceeds from exercise of options	2,077	6,690
Excess tax benefits from exercise of options	158	3,797
Taxes paid related to net share settlement of equity awards	(3,333)	(1,721)
Net (decrease) increase in deposits	(65,379)	222,280
Net increase (decrease) in obligations to customers	90,817	(13,713)
Contingent consideration payments	(882)	0
Repurchase of Class A common stock	(40,000)	0
Net cash (used in) provided by financing activities	(33,417)	217,333
Net (decrease) increase in unrestricted cash, cash equivalents, and federal funds sold	(117,483)	209,507
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	607,155	633,128
Cash paid for interest	3,359	62
Cash paid for income taxes	$ 9,324	$ 10,337

Organization

Organization	9 Months Ended
	Sep. 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 products 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	9 Months Ended
	Sep. 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 nine months ended September 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 September 2015, the FASB issued ASU No. 2015-16, Business Combination (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments ("ASU 2015-16"). ASU 2015-16 requires adjustments to provisional amounts that are identified during the measurement period to be recognized in the reporting period in which the adjustment amounts are determined. This includes any effect on earnings from changes in depreciation, amortization, or other income effects as a result of changes to provisional amounts calculated as if the accounting had been completed at the acquisition date. In addition, the amendments in the ASU require an entity to disclose the nature and amount of Note 2—Summary of Significant Accounting Policies (continued) measurement-period adjustments recognized in the current period that would have been recorded in previous reporting periods if the adjustments had been recognized as of the acquisition date. The amendments are effective for annual and interim periods beginning after December 15, 2015. We are currently in the process of evaluating the impact of adoption of the ASU on our consolidated financial statements. 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. 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 August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of Effective Date, which deferred 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 2015-14 and ASU 2014-09 on our consolidated financial statements.

Investment Securities

Investment Securities	9 Months Ended
	Sep. 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) September 30, 2015 Corporate bonds $ 36,957 $ 22 $ (31 ) $ 36,948 Commercial paper 23,697 4 — 23,701 U.S. Treasury notes 29,734 15 — 29,749 Mortgage-backed securities 100,706 158 (258 ) 100,606 Municipal bonds 4,693 32 (3 ) 4,722 Asset-backed securities 18,164 3 (7 ) 18,160 Total investment securities $ 213,951 $ 234 $ (299 ) $ 213,886 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 As of September 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) September 30, 2015 Corporate bonds $ 24,928 $ (31 ) $ — $ — $ 24,928 $ (31 ) Mortgage-backed securities 45,878 (179 ) 13,319 (79 ) 59,197 (258 ) Municipal bonds — — 337 (3 ) 337 (3 ) Asset-backed securities 10,020 (7 ) — — 10,020 (7 ) Total investment securities $ 80,826 $ (217 ) $ 13,656 $ (82 ) $ 94,482 $ (299 ) 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 nine months ended September 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. Note 3 — Investment Securities (continued) As of September 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 $ 80,370 $ 80,386 Due after one year through five years 11,053 11,056 Due after five years through ten years 329 336 Due after ten years 3,828 3,840 Mortgage and asset-backed securities 118,371 118,268 Total investment securities $ 213,951 $ 213,886 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	9 Months Ended
	Sep. 30, 2015
Receivables [Abstract]
Accounts Receivable	Accounts Receivable Accounts receivable, net consisted of the following: September 30, 2015 December 31, 2014 (In thousands) Overdrawn account balances due from cardholders $ 12,775 $ 14,412 Reserve for uncollectible overdrawn accounts (10,543 ) (11,196 ) Net overdrawn account balances due from cardholders 2,232 3,216 Trade receivables 2,773 8,265 Reserve for uncollectible trade receivables (62 ) (16 ) Net trade receivables 2,711 8,249 Receivables due from card issuing banks 6,746 28,349 Fee advances 952 6,545 Other receivables 9,134 2,558 Accounts receivable, net $ 21,775 $ 48,917 Activity in the reserve for uncollectible overdrawn accounts consisted of the following: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands) Balance, beginning of period $ 12,039 $ 8,555 $ 11,196 $ 10,363 Provision for uncollectible overdrawn accounts: Fees 13,012 8,613 40,393 23,016 Purchase transactions 1,902 1,562 6,087 3,218 Charge-offs (16,410 ) (8,832 ) (47,133 ) (26,699 ) Balance, end of period $ 10,543 $ 9,898 $ 10,543 $ 9,898

Property and Equipment

Property and Equipment	9 Months Ended
	Sep. 30, 2015
Property, Plant and Equipment [Abstract]
Property and Equipment	Property and Equipment During the three and nine months ended September 30, 2015 we recorded impairment charges of $0.7 million and $5.7 million , respectively, associated with capitalized internal-use software we determined were no longer viable and any remaining carrying value was written off. During the three and nine months ended September 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	9 Months Ended
	Sep. 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) September 30, 2015 Residential $ — $ — $ 40 $ 40 $ 3,666 $ 3,706 Commercial — — — — 337 337 Installment 2 — 22 24 2,953 2,977 Total loans $ 2 $ — $ 62 $ 64 $ 6,956 $ 7,020 Percentage of outstanding — % — % 0.9 % 0.9 % 99.1 % 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. September 30, 2015 December 31, 2014 (In thousands) Residential $ 285 $ 54 Commercial 16 31 Installment 157 104 Total loans $ 458 $ 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: September 30, 2015 December 31, 2014 Non-Classified Classified Non-Classified Classified (In thousands) Residential $ 3,225 $ 481 $ 3,604 $ 257 Commercial 305 32 635 62 Installment 2,853 124 2,306 130 Total loans $ 6,383 $ 637 $ 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 September 30, 2015 and December 31, 2014 : September 30, 2015 December 31, 2014 Unpaid Principal Balance Carrying Value Unpaid Principal Balance Carrying Value (In thousands) Residential $ 374 $ 285 $ 97 $ 54 Commercial 255 16 270 31 Installment 360 157 367 104 Allowance for Loan Losses Activity in the allowance for loan losses consisted of the following: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands) Balance, beginning of period $ 377 $ 414 $ 444 $ 464 Provision for loans — 20 (38 ) 20 Loans charged off — (7 ) (44 ) (66 ) Recoveries of loans previously charged off 36 8 51 17 Balance, end of period $ 413 $ 435 $ 413 $ 435

Employee Stock-Based Compensati

Employee Stock-Based Compensation	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Stock-Based Compensation	Employee Stock-Based Compensation We currently grant restricted stock units and stock options 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands, except per share data) Restricted stock units granted 55 1,281 1,705 1,733 Weighted-average grant-date fair value $ 18.85 $ 19.33 $ 16.18 $ 19.27 We issued no stock options during the three and nine months ended September 30, 2015 , or for the three months ended September 30, 2014 . We granted options to purchase 106,000 share of our Class A common stock for the nine months ended September 30, 2014 . Included in the number of restricted stock units granted during the nine months ended September 30, 2015 , are 242,587 shares of our Class A common stock underlying performance-based restricted stock units that we granted to certain executive employees under our 2010 Equity Incentive Plan. The total stock-based compensation expense recognized was $7.5 million and $19.1 million for the three and nine months ended September 30, 2015 , respectively, and $5.5 million and $14.2 million for the three and nine months ended September 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	9 Months Ended
	Sep. 30, 2015
Deposits [Abstract]
Deposits	Deposits Deposits are categorized as non-interest or interest-bearing deposits as follows: September 30, 2015 December 31, 2014 (In thousands) Non-interest bearing deposit accounts GPR deposits $ 460,632 $ 529,779 Other demand deposits 23,013 19,631 Total non-interest bearing deposit accounts 483,645 549,410 Interest-bearing deposit accounts Negotiable order of withdrawal (NOW) 918 905 Savings 8,107 7,985 Time deposits, denominations greater than or equal to $100 5,469 5,263 Time deposits, denominations less than $100 1,883 1,838 Total interest-bearing deposit accounts 16,377 15,991 Total deposits $ 500,022 $ 565,401 The scheduled contractual maturities for total time deposits are presented in the table below: September 30, 2015 (In thousands) Due in 2015 $ 679 Due in 2016 2,895 Due in 2017 2,590 Due in 2018 279 Due in 2019 337 Thereafter 572 Total time deposits $ 7,352

Note Payable

Note Payable	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Note Payable	Note Payable As of September 30, 2015 and December 31, 2014 , our outstanding debt consisted of the following: September 30, 2015 December 31, 2014 (In thousands) Term facility $ 133,125 $ 150,000 Revolving facility — — Total notes payable $ 133,125 $ 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 nine months ended September 30, 2015 , we made scheduled quarterly principal payments totaling $16.9 million . The Senior Credit Facility matures on October 23, 2019 and any amounts then outstanding are due upon maturity. Note 9—Note Payable (continued) 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 borrowings outstanding as of September 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 $3.3 million for the three and nine months ended September 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 September 30, 2015 , we were in compliance with all such covenants.

Stockholders' Equity

Stockholders' Equity	9 Months Ended
	Sep. 30, 2015
Stockholders' Equity Note [Abstract]
Stockholders' Equity	Stockholders' Equity Stock Repurchase Program In June 2015, our Board of Directors authorized, subject to regulatory approval, a repurchase of shares of our Class A Common Stock in an amount up to $150 million under a stock repurchase program with no expiration date. The stock repurchase program may be carried out at the direction of management, subject to the limitations set forth in Rule 10b-18 of the Securities and Exchange Commission and other legal requirements, and any further limitations that may be established by the Board of Directors. Repurchases may be made through open market purchases, block trades, and in negotiated private transactions. The stock may be repurchased on an ongoing basis and will be subject to the availability of stock, general market conditions, the trading price of the stock, alternative uses for capital and our financial performance. In September 2015, we received regulatory approval for our $150 million stock repurchase program at which point we entered into an accelerated share repurchase agreement ("ASR") with a financial institution to repurchase shares of our common stock as part of our repurchase program. Under the ASR agreement, in exchange for an up-front payment of $40 million , we received an initial delivery of approximately 1.8 million shares on September 4, 2015 based on the then current market price of our stock. The ASR agreement was accounted for in two separate transactions: 1) a treasury stock repurchase for the initial shares received and 2) a forward stock purchase contract indexed to our own stock for the unsettled portion of the ASR. We recorded $32 million as treasury stock, which reflects the value of the initial shares received from the financial institution and an $8 million decrease to additional paid-in capital, which reflects the implied value of the forward contract for the shares withheld by the financial institution. The final number of shares received upon settlement for the ASR will be determined based on the volume-weighted average price of our common stock over the term of the agreement less an agreed upon discount and subject to adjustments pursuant to the terms and conditions of the ASR. Upon settlement, we will either receive additional shares from the financial institution or we may be required to deliver additional shares or cash to the financial institution, at our election. Final settlement is scheduled to occur during the first quarter of 2016. The initial repurchase of shares resulted in an immediate reduction of the outstanding shares used to calculate the weighted-average common shares outstanding for basic and diluted earnings per share.

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense for the nine months ended September 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: Nine Months Ended September 30, 2015 2014 U.S. federal statutory tax rate 35.0 % 35.0 % State income taxes, net of federal tax benefit 2.6 2.0 General business credits (1.3 ) (2.3 ) Employee stock-based compensation 1.0 0.9 Transaction costs (1.9 ) — Other 1.2 0.4 Effective tax rate 36.6 % 36.0 % The effective tax rate for the nine months ended September 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, non-deductible employee stock based compensation and transaction costs. The increase in the effective tax rate for the nine months ended September 30, 2015 as compared to the nine months ended September 30, 2014 is primarily attributable to increased earnings in states that have higher statutory tax rates and decreased state business tax credits. 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 September 30, 2015 and 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, 2011 and 2012 are currently under examination by the IRS. We remain subject to examination of our federal income tax return for the years ended December 31, 2013 and 2014 . 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. Note 10—Income Taxes (continued) As of September 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 September 30, 2015 and 2014 , we had a liability of $7.3 million and $4.8 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: Nine Months Ended September 30, 2015 2014 (In thousands) Beginning balance $ 6,189 $ 3,724 Increases related to positions taken during prior years 423 — Increases related to positions taken during the current year 688 1,074 Ending balance $ 7,300 $ 4,798 The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate $ 7,300 $ 4,798 We recognized accrued interest and penalties related to unrecognized tax benefits as of September 30, 2015 and 2014 , of approximately $0.7 million and $0.3 million, respectively.

Earnings per Common Share

Earnings per Common Share	9 Months Ended
	Sep. 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands, except per share data) Basic earnings per Class A common share Net income $ 179 $ 13,891 $ 44,488 $ 43,539 Income attributable to preferred stock (5 ) (1,636 ) (1,269 ) (5,587 ) Income attributable to common stock subject to repurchase — (99 ) (32 ) (420 ) Net income allocated to Class A common stockholders $ 174 $ 12,156 $ 43,187 $ 37,532 Weighted-average Class A shares issued and outstanding 51,576 39,884 51,612 38,923 Basic earnings per Class A common share $ — $ 0.30 $ 0.84 $ 0.96 Diluted earnings per Class A common share Net income allocated to Class A common stockholders $ 174 $ 12,156 $ 43,187 $ 37,532 Re-allocated earnings — 22 13 103 Diluted net income allocated to Class A common stockholders 174 12,178 43,200 37,635 Weighted-average Class A shares issued and outstanding 51,576 39,884 51,612 38,923 Dilutive potential common shares: Stock options 375 418 291 582 Restricted stock units 383 145 236 187 Employee stock purchase plan 27 14 22 17 Diluted weighted-average Class A shares issued and outstanding 52,361 40,461 52,161 39,709 Diluted earnings per Class A common share $ — $ 0.30 $ 0.83 $ 0.95 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands) Class A common stock Options to purchase Class A common stock 492 676 681 622 Restricted stock units 11 4 33 21 Conversion of convertible preferred stock 1,519 5,369 1,517 5,795 Total options, restricted stock units and convertible preferred stock 2,022 6,049 2,231 6,438

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 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 September 30, 2015 and December 31, 2014 , our assets and liabilities carried at fair value on a recurring basis were as follows: Note 13—Fair Value Measurements (continued) Level 1 Level 2 Level 3 Total Fair Value September 30, 2015 (In thousands) Assets Corporate bonds $ — $ 36,948 $ — $ 36,948 Commercial paper — 23,701 — 23,701 U.S. Treasury notes — 29,749 — 29,749 Mortgage-backed securities — 100,606 — 100,606 Municipal bonds — 4,722 — 4,722 Asset-backed securities — 18,160 — 18,160 Total assets $ — $ 213,886 $ — $ 213,886 Liabilities Contingent consideration $ — $ — $ 14,762 $ 14,762 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 nine months ended September 30, 2015 , which is categorized in Level 3 of the fair value hierarchy. Three Months Ended September 30, 2015 Nine Months Ended September 30, 2015 (In thousands) Balance, beginning of period $ 14,976 $ 23,160 Payments of contingent consideration (214 ) (882 ) Change in fair value of contingent consideration — (7,516 ) Balance, end of period $ 14,762 $ 14,762 We based the fair value of our fixed income securities held as of September 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 nine months ended September 30, 2015 or 2014 .

Fair Value of Financial Instrum

Fair Value of Financial Instruments	9 Months Ended
	Sep. 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. Note 14—Fair Value of Financial Instruments (continued) 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 September 30, 2015 and December 31, 2014 are presented in the table below. September 30, 2015 December 31, 2014 Carrying Value Fair Value Carrying Value Fair Value (In thousands) Financial Assets Loans to bank customers, net of allowance $ 6,607 $ 5,493 $ 6,550 $ 5,399 Financial Liabilities Deposits $ 500,022 $ 499,945 $ 565,401 $ 565,345 Note payable $ 133,125 $ 133,125 $ 150,000 $ 150,000

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 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 and estimable 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 Note 15—Commitments and Contingencies (continued) 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 September 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	9 Months Ended
	Sep. 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Walmart 50% 51% 44% 55% Excluding stock-based retailer incentive compensation of $0 and $2.1 million for the three months ended September 30, 2015 and 2014 , respectively, and $2.5 million and $6.5 million for the nine months ended September 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Walmart 50% 52% 45% 56% 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Concentration of GPR cards activated (in units) 61% 70% 60% 72% Concentration of sales of cash transfer products (in units) 81% 82% 82% 82% Note 16—Significant Customer Concentration (continued) 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: September 30, 2015 December 31, 2014 Walmart 58% 22% Three other largest retail distributors, as a group 9% 6%

Segment Information

Segment Information	9 Months Ended
	Sep. 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 nine months ended September 30, 2015 . We have determined that it is impracticable to restate segment information for the three and nine months ended September 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 September 30, 2015 Account Services Processing and Settlement Services Corporate and Other Total (In thousands) Operating revenues $ 121,655 $ 31,444 $ (6,739 ) $ 146,360 Operating expenses 101,398 29,437 17,231 148,066 Operating income $ 20,257 $ 2,007 $ (23,970 ) $ (1,706 ) Nine Months Ended September 30, 2015 Account Services Processing and Settlement Services Corporate and Other Total (In thousands) Operating revenues $ 404,286 $ 164,251 $ (24,765 ) $ 543,772 Operating expenses 332,378 96,658 43,628 472,664 Operating income $ 71,908 $ 67,593 $ (68,393 ) $ 71,108

Summary of Significant Accoun24

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 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 nine months ended September 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 September 2015, the FASB issued ASU No. 2015-16, Business Combination (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments ("ASU 2015-16"). ASU 2015-16 requires adjustments to provisional amounts that are identified during the measurement period to be recognized in the reporting period in which the adjustment amounts are determined. This includes any effect on earnings from changes in depreciation, amortization, or other income effects as a result of changes to provisional amounts calculated as if the accounting had been completed at the acquisition date. In addition, the amendments in the ASU require an entity to disclose the nature and amount of Note 2—Summary of Significant Accounting Policies (continued) measurement-period adjustments recognized in the current period that would have been recorded in previous reporting periods if the adjustments had been recognized as of the acquisition date. The amendments are effective for annual and interim periods beginning after December 15, 2015. We are currently in the process of evaluating the impact of adoption of the ASU on our consolidated financial statements. 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. 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 August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of Effective Date, which deferred 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 2015-14 and ASU 2014-09 on our consolidated financial statements.

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Investment securities, available-for-sale	As of September 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) September 30, 2015 Corporate bonds $ 24,928 $ (31 ) $ — $ — $ 24,928 $ (31 ) Mortgage-backed securities 45,878 (179 ) 13,319 (79 ) 59,197 (258 ) Municipal bonds — — 337 (3 ) 337 (3 ) Asset-backed securities 10,020 (7 ) — — 10,020 (7 ) Total investment securities $ 80,826 $ (217 ) $ 13,656 $ (82 ) $ 94,482 $ (299 ) 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) September 30, 2015 Corporate bonds $ 36,957 $ 22 $ (31 ) $ 36,948 Commercial paper 23,697 4 — 23,701 U.S. Treasury notes 29,734 15 — 29,749 Mortgage-backed securities 100,706 158 (258 ) 100,606 Municipal bonds 4,693 32 (3 ) 4,722 Asset-backed securities 18,164 3 (7 ) 18,160 Total investment securities $ 213,951 $ 234 $ (299 ) $ 213,886 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 September 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 $ 80,370 $ 80,386 Due after one year through five years 11,053 11,056 Due after five years through ten years 329 336 Due after ten years 3,828 3,840 Mortgage and asset-backed securities 118,371 118,268 Total investment securities $ 213,951 $ 213,886

Accounts Receivable (Tables)

Accounts Receivable (Tables)	9 Months Ended
	Sep. 30, 2015
Receivables [Abstract]
Accounts Receivable	Accounts receivable, net consisted of the following: September 30, 2015 December 31, 2014 (In thousands) Overdrawn account balances due from cardholders $ 12,775 $ 14,412 Reserve for uncollectible overdrawn accounts (10,543 ) (11,196 ) Net overdrawn account balances due from cardholders 2,232 3,216 Trade receivables 2,773 8,265 Reserve for uncollectible trade receivables (62 ) (16 ) Net trade receivables 2,711 8,249 Receivables due from card issuing banks 6,746 28,349 Fee advances 952 6,545 Other receivables 9,134 2,558 Accounts receivable, net $ 21,775 $ 48,917 Activity in the reserve for uncollectible overdrawn accounts consisted of the following: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands) Balance, beginning of period $ 12,039 $ 8,555 $ 11,196 $ 10,363 Provision for uncollectible overdrawn accounts: Fees 13,012 8,613 40,393 23,016 Purchase transactions 1,902 1,562 6,087 3,218 Charge-offs (16,410 ) (8,832 ) (47,133 ) (26,699 ) Balance, end of period $ 10,543 $ 9,898 $ 10,543 $ 9,898

Loans to Bank Customers (Tables

Loans to Bank Customers (Tables)	9 Months Ended
	Sep. 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) September 30, 2015 Residential $ — $ — $ 40 $ 40 $ 3,666 $ 3,706 Commercial — — — — 337 337 Installment 2 — 22 24 2,953 2,977 Total loans $ 2 $ — $ 62 $ 64 $ 6,956 $ 7,020 Percentage of outstanding — % — % 0.9 % 0.9 % 99.1 % 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. September 30, 2015 December 31, 2014 (In thousands) Residential $ 285 $ 54 Commercial 16 31 Installment 157 104 Total loans $ 458 $ 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: September 30, 2015 December 31, 2014 Non-Classified Classified Non-Classified Classified (In thousands) Residential $ 3,225 $ 481 $ 3,604 $ 257 Commercial 305 32 635 62 Installment 2,853 124 2,306 130 Total loans $ 6,383 $ 637 $ 6,545 $ 449
Troubled debt restructurings	The following table presents our impaired loans and loans that we modified as TDRs as of September 30, 2015 and December 31, 2014 : September 30, 2015 December 31, 2014 Unpaid Principal Balance Carrying Value Unpaid Principal Balance Carrying Value (In thousands) Residential $ 374 $ 285 $ 97 $ 54 Commercial 255 16 270 31 Installment 360 157 367 104
Allowance for loan losses	Activity in the allowance for loan losses consisted of the following: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands) Balance, beginning of period $ 377 $ 414 $ 444 $ 464 Provision for loans — 20 (38 ) 20 Loans charged off — (7 ) (44 ) (66 ) Recoveries of loans previously charged off 36 8 51 17 Balance, end of period $ 413 $ 435 $ 413 $ 435

Employee Stock-Based Compensa28

Employee Stock-Based Compensation (Tables)	9 Months Ended
	Sep. 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands, except per share data) Restricted stock units granted 55 1,281 1,705 1,733 Weighted-average grant-date fair value $ 18.85 $ 19.33 $ 16.18 $ 19.27

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Sep. 30, 2015
Deposits [Abstract]
Summary of Deposits	Deposits are categorized as non-interest or interest-bearing deposits as follows: September 30, 2015 December 31, 2014 (In thousands) Non-interest bearing deposit accounts GPR deposits $ 460,632 $ 529,779 Other demand deposits 23,013 19,631 Total non-interest bearing deposit accounts 483,645 549,410 Interest-bearing deposit accounts Negotiable order of withdrawal (NOW) 918 905 Savings 8,107 7,985 Time deposits, denominations greater than or equal to $100 5,469 5,263 Time deposits, denominations less than $100 1,883 1,838 Total interest-bearing deposit accounts 16,377 15,991 Total deposits $ 500,022 $ 565,401
Contractual Maturities For Total Time Deposits	The scheduled contractual maturities for total time deposits are presented in the table below: September 30, 2015 (In thousands) Due in 2015 $ 679 Due in 2016 2,895 Due in 2017 2,590 Due in 2018 279 Due in 2019 337 Thereafter 572 Total time deposits $ 7,352

Note Payable (Tables)

Note Payable (Tables)	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Schedule of Debt	As of September 30, 2015 and December 31, 2014 , our outstanding debt consisted of the following: September 30, 2015 December 31, 2014 (In thousands) Term facility $ 133,125 $ 150,000 Revolving facility — — Total notes payable $ 133,125 $ 150,000

Income Taxes (Tables)

Income Taxes (Tables)	9 Months Ended
	Sep. 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: Nine Months Ended September 30, 2015 2014 U.S. federal statutory tax rate 35.0 % 35.0 % State income taxes, net of federal tax benefit 2.6 2.0 General business credits (1.3 ) (2.3 ) Employee stock-based compensation 1.0 0.9 Transaction costs (1.9 ) — Other 1.2 0.4 Effective tax rate 36.6 % 36.0 % 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: Nine Months Ended September 30, 2015 2014 (In thousands) Beginning balance $ 6,189 $ 3,724 Increases related to positions taken during prior years 423 — Increases related to positions taken during the current year 688 1,074 Ending balance $ 7,300 $ 4,798 The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate $ 7,300 $ 4,798

Earnings per Common Share (Tabl

Earnings per Common Share (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Common Share	The calculation of basic and diluted EPS was as follows: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands, except per share data) Basic earnings per Class A common share Net income $ 179 $ 13,891 $ 44,488 $ 43,539 Income attributable to preferred stock (5 ) (1,636 ) (1,269 ) (5,587 ) Income attributable to common stock subject to repurchase — (99 ) (32 ) (420 ) Net income allocated to Class A common stockholders $ 174 $ 12,156 $ 43,187 $ 37,532 Weighted-average Class A shares issued and outstanding 51,576 39,884 51,612 38,923 Basic earnings per Class A common share $ — $ 0.30 $ 0.84 $ 0.96 Diluted earnings per Class A common share Net income allocated to Class A common stockholders $ 174 $ 12,156 $ 43,187 $ 37,532 Re-allocated earnings — 22 13 103 Diluted net income allocated to Class A common stockholders 174 12,178 43,200 37,635 Weighted-average Class A shares issued and outstanding 51,576 39,884 51,612 38,923 Dilutive potential common shares: Stock options 375 418 291 582 Restricted stock units 383 145 236 187 Employee stock purchase plan 27 14 22 17 Diluted weighted-average Class A shares issued and outstanding 52,361 40,461 52,161 39,709 Diluted earnings per Class A common share $ — $ 0.30 $ 0.83 $ 0.95
Antidilutive Shares	The following table shows the weighted-average number of anti-dilutive shares excluded from the diluted EPS calculation: Three Months Ended September 30, Nine Months Ended September 30, 2015 2014 2015 2014 (In thousands) Class A common stock Options to purchase Class A common stock 492 676 681 622 Restricted stock units 11 4 33 21 Conversion of convertible preferred stock 1,519 5,369 1,517 5,795 Total options, restricted stock units and convertible preferred stock 2,022 6,049 2,231 6,438

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 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 September 30, 2015 (In thousands) Assets Corporate bonds $ — $ 36,948 $ — $ 36,948 Commercial paper — 23,701 — 23,701 U.S. Treasury notes — 29,749 — 29,749 Mortgage-backed securities — 100,606 — 100,606 Municipal bonds — 4,722 — 4,722 Asset-backed securities — 18,160 — 18,160 Total assets $ — $ 213,886 $ — $ 213,886 Liabilities Contingent consideration $ — $ — $ 14,762 $ 14,762 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 nine months ended September 30, 2015 , which is categorized in Level 3 of the fair value hierarchy. Three Months Ended September 30, 2015 Nine Months Ended September 30, 2015 (In thousands) Balance, beginning of period $ 14,976 $ 23,160 Payments of contingent consideration (214 ) (882 ) Change in fair value of contingent consideration — (7,516 ) Balance, end of period $ 14,762 $ 14,762

Fair Value of Financial Instr34

Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 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 September 30, 2015 and December 31, 2014 are presented in the table below. September 30, 2015 December 31, 2014 Carrying Value Fair Value Carrying Value Fair Value (In thousands) Financial Assets Loans to bank customers, net of allowance $ 6,607 $ 5,493 $ 6,550 $ 5,399 Financial Liabilities Deposits $ 500,022 $ 499,945 $ 565,401 $ 565,345 Note payable $ 133,125 $ 133,125 $ 150,000 $ 150,000

Significant Customer Concentr35

Significant Customer Concentrations (Tables)	9 Months Ended
	Sep. 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Walmart 50% 51% 44% 55% Excluding stock-based retailer incentive compensation of $0 and $2.1 million for the three months ended September 30, 2015 and 2014 , respectively, and $2.5 million and $6.5 million for the nine months ended September 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Walmart 50% 52% 45% 56% 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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Concentration of GPR cards activated (in units) 61% 70% 60% 72% Concentration of sales of cash transfer products (in units) 81% 82% 82% 82% Note 16—Significant Customer Concentration (continued) 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: September 30, 2015 December 31, 2014 Walmart 58% 22% Three other largest retail distributors, as a group 9% 6%

Segment Information (Tables)

Segment Information (Tables)	9 Months Ended
	Sep. 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 nine months ended September 30, 2015 . We have determined that it is impracticable to restate segment information for the three and nine months ended September 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 September 30, 2015 Account Services Processing and Settlement Services Corporate and Other Total (In thousands) Operating revenues $ 121,655 $ 31,444 $ (6,739 ) $ 146,360 Operating expenses 101,398 29,437 17,231 148,066 Operating income $ 20,257 $ 2,007 $ (23,970 ) $ (1,706 ) Nine Months Ended September 30, 2015 Account Services Processing and Settlement Services Corporate and Other Total (In thousands) Operating revenues $ 404,286 $ 164,251 $ (24,765 ) $ 543,772 Operating expenses 332,378 96,658 43,628 472,664 Operating income $ 71,908 $ 67,593 $ (68,393 ) $ 71,108

Organization (Details)

Organization (Details) shares in Thousands, customer in Thousands, $ in Millions	1 Months Ended	9 Months Ended
	Jan. 31, 2015USD ($)shares	Sep. 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	Sep. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	$ 213,951	$ 120,515
Gross unrealized gains	234	190
Gross unrealized losses	(299)	(274)
Fair value	213,886	120,431
Corporate Bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	36,957	40,433
Gross unrealized gains	22	4
Gross unrealized losses	(31)	(48)
Fair value	36,948	40,389
Commercial Paper
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	23,697	7,648
Gross unrealized gains	4	1
Gross unrealized losses	0	0
Fair value	23,701	7,649
US Treasury Notes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	29,734	14,782
Gross unrealized gains	15	5
Gross unrealized losses	0	(16)
Fair value	29,749	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	100,706	35,420
Gross unrealized gains	158	119
Gross unrealized losses	(258)	(177)
Fair value	100,606	35,362
Municipal Bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	4,693	5,555
Gross unrealized gains	32	61
Gross unrealized losses	(3)	(21)
Fair value	4,722	5,595
Asset-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	18,164	13,727
Gross unrealized gains	3	0
Gross unrealized losses	(7)	(12)
Fair value	$ 18,160	$ 13,715

Investment Securities - Continu

Investment Securities - Continuous Unrealized Loss (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	$ 80,826		$ 80,826		$ 73,165
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(217)		(217)		(239)
Fair value, 12 months or more	13,656		13,656		1,562
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	(82)		(82)		(35)
Total fair value	94,482		94,482		74,727
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(299)		(299)		(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	24,928		24,928		33,348
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(31)		(31)		(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	24,928		24,928		33,348
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(31)		(31)		(48)
US Treasury Notes
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months					6,068
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments					(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					6,068
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments					(16)
Mortgage-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	45,878		45,878		21,495
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(179)		(179)		(163)
Fair value, 12 months or more	13,319		13,319		1,143
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	(79)		(79)		(14)
Total fair value	59,197		59,197		22,638
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(258)		(258)		(177)
Municipal Bonds
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	0		0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	0		0		0
Fair value, 12 months or more	337		337		419
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	(3)		(3)		(21)
Total fair value	337		337		419
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(3)		(3)		(21)
Asset-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	10,020		10,020		12,254
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(7)		(7)		(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	10,020		10,020		12,254
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	$ (7)		$ (7)		$ (12)

Investment Securities - Maturit

Investment Securities - Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Amortized cost
Due in one year or less	$ 80,370
Due after one year through five years	11,053
Due after five years through ten years	329
Due after ten years	3,828
Mortgage and asset-backed securities	118,371
Total investment securities	213,951
Fair value
Due in one year or less	80,386
Due after one year through five years	11,056
Due after five years through ten years	336
Due after ten years	3,840
Mortgage and asset-backed securities	118,268
Fair value	$ 213,886	$ 120,431

Accounts Receivable - Accounts

Accounts Receivable - Accounts receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts receivable current and noncurrent, net	$ 21,775		$ 48,917
Receivables due from card issuing banks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	6,746		28,349
Overdrawn Account Balances due from Cardholders [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	12,775		14,412
Reserve for uncollectible overdrawn accounts	(10,543)	$ (12,039)	(11,196)	$ (9,898)	$ (8,555)	$ (10,363)
Accounts receivable current and noncurrent, net	2,232		3,216
Trade receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	2,773		8,265
Reserve for uncollectible overdrawn accounts	(62)		(16)
Accounts receivable current and noncurrent, net	2,711		8,249
Fee advances [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	952		6,545
Other receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	$ 9,134		$ 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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Uncollectible Overdrawn Accounts [Roll Forward]
Balance, beginning of period	$ 12,039	$ 8,555	$ 11,196	$ 10,363
Fees	13,012	8,613	40,393	23,016
Purchase transactions	1,902	1,562	6,087	3,218
Charge-offs	(16,410)	(8,832)	(47,133)	(26,699)
Balance, end of period	$ 10,543	$ 9,898	$ 10,543	$ 9,898

Property and Equipment (Details

Property and Equipment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Property, Plant and Equipment [Abstract]
Impairment of capitalized software	$ 700	$ 0	$ 5,739	$ 0

Loans to Bank Customers - Loan

Loans to Bank Customers - Loan Summary (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	$ 2	$ 1
60-89 days past due	0	3
90 days or more past due	62	4
Past due 30 days or more	64	8
Total Current or Less Than 30 Days Past Due	6,956	6,986
Total Outstanding Loans to Bank Customers	$ 7,020	$ 6,994
Percentage outstanding, 30-59 days past due	0.00%	0.00%
Percentage outstanding, 60-89 days past due	0.00%	0.00%
Percentage outstanding, 90 days or more past due	0.90%	0.10%
Loans, Percentage Outstanding, Total Past Due 30 Days or More	0.90%	0.10%
Percentage outstanding, current or less than 30 days past due	99.10%	99.90%
Percentage outstanding	100.00%	100.00%
Residential
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	40	0
Past due 30 days or more	40	0
Total Current or Less Than 30 Days Past Due	3,666	3,861
Total Outstanding Loans to Bank Customers	3,706	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	0	0
Past due 30 days or more	0	0
Total Current or Less Than 30 Days Past Due	337	697
Total Outstanding Loans to Bank Customers	337	697
Installment Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	2	1
60-89 days past due	0	3
90 days or more past due	22	4
Past due 30 days or more	24	8
Total Current or Less Than 30 Days Past Due	2,953	2,428
Total Outstanding Loans to Bank Customers	$ 2,977	$ 2,436

Loans to Bank Customers - Nonpe

Loans to Bank Customers - Nonperforming Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Nonperforming Loans [Line Items]
Nonperforming loans	$ 458	$ 189
Residential
Nonperforming Loans [Line Items]
Nonperforming loans	285	54
Commercial Loans
Nonperforming Loans [Line Items]
Nonperforming loans	16	31
Installment Loans
Nonperforming Loans [Line Items]
Nonperforming loans	$ 157	$ 104

Loans to Bank Customers - Credi

Loans to Bank Customers - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	$ 6,607	$ 6,550
Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	6,383	6,545
Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	637	449
Residential | Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	3,225	3,604
Residential | Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	481	257
Commercial Loans | Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	305	635
Commercial Loans | Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	32	62
Installment Loans | Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	2,853	2,306
Installment Loans | Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	$ 124	$ 130

Loans to Bank Customers - Troub

Loans to Bank Customers - Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Residential
Loan Modifications [Line Items]
Unpaid principal balance	$ 374	$ 97
Carrying value	285	54
Commercial Loans
Loan Modifications [Line Items]
Unpaid principal balance	255	270
Carrying value	16	31
Installment Loans
Loan Modifications [Line Items]
Unpaid principal balance	360	367
Carrying value	$ 157	$ 104

Loans to Bank Customers - Allow

Loans to Bank Customers - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, beginning of period	$ 377	$ 414	$ 444	$ 464
Provision for loans	0	20	(38)	20
Loans charged off	0	(7)	(44)	(66)
Recoveries of loans previously charged off	36	8	51	17
Allowance for loan losses, end of period	$ 413	$ 435	$ 413	$ 435

Employee Stock-Based Compensa49

Employee Stock-Based Compensation - Share-based Compensation Equity Granted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employee stock-based compensation	$ 7,453	$ 5,466	$ 19,076	$ 14,152
2010 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted in period (shares)	0		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)	55,000	1,281,000	1,705,000	1,733,000
Weighted-average grant-date fair value (in dollars per share)	$ 18.85	$ 19.33	$ 16.18	$ 19.27
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	Sep. 30, 2015	Dec. 31, 2014
Deposits [Abstract]
GPR deposits	$ 460,632	$ 529,779
Other demand deposits	23,013	19,631
Total non-interest bearing deposit accounts	483,645	549,410
Negotiable order of withdrawal (NOW)	918	905
Savings	8,107	7,985
Time deposits, denominations greater than or equal to $100	5,469	5,263
Time deposits, denominations less than $100	1,883	1,838
Total interest-bearing deposit accounts	16,377	15,991
Total deposits	$ 500,022	$ 565,401

Deposits - Contractual Maturiti

Deposits - Contractual Maturities (Details) $ in Thousands	Sep. 30, 2015USD ($)
Time Deposits, Fiscal Year Maturity [Abstract]
Due in 2015	$ 679
Due in 2016	2,895
Due in 2017	2,590
Due in 2018	279
Due in 2019	337
Thereafter	572
Total time deposits	$ 7,352

Note Payable - Narrative (Detai

Note Payable - Narrative (Details) - USD ($)	1 Months Ended	3 Months Ended	9 Months Ended
	Oct. 31, 2014	Sep. 30, 2015	Sep. 30, 2015	Sep. 30, 2014
Debt Instrument [Line Items]
Repayments of Notes Payable			$ 16,875,000	$ 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	$ 3,300,000
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
Quarterly principal payment		$ 5,600,000
Repayments of Notes Payable			$ 16,900,000

Note Payable - Schedule of Debt

Note Payable - Schedule of Debt (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Total notes payable	$ 133,125	$ 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	133,125	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	133,125	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

Stockholders' Equity (Details)

Stockholders' Equity (Details)	Sep. 04, 2015USD ($)shares	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Jun. 30, 2015USD ($)	Dec. 31, 2014USD ($)
Class of Stock [Line Items]
Up-front payment for common stock		$ 40,000,000	$ 0
ASR transaction accounted for as a treasury stock repurchase	$ 32,000,000	$ (32,000,000)			$ 0
ASR transaction accounted for as a decrease in additional paid-in-capital	8,000,000
ASR [Member]
Class of Stock [Line Items]
Up-front payment for common stock	$ 40,000,000
Number of shares repurchased (in shares) | shares	1,800,000
Number of separate transactions | shares	2
Common Class A [Member]
Class of Stock [Line Items]
Share repurchase program authorized amount				$ 150,000,000

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 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	$ 700		$ 300
The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	7,300	$ 4,798
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)	9 Months Ended
	Sep. 30, 2015	Sep. 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	2.60%	2.00%
General business credits	(1.30%)	(2.30%)
Employee stock-based compensation	1.00%	0.90%
Transaction costs	(1.90%)	0.00%
Other	1.20%	0.40%
Effective tax rate	36.60%	36.00%

Income Taxes - Rollforward of U

Income Taxes - Rollforward of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Reconciliation of Unrecognized Tax Benefits [Roll Forward]
Beginning balance	$ 6,189	$ 3,724
Increases related to positions taken during prior years	423	0
Increases related to positions taken during the current year	688	1,074
Ending balance	7,300	4,798
The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$ 7,300	$ 4,798

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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net income	$ 179	$ 13,891	$ 44,488	$ 43,539
Income attributable to preferred stock	(5)	(1,636)	(1,269)	(5,587)
Income attributable to common stock subject to repurchase	0	(99)	(32)	(420)
Net income allocated to Class A common stockholders	$ 174	$ 12,156	$ 43,187	$ 37,532
Weighted-average Class A shares issued and outstanding	51,576	39,884	51,612	38,923
Basic earnings per Class A common share, in usd per share	$ 0	$ 0.30	$ 0.84	$ 0.96
Re-allocated earnings	$ 0	$ 22	$ 13	$ 103
Diluted net income allocated to Class A common stockholders	$ 174	$ 12,178	$ 43,200	$ 37,635
Diluted weighted-average Class A shares issued and outstanding	52,361	40,461	52,161	39,709
Diluted earnings per Class A common share, in usd per share	$ 0	$ 0.30	$ 0.83	$ 0.95
Stock Options [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	375	418	291	582
Restricted Stock Units (RSUs) [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	383	145	236	187
Employee Stock Purchase Plan [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	27	14	22	17
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	51,576	39,884	51,612	38,923
Basic earnings per Class A common share, in usd per share	$ 0	$ 0.30	$ 0.84	$ 0.96
Diluted weighted-average Class A shares issued and outstanding	52,361	40,461	52,161	39,709
Diluted earnings per Class A common share, in usd per share	$ 0	$ 0.30	$ 0.83	$ 0.95

Earnings per Common Share - Ant

Earnings per Common Share - Antidilutive Shares (Details) - Common Class A [Member] - shares shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Antidilutive Shares [Line Items]
Antidilutive shares	2,022	6,049	2,231	6,438
Stock Options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	492	676	681	622
Restricted Stock Units (RSUs) [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	11	4	33	21
Convertible preferred stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	1,519	5,369	1,517	5,795

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Hierarchy (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 213,886	$ 120,431
Corporate Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	36,948	40,389
Commercial Paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	23,701	7,649
US Treasury Notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	29,749	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	4,722	5,595
Asset-backed Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	18,160	13,715
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	213,886	120,431
Contingent consideration, fair value	14,762	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	213,886	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	14,762	23,160
Recurring | Corporate Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	36,948	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	36,948	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	23,701	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	23,701	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	29,749	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	29,749	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	100,606	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	100,606	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	4,722	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	4,722	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	18,160	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	18,160	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) - Contingent Consideration - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2015
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period	$ 14,976	$ 23,160
Payments of contingent consideration	(214)	(882)
Change in fair value of contingent consideration	0	(7,516)
Balance, end of period	$ 14,762	$ 14,762

Fair Value of Financial Instr62

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Loans to Bank Customers, Carrying Amount	$ 6,607	$ 6,550
Loans to Bank Customers, Fair Value	5,493	5,399
Deposits, Carrying Value	500,022	565,401
Deposits, Fair Value	499,945	565,345
Note payable, Carrying Value	133,125	150,000
Note payable, Fair Value	$ 133,125	$ 150,000

Commitments and Contingencies

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Millions	Sep. 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 Concentr64

Significant Customer Concentrations (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)customer	Sep. 30, 2014USD ($)	Dec. 31, 2014
Concentration Risk [Line Items]
Stock-based retailer incentive compensation | $	$ 0	$ 2,131	$ 2,520	$ 6,541
Number of major retail distributors			4
Customer Concentration Risk [Member] | Total Operating Revenues [Member] | Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	50.00%	51.00%	44.00%	55.00%
Customer Concentration Risk [Member] | Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] | Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	50.00%	52.00%	45.00%	56.00%
Customer Concentration Risk [Member] | GPR Cards Activated (in units) [Member] | Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	61.00%	70.00%	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%	82.00%	82.00%	82.00%
Customer Concentration Risk [Member] | Settlement Assets [Member] | Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage (balance sheet disclosures)	58.00%		58.00%		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)	9.00%		9.00%		6.00%

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)segment	Sep. 30, 2014USD ($)	Dec. 31, 2014segment
Segment Reporting [Abstract]
Number of reportable segments | segment			2		1
Segment Reporting Information [Line Items]
Segment revenues	$ 146,360	$ 144,659	$ 543,772	$ 450,944
Segment expenses	148,066	131,331	472,664	392,224
Operating (loss) income	(1,706)	$ 13,328	71,108	$ 58,720
Account Services Segment [Member]
Segment Reporting Information [Line Items]
Segment revenues	121,655		404,286
Segment expenses	101,398		332,378
Operating (loss) income	20,257		71,908
Processing and Settlement Services Segment [Member]
Segment Reporting Information [Line Items]
Segment revenues	31,444		164,251
Segment expenses	29,437		96,658
Operating (loss) income	2,007		67,593
Corporate and Other [Member]
Segment Reporting Information [Line Items]
Segment revenues	(6,739)		(24,765)
Segment expenses	17,231		43,628
Operating (loss) income	$ (23,970)		$ (68,393)