View Filing Data

Print Document View Excel Document

DEI Document - shares	3 Months Ended
DEI Document - shares	Mar. 31, 2012	Apr. 30, 2012
Entity Information [Line Items]
Entity Registrant Name	GREEN DOT CORP
Trading Symbol	GDOT
Entity Central Index Key	0001386278
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-Q
Document Period End Date	Mar. 31, 2012
Document Fiscal Year Focus	2012
Document Fiscal Period Focus	Q1
Amendment Flag	false
Class A common stock [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		30,417,707
Class B common stock [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		5,170,556

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Current assets:
Unrestricted cash and cash equivalents	$ 117,644	$ 223,033
Federal funds sold	1,976	2,400
Investment securities available-for-sale, at fair-value	69,744	20,647
Settlement assets	34,647	27,355
Accounts receivable, net	46,996	41,307
Prepaid expenses and other assets	15,648	12,248
Income tax receivable	1,612	3,371
Net deferred tax assets	6,671	6,664
Total current assets	294,938	337,025
Restricted cash	13,041	12,926
Investment securities available-for-sale, at fair value	68,316	10,563
Accounts receivable, net	4,135	4,147
Loans to bank customers	9,159	10,036
Prepaid expenses and other assets	1,523	460
Property and equipment, net	31,471	27,281
Deferred expenses	9,771	12,604
Goodwill	41,481	10,817
Total assets	473,835	425,859
Current liabilities:
Accounts payable	29,930	15,441
Deposits	39,472	38,957
Settlement obligations	34,647	27,355
Amounts due to card issuing banks for overdrawn accounts	42,947	42,153
Other accrued liabilities	19,573	16,248
Deferred revenue	16,054	21,500
Total current liabilities	182,623	161,654
Other accrued liabilities	7,595	6,239
Deferred revenue	13	19
Net deferred tax liabilities	4,778	4,751
Total liabilities	195,009	172,663
Stockholders’ equity:
Additional paid-in capital	139,918	131,383
Retained earnings	138,857	121,741
Accumulated other comprehensive income	9	30
Total stockholders’ equity	278,826	253,196
Total liabilities and stockholders’ equity	473,835	425,859
Preferred stock [Member]
Stockholders’ equity:
Preferred stock	7	7
Class A common stock [Member]
Stockholders’ equity:
Common stock	30	30
Class B common stock [Member]
Stockholders’ equity:
Common stock	$ 5	$ 5

Balance Sheet Parenthetical (Parenthetical) - $ / shares shares in Thousands	Mar. 31, 2012	Dec. 31, 2011
Class A common stock [Member]
Common stock, par value	$ 0.001	$ 0.001
Common stock, shares authorized	100,000	100,000
Common stock, shares issued	30,418	30,162
Common Ssock, shares outstanding	30,418	30,162
Class B common stock [Member]
Common stock, par value	$ 0.001	$ 0.001
Common stock, shares authorized	100,000	100,000
Common stock, shares issued	5,171	5,280
Common Ssock, shares outstanding	5,171	5,280
Preferred stock [Member]
Preferred stock, par value	$ 0.001	$ 0.001
Preferred stock, shares authorized	10	10
Preferred stock, shares issued	7	7
Preferred stock, shares outstanding	7	7

Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Operating revenues
Card revenues and other fees	$ 62,373	$ 54,324
Cash transfer revenues	39,643	31,149
Interchange revenues	43,506	37,714
Stock-based retailer incentive compensation	(3,190)	(5,880)
Total operating revenues	142,332	117,307
Operating expenses
Sales and marketing expenses	52,572	42,539
Compensation and benefits expenses	26,153	21,137
Processing expenses	20,850	19,733
Other general and administrative expenses	15,904	13,393
Total operating expenses	115,479	96,802
Operating income	26,853	20,505
Interest income	1,199	103
Interest expense	(264)	(1)
Income before income taxes	27,788	20,607
Income tax expense	10,672	7,906
Net income	17,116	12,701
Income attributable to preferred stock	(2,772)	0
Net income allocated to common stockholders	$ 14,344	$ 12,701
Class A common stock [Member]
Earnings per common share
Basic	$ 0.40	$ 0.30
Diluted	$ 0.39	$ 0.29
Weighted-average common shares issued and outstanding
Basic	28,839	17,525
Diluted	35,867	42,481
Class B common stock [Member]
Earnings per common share
Basic	$ 0.40	$ 0.30
Diluted	$ 0.39	$ 0.29
Weighted-average common shares issued and outstanding
Basic	5,230	22,537
Diluted	7,012	24,945

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Statement of Income and Comprehensive Income [Abstract]
Net income	$ 17,116	$ 12,701
Other comprehensive loss, net of tax [Abstract]
Unrealized holding losses arising during period, net of relcassification adjustments for amounts included in net income	(21)	(2)
Comprehensive income	$ 17,095	$ 12,699

- Definition

The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 8, 9, 10, 11, 12, 13, 14
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 30
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph A5
-Appendix A

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e557-108580

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e540-108580

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6508144

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph c(3)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 87-21
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 10, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 95
-Paragraph 28, 29, 30
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Article 5
-Section 03
-Paragraph 19

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=6943989&loc=d3e3602-108585

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=6880815&loc=d3e20235-122688

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e565-108580

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph A7
-Appendix A

+ Details

- Definition

Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 13
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 24
-Subparagraph b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 17, 22
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e637-108580

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e653-108580

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 55
-Paragraph 2
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=6920433&loc=d3e998-108581

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph c(3)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Operating activities [Abstract]
Net income	$ 17,116	$ 12,701
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Depreciation and amortization	3,651	2,531
Provision for uncollectible overdrawn accounts	13,235	13,398
Employee stock-based compensation	3,489	1,861
Stock-based retailer incentive compensation	3,190	5,880
Amortization of premium on available-for-sale investment securities	264	0
Net gain on investment securities	(8)	0
(Recovery) provision for uncollectible trade receivables	(429)	4
Impairment of capitalized software	43	232
Deferred income taxes	0	107
Excess tax benefits from exercise of options	(1,268)	(1,363)
Chanegs in operating assets and liabilities
Settlement assets	(7,292)	835
Accounts receivable, net	(17,677)	(10,764)
Prepaid expenses and other assets	(4,364)	108
Deferred expenses	2,833	1,528
Accounts payable and other accrued liabilities	18,802	6,303
Settlement obligations	7,292	(835)
Amounts due issuing bank for overdrawn accounts	794	3,170
Deferred revenue	(5,452)	(2,543)
Income tax receivable	3,044	7,723
Net cash provided by operating activities	37,263	40,876
Investing activities [Abstract]
Purchases of available-for-sale investment securities	(122,077)	(7,985)
Proceeds from maturities of available-for-sale securities	8,053	0
Proceeds from sales of available-for-sale securities	7,700	0
Increase in restricted cash	(115)	(5,159)
Payments for acquisition of property and equipment	(7,833)	(5,393)
Net principal collections on loans	877	0
Acquisition of Loopt, Inc., net of cash acquired	(32,052)	0
Net cash used in investing activities	(145,447)	(18,537)
Financing activities [Abstract]
Proceeds from exercise of options	588	1,531
Excess tax benefits from exercise of options	1,268	1,363
Net increase in deposits	515	0
Net cash provided by financing activities	2,371	2,894
Net (decrease) increase in unrestricted cash and cash equivalents	(105,813)	25,233
Unrestricted cash, cash equivalents, and federal funds, beginning of year	225,433	167,503
Unrestricted cash, cash equivalents, and federal funds, end of period	119,620	192,736
Cash paid for interest	28	0
Cash paid for income taxes	$ 9,827	$ 76

Organization	3 Months Ended
Organization	Mar. 31, 2012
Organization [Abstract]
Organization	Green Dot Corporation (“we,” “us” and “our” refer to Green Dot Corporation and its wholly-owned subsidiaries, Next Estate Communications, Inc.; Green Dot Bancorp; Green Dot Bank; and Loopt, Inc.) is a leading financial services company providing simple, low-cost and convenient money management solutions to a broad base of U.S. consumers. Our products 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; and our MoneyPak and swipe reload proprietary products, collectively referred to as our cash transfer products, which enable cash loading and transfer services through our Green Dot Network. 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 market our cards and financial services to banked, underbanked and unbanked consumers in the United States using distribution channels other than traditional bank branches, such as third-party retailer locations nationwide and the Internet. Our prepaid debit cards are issued by Green Dot Bank and third-party issuing banks including GE Capital Retail Bank (formerly GE Money Bank) and Columbus Bank and Trust Company, a division of Synovus Bank. 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, Meijer and Radio Shack, and with various industry resellers, such as Blackhawk Network, Inc. and Incomm. We refer to participating retailers collectively as our “retail distributors.” Acquisitions In November 2011, the Board of Governors of the Federal Reserve System and the Utah Department of Financial Institutions approved our applications to acquire Bonneville Bancorp, renamed Green Dot Bancorp, a Utah bank holding company, and its bank subsidiary, Bonneville Bank, renamed Green Dot Bank. We thereby became a bank holding company under the Bank Holding Company Act of 1956. In December 2011, we completed our acquisition of Green Dot Bancorp for approximately $15.7 million in cash. We contributed $14.3 million in cash to Green Dot Bank in December 2011 to provide an initial capital base for its expanded operations. In March 2012, we acquired Loopt, Inc., or Loopt, for approximately $33.6 million in cash in exchange for all of its outstanding shares. We also have also committed to pay $9.8 million in retention-based incentives for employees we hired in connection with the acquisition of Loopt. The results of operations are included in our consolidated results of operations following the acquisition date. Pro-forma results of operations have not been presented because the effect of this acquisition was not material to our financial results.

- Definition

The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 2-6
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Name Statement of Position (SOP)
-Publisher AICPA
-Number 94-6
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Name FASB Interpretation (FIN)
-Publisher FASB
-Number 46R
-Paragraph 4, 14, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 10
-Section 45
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6359553&loc=d3e288-107754

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2197480

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6921930&loc=d3e5614-111684

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 915
-SubTopic 235
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6472506&loc=d3e38932-110933

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 852
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2209116

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 272
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6373374&loc=d3e70478-108055

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6970148&loc=SL6228881-111685

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2122150

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6359566&loc=d3e326-107755

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 720
-SubTopic 15
-URI http://asc.fasb.org/subtopic&trid=2122524

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2134480

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS140-4/FIN46(R)-8
-Paragraph 8, C1, C7
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Summary of Significant Accounting Policies	3 Months Ended
Summary of Significant Accounting Policies	Mar. 31, 2012
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Basis of Presentation We have prepared the accompanying unaudited consolidated financial statements 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, 2011, for additional disclosures, including a summary of our significant accounting policies. There have been no changes to our significant accounting policies during the three months ended March 31, 2012, except as noted below. 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. The results of operations and cash flows for the three months ended March 31, 2012 are not necessarily indicative of future results. Change in Estimate We defer and recognize new card fee revenues, a component of card revenues and other fees, on a straight-line basis over our average card lifetime. We determine the average card lifetime based on our recent historical data for comparable products. Based on recent trends in our historical data, we shortened the period we analyze GPR cards activated from forty-two months prior to each balance sheet date to thirty months and we adjusted our average card lifetime estimate from nine months to eight months during the three months ended March 31, 2012. The impact of this change was not material to our unaudited consolidated financial statements. Note 2—Summary of Significant Accounting Policies (continued) Recent Accounting Pronouncements In December 2011, the Financial Accounting Standards Board, or FASB, issued Accounting Standards Update, or ASU, 2011-12, Deferral of the Effective Date for Amendments to the Presentation of Reclassification of Items Out of Accumulated Other Comprehensive Income. In June 2011, the FASB issued ASU 2011-05, Comprehensive Income: Presentation of Comprehensive Income, which requires an entity to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. It eliminates the option to present components of other comprehensive income as part of the statement of changes in stockholders' equity. ASU 2011-05 does not change the items which must be reported in other comprehensive income, how such items are measured or when they must be reclassified to net income. ASU 2011-12 only defers those changes in ASU 2011-05 that relate to the presentation of reclassification adjustments. We adopted these ASUs in the first quarter of 2012. The adoptions of these standards did not have a significant impact on our consolidated financial statements. In September 2011, the FASB issued ASU No. 2011-08, Testing Goodwill for Impairment, which provides entities testing goodwill for impairment to now have an option of performing a qualitative assessment before having to calculate the fair value of a reporting unit. If an entity determines, on the basis of qualitative factors, that the fair value of the reporting unit is more-likely-than-not less than the carrying amount, the existing quantitative impairment test is required. Otherwise, no further impairment testing is required. We adopted this ASU in the first quarter of 2012. The adoption of this standard did not have any impact on our consolidated financial statements. In May 2011, the FASB issued ASU 2011-04, Fair Value Measurement: Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs, which converges common fair value measurement and disclosure requirements in accordance with GAAP and International Financial Reporting Standards, or IFRS. We adopted this ASU in the first quarter of 2012. The adoption of this standard did not have a significant impact on our consolidated financial statements.

Investment Securities

3 Months Ended

Mar. 31, 2012

Investment Securities [Abstract]

Investment Securities

We classify our investment securities as available-for-sale and report them at fair value with the related unrealized gains and losses, net of tax, included in accumulated other comprehensive income, a component of stockholders’ equity.

As of March 31, 2012 and December 31, 2011, our available-for-sale investment securities were as follows:



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
	(In thousands)
March 31, 2012
Corporate bonds	$	33,133	$	65	$	(1	)	$	33,197
Commercial paper	15,252		3		—			15,255
Negotiable certificate of deposit	3,500		—		—			3,500
U.S. treasury notes	42,870		—		(25		)	42,845
Agency securities	35,878		6		(44		)	35,840
Municipal bonds	4,815		14		(3		)	4,826
Asset-backed securities	2,597		—		—			2,597
Total fixed income securities	$	138,045	$	88	$	(73	)	$	138,060

December 31, 2011
Corporate bonds	$	16,307	$	27	$	(1	)	$	16,333
Commercial paper	4,998		1		—			4,999
Negotiable certificate of deposit	3,500		—		—			3,500
Agency securities	3,979		12		(4		)	3,987
Municipal bonds	2,379		13		(1		)	2,391
Total fixed income securities	$	31,163	$	53	$	(6	)	$	31,210

Note 3—Investment Securities (continued)

As of March 31, 2012 and December 31, 2011, 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		Total fair value		Total unrealized loss
	(In thousands)
March 31, 2012
Fixed income securities
Corporate bonds	$	5,597	$	(1	)	$	—	$	—	$	5,597	$	(1	)
U.S. treasury notes	42,845		(25		)	—		—		42,845		(25		)
Agency securities	26,008		(44		)	—		—		26,008		(44		)
Municipal bonds	2,642		(3		)	—		—		2,642		(3		)
Total fixed income securities	$	77,092	$	(73	)	$	—	$	—	$	77,092	$	(73	)

December 31, 2011
Fixed income securities
Corporate bonds	$	2,999	$	(1	)	$	—	$	—	$	2,999	$	(1	)
Agency securities	1,663		(4		)	—		—		1,663		(4		)
Municipal bonds	324		(1		)	—		—		324		(1		)
Total fixed income securities	$	4,986	$	(6	)	$	—	$	—	$	4,986	$	(6	)

We did not record any other-than-temporary impairment losses during the three-month periods ended March 31, 2012 or 2011 on our available-for-sale investment securities. We do not intend to sell these investments or it is more likely than not that we will not be required to sell these investments before recovery of their amortized cost bases, which may be at maturity.

As of March 31, 2012, 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	$	69,713	$	69,744
Due after one year through five years	65,782		65,763
Due after five years through ten years	2,204		2,205
Due after ten years	346		348
Total fixed income securities	$	138,045	$	138,060

Accounts Receivable

3 Months Ended

Mar. 31, 2012

Accounts Receivable [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	March 31, 2012			December 31, 2011
	(In thousands)
Overdrawn account balances due from cardholders	$	21,540		$	22,139
Reserve for uncollectible overdrawn accounts	(14,482		)	(15,309		)
Net overdrawn account balances due from cardholders	7,058			6,830
Trade receivables	10,380			5,574
Reserve for uncollectible trade receivables	(23		)	(453		)
Net trade receivables	10,357			5,121
Receivables due from card issuing banks	29,075			28,812
Other receivables	4,641			4,691
Accounts receivable, net	$	51,131		$	45,454

Activity in the reserve for uncollectible overdrawn accounts consisted of the following:



	Three Months Ended March 31,
	2012			2011
	(In thousands)
Balance, beginning of period	$	15,309		$	11,823
Provision for uncollectible overdrawn accounts:
Fees	12,489			12,055
Purchase transactions	746			1,343
Charge-offs	(14,062		)	(10,928		)
Balance, end of period	$	14,482		$	14,293

Loans

3 Months Ended

Mar. 31, 2012

Loans [Abstract]

Loans

The following tables presents total outstanding loans 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			Purchased Credit-Impaired Loans			Total Outstanding
	(In thousands)
March 31, 2012
Real estate	$	569		$	—		$	—		$	569		$	4,024		$	503		$	5,096
Commercial	118			—			—			118			1,012			8			1,138
Installment	8			—			12			20			2,690			215			2,925
Total loans	$	695		$	—		$	12		$	707		$	7,726		$	726		$	9,159

Percentage of outstanding	7.59		%	—		%	0.13		%	7.72		%	84.35		%	7.93		%	100.00		%

Note 5—Loans (continued)



	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			Purchased Credit-Impaired Loans			Total Outstanding
	(In thousands)
December 31, 2011
Real estate	$	—		$	—		$	—		$	—		$	4,983		$	503		$	5,486
Commercial	2			—			—			2			1,371			44			1,417
Installment	—			—			—			—			2,881			252			3,133
Total loans	$	2		$	—		$	—		$	2		$	9,235		$	799		$	10,036

Percentage of outstanding	0.02		%	—		%	—		%	0.02		%	92.02		%	7.96		%	100.00		%

Nonperforming Loans

The loan balances past due 90 days or more in the table above are not accruing interest as they are classified as nonperforming. See Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our 2011 Annual Report on Form 10-K for further information on the criteria for classification as nonperforming.

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. Classified loans are internally classified as substandard, doubtful or loss consistent with regulatory guidelines.

The tables below present our primary credit quality indicators related to our loan portfolio:



	Non-Classified		Classified
	(In thousands)
March 31, 2012
Real estate	$	4,735	$	361
Commercial	1,130		8
Installment	2,784		141
Total loans	$	8,649	$	510

December 31, 2011
Real estate	$	5,125	$	361
Commercial	1,407		10
Installment	2,982		151
Total loans	$	9,515	$	522

Purchased Credit-Impaired Loans

The table below presents the remaining unpaid principal balance and carrying amount for purchased credit-impaired loans:



	March 31, 2012		December 31, 2011
	(In thousands)
Unpaid principal balance	$	1,321	$	1,506
Carrying value	726		799

Note 5—Loans (continued)

The table below shows activity for the accretable yield on purchased credit-impaired loans:



	Three Months Ended
	March 31, 2012
	(In thousands)
Accretable yield at beginning of period	$	99
Accretion	(25		)
Accretable yield at end of period	$	74

Allowance for Loan Losses

As of March 31, 2012 and December 31, 2011, we did not establish an allowance for credit losses. We recorded our loan portfolio at fair value when acquired on December 8, 2011 in conjunction with our acquisition of Green Dot Bancorp and there have been no material changes in credit quality associated with the loan portfolio since the acquisition date.

- Definition

The entire disclosure for claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 3, 4
-Article 5

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Article 9

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 01-6
-Paragraph 13
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Article 4
-Section 08
-Paragraph k

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5074-111524

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5066-111524

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(k))
-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5162-111524

+ Details

Fair Value Measurements

3 Months Ended

Mar. 31, 2012

Fair Value Disclosures [Abstract]

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 3–Investment Securities to the Consolidated Financial Statements of our 2011 Annual Report on Form 10-K.

As of March 31, 2012 and December 31, 2011, our assets carried at fair value on a recurring basis were as follows:



	Level 1		Level 2		Level 3		Total Fair Value
	(In thousands)
March 31, 2012
Corporate bonds	$	—	$	33,197	$	—	$	33,197
Commercial paper	—		15,255		—		15,255
Negotiable certificate of deposit	—		3,500		—		3,500
U.S. treasury notes	—		42,845		—		42,845
Agency securities	—		35,840		—		35,840
Municipal bonds	—		4,826		—		4,826
Asset-backed securities	—		2,597		—		2,597
Total	$	—	$	138,060	$	—	$	138,060

December 31, 2011
Corporate bonds	$	—	$	16,333	$	—	$	16,333
Commercial paper	—		4,999		—		4,999
Negotiable certificate of deposit	—		3,500		—		3,500
Agency securities	—		3,987		—		3,987
Municipal bonds	—		2,391		—		2,391
Total	$	—	$	31,210	$	—	$	31,210

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 133
-Paragraph 44A, 44B
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15C, 15D
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15A
-Subparagraph a-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15B
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 3, 10, 14, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32, 33, 34
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 17-22, 27, 28
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6925170&loc=d3e19207-110258

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13537-108611

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14064-108612

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13433-108611

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13504-108611

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6925170&loc=d3e19296-110258

+ Details

Fair Value of Financial Instruments

3 Months Ended

Mar. 31, 2012

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

The following describes the valuation technique for determining the fair value of financial instruments, whether or not carried as such on our consolidated balance sheets.

Note 7—Fair Value of Financial Instruments (continued)

Short-term Financial Instruments

Our short-term financial instruments consist principally of unrestricted and restricted cash and cash equivalents, federal funds sold, and settlement assets and obligations. These financial instruments are short-term in nature, and, accordingly, we believe their carrying amounts approximate their fair values. Under the fair value hierarchy, cash and cash equivalents and settlement assets and obligations are classified as Level 1. Federal funds sold are classified as Level 2.

Investment Securities

The fair values of investment securities have been derived using methodologies referenced in Note 6 – Fair Value Measurements. 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 2 and 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.

Fair Value of Financial Instruments

The carrying values and fair values of certain financial instruments that were not carried at fair value at March 31, 2012 and December 31, 2011 are presented in the table below.



	March 31, 2012				December 31, 2011
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers	$	9,159	$	9,058	$	10,036	$	10,036

Financial Liabilities
Deposits	$	39,472	$	39,532	$	38,957	$	38,957

Goodwill

3 Months Ended

Mar. 31, 2012

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill

Changes in the carrying amount of goodwill consisted of the following:



	Three Months Ended
	March 31, 2012
	(In thousands)
Balance, beginning of period	$	10,817
Acquisition of Loopt, Inc.	30,664
Balance, end of period	$	41,481

We have not completed the purchase price allocation for our acquisition of Loopt because of the proximity of the acquisition to the end of the quarter. The initial allocation of the purchase price to goodwill set forth in the table above was made using the information currently available. We may adjust this allocation after obtaining more information regarding, among other things, asset valuations, liabilities assumed, and revisions of preliminary estimates. The purchase price allocation will be finalized in 2012.

- Definition

The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final. May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.

+ References + Details

Income Taxes

3 Months Ended

Mar. 31, 2012

Income Tax Disclosure [Abstract]

Income Taxes

Income tax expense for the three-month periods ended March 31, 2012 and 2011 varied from the amount computed by applying the federal statutory income tax rate to income before income taxes. A reconciliation between the expected federal income tax expense using the federal statutory tax rate and our actual income tax expense was as follows:



	Three Months Ended March 31,
	2012		2011
U.S. federal statutory tax rate	35.0	%	35.0	%
State income taxes, net of federal benefit	1.6		1.4
Other	1.8		2.0
Effective tax rate	38.4	%	38.4	%

In accounting for income taxes, we follow the guidance related to uncertainty in income taxes. The guidance prescribes a comprehensive framework for the financial statement recognition, measurement, presentation, and disclosure of uncertain income tax positions that we have taken or anticipate taking in a tax return, and includes guidance on de-recognition, classification, interest and penalties, accounting in interim periods, and transition rules. We have concluded that we have no significant unrecognized tax benefits. 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 years ended July 31, 2005 and 2008 have been examined by the IRS, and there have been no material changes in our tax liabilities for those years. We generally remain subject to examination of our federal income tax returns for the year ended July 31, 2008 and later years. 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.

- Definition

The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 136, 172
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 43, 44, 45, 46, 47, 48, 49
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

+ Details

Employee Stock-Based Compensation

3 Months Ended

Mar. 31, 2012

Share-based Compensation [Abstract]

Employee Stock-Based Compensation

We currently grant stock options and restricted stock units to employees and directors under our 2010 Equity Incentive Plan. We have reserved shares of our Class A common stock for issuance under this 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.

The following table summarizes stock options and restricted stock units granted:



	Three Months Ended March 31,
	2012		2011
	(in thousands, except per share data)
Stock options granted	506		107
Weighted-average exercise price	$	29.62	$	55.52
Weighted-average grant-date fair value	$	13.86	$	26.50

Restricted stock units granted	40		—
Weighted-average grant-date fair value	$	30.74	$	—

We estimated the fair value of each stock option grant on the date of grant using the following weighted-average assumptions:



	Three Months Ended March 31,
	2012		2011
Risk-free interest rate	1.05	%	2.31	%
Expected term (life) of options (in years)	6.08		6.08
Expected dividends	—		—
Expected volatility	48.50	%	47.00	%

The total stock-based compensation expense recognized was $3.5 million and $1.9 million for the three-month periods ended March 31, 2012 and 2011, 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.

- Definition

The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 123R
-Paragraph 64, 65, A240
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 93-6
-Paragraph 53
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 50
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6406099&loc=d3e25284-112666

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5444-113901

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 40
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6418621&loc=d3e17540-113929

+ Details

Earnings per Common Share

3 Months Ended

Mar. 31, 2012

Earnings Per Share [Abstract]

Earnings per Common Share

The calculation of basic EPS and diluted EPS was as follows:



	Three Months Ended March 31,
	2012			2011
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	17,116		$	12,701
Income attributable to preferred stock	(2,772		)	—
Income attributable to other classes of common stock	(2,691		)	(7,393		)
Net income allocated to Class A common stockholders	11,653			5,308
Weighted-average Class A shares issued and outstanding	28,839			17,525
Basic earnings per Class A common share	$	0.40		$	0.30

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	11,653		$	5,308
Allocated earnings to participating securities, net of re-allocated earnings	2,718			7,143
Re-allocated earnings	(468		)	(286		)
Diluted net income allocated to Class A common stockholders	13,903			12,165
Weighted-average Class A shares issued and outstanding	28,839			17,525
Dilutive potential common shares:
Class B common stock	7,012			24,945
Stock options	—			3
Restricted stock units	7			—
Employee stock purchase plan	9			8
Diluted weighted-average Class A shares issued and outstanding	35,867			42,481
Diluted earnings per Class A common share	$	0.39		$	0.29



	Three Months Ended March 31,
	2012			2011
	(In thousands, except per share data)
Basic earnings per Class B common share
Net income	$	17,116		$	12,701
Income attributable to preferred stock	(2,772		)	—
Income attributable to other classes of common stock	(12,231		)	(5,875		)
Net income allocated to Class B common stockholders	2,113			6,826
Weighted-average Class B shares issued and outstanding	5,230			22,537
Basic earnings per Class B common share	$	0.40		$	0.30

Diluted earnings per Class B common share
Net income allocated to Class B common stockholders	$	2,113		$	6,826
Re-allocated earnings	605			317
Diluted net income allocated to Class B common stockholders	2,718			7,143
Weighted-average Class B shares issued and outstanding	5,230			22,537
Dilutive potential common shares:
Stock options	1,782			2,408
Diluted weighted-average Class B shares issued and outstanding	7,012			24,945
Diluted earnings per Class B common share	$	0.39		$	0.29

Note 11—Earnings per Common Share (continued)

We excluded from the computation of basic EPS all shares issuable under an unvested warrant to purchase 4,283,456 shares of our Class B common stock, as the related performance conditions had not been satisfied.

For the periods presented, we excluded all shares of convertible preferred stock and certain 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 March 31,
	2012	2011
	(In thousands)
Class A common stock
Options to purchase Class A common stock	596	65
Restricted stock units	4	—
Conversion of convertible preferred stock	6,859
Total options and restricted stock units	7,459	65
Class B common stock
Options to purchase Class B common stock	19	—
Conversion of convertible preferred stock	—	—
Total options and convertible preferred stock	19	—

Commitments and Contingencies	3 Months Ended
Commitments and Contingencies	Mar. 31, 2012
Commitments and Contingencies [Abstract]
Commitments and Contingencies	We have retained outside regulatory counsel to survey and monitor the laws of all 50 states to identify state laws or regulations that apply to prepaid debit cards and other stored value products. Many state laws do not specifically address stored value products and what, if any, legal or regulatory requirements (including licensing) apply to the sale of these products. We have obtained money transmitter licenses (or similar such licenses) where applicable, based on advice of counsel or when we have been requested to do so. If we were found to be in violation of any laws and regulations governing banking, money transmitters, electronic fund transfers, or money laundering in the United States or abroad, we could be subject to penalties or could be forced to change our business practices. In the ordinary course of business, we are a party to various legal proceedings. We review these actions on an ongoing basis to determine whether it is probable that a loss has occurred and use that information when making accrual and disclosure decisions. We have not established reserves or possible ranges of losses related to these proceedings because, at this time in the proceedings, the matters do not relate to a probable loss and/or the amounts are not reasonably estimable. From time to time we enter into contracts containing provisions that contingently require us to indemnify various parties against claims from third parties. These contracts primarily relate to (i) contracts with our card issuing banks, under which we are responsible to them for any unrecovered overdrafts on cardholders’ accounts; (ii) certain real estate leases, under which we may be required to indemnify property owners for environmental and other liabilities, and other claims arising from our use of the premises, (iii) certain agreements with our officers, directors, and employees, under which we may be required to indemnify these persons for liabilities arising out of their relationship with us, (iv) contracts under which we may be required to indemnify our retail distributors, suppliers, vendors and other parties with whom we have contracts against third-party claims that our products infringe a patent, copyright, or other intellectual property right claims arising from our acts, omissions, or violation of law. 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.

- Definition

The entire disclosure for commitments and contingencies.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Interpretation (FIN)
-Number 14
-Paragraph 3
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 5
-Paragraph 9, 10, 11, 12
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.25)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 450
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6952336&loc=d3e14435-108349

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 460
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 440
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6394976&loc=d3e25287-109308

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6449706&loc=d3e16207-108621

+ Details

Significant Customer Concentrations

3 Months Ended

Mar. 31, 2012

Significant Customer Concentrations [Abstract]

Significant Customer Concentrations

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 our four largest retail distributors represented the following percentages of our total operating revenues:



	Three Months Ended March 31,
	2012		2011
Walmart	64	%	58	%
Three other largest retail distributors, as a group	20	%	17	%

Excluding stock-based retailer incentive compensation of $3.2 million and $5.9 million for the three-month periods ended March 31, 2012 and 2011, respectively, revenues derived from our products sold at our four largest retail distributors represented the following percentages of our total operating revenues:



	Three Months Ended March 31,
	2012		2011
Walmart	65	%	60	%
Three other largest retail distributors, as a group	20	%	16	%

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 was as follows:



	Three Months Ended March 31,
	2012		2011
Concentration of GPR cards activated (in units)	89	%	71	%
Concentration of sales of cash transfer products (in units)	90	%	91	%

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 sheet:



	March 31, 2012		December 31, 2011
Walmart	34	%	33	%
Three other largest retail distributors, as a group	36	%	39	%

At March 31, 2012 and December 31, 2011, the substantial majority of the customer funds underlying our products were held in bank accounts at two card issuing banks. These funds are held in trust for the benefit of the customers, and we have no legal rights to the customer funds or deposits at the card issuing banks. Additionally, we have receivables due from these card issuing banks included in accounts receivable, net, on our consolidated balance sheets. The failure of either of these card issuing banks could result in significant business disruption, a potential material adverse affect on our ability to service our customers, potential contingent obligations by us to customers and material write-offs of uncollectible receivables due from these card issuing banks.

- Definition

The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15A
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 94-6
-Paragraph 21, 22, 24
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13537-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6327-108592

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13531-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 18
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6351-108592

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6404-108592

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6442-108592

+ Details

Investment Securities (Tables)

3 Months Ended

Mar. 31, 2012

Investment Securities [Abstract]

Investment securities, available-for-sale

As of March 31, 2012 and December 31, 2011, 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		Total fair value		Total unrealized loss
	(In thousands)
March 31, 2012
Fixed income securities
Corporate bonds	$	5,597	$	(1	)	$	—	$	—	$	5,597	$	(1	)
U.S. treasury notes	42,845		(25		)	—		—		42,845		(25		)
Agency securities	26,008		(44		)	—		—		26,008		(44		)
Municipal bonds	2,642		(3		)	—		—		2,642		(3		)
Total fixed income securities	$	77,092	$	(73	)	$	—	$	—	$	77,092	$	(73	)

December 31, 2011
Fixed income securities
Corporate bonds	$	2,999	$	(1	)	$	—	$	—	$	2,999	$	(1	)
Agency securities	1,663		(4		)	—		—		1,663		(4		)
Municipal bonds	324		(1		)	—		—		324		(1		)
Total fixed income securities	$	4,986	$	(6	)	$	—	$	—	$	4,986	$	(6	)

As of March 31, 2012, 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	$	69,713	$	69,744
Due after one year through five years	65,782		65,763
Due after five years through ten years	2,204		2,205
Due after ten years	346		348
Total fixed income securities	$	138,045	$	138,060

As of March 31, 2012 and December 31, 2011, our available-for-sale investment securities were as follows:



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
	(In thousands)
March 31, 2012
Corporate bonds	$	33,133	$	65	$	(1	)	$	33,197
Commercial paper	15,252		3		—			15,255
Negotiable certificate of deposit	3,500		—		—			3,500
U.S. treasury notes	42,870		—		(25		)	42,845
Agency securities	35,878		6		(44		)	35,840
Municipal bonds	4,815		14		(3		)	4,826
Asset-backed securities	2,597		—		—			2,597
Total fixed income securities	$	138,045	$	88	$	(73	)	$	138,060

December 31, 2011
Corporate bonds	$	16,307	$	27	$	(1	)	$	16,333
Commercial paper	4,998		1		—			4,999
Negotiable certificate of deposit	3,500		—		—			3,500
Agency securities	3,979		12		(4		)	3,987
Municipal bonds	2,379		13		(1		)	2,391
Total fixed income securities	$	31,163	$	53	$	(6	)	$	31,210

- Definition

Tabular disclosure of available-for-sale securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 03-1
-Paragraph 21
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 17
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 19, 20, 21
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27337-111563

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27198-111563

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27161-111563

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62557-112803

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27357-111563

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27290-111563

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

+ Details

Accounts Receivable (Tables)

3 Months Ended

Mar. 31, 2012

Accounts Receivable [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	March 31, 2012			December 31, 2011
	(In thousands)
Overdrawn account balances due from cardholders	$	21,540		$	22,139
Reserve for uncollectible overdrawn accounts	(14,482		)	(15,309		)
Net overdrawn account balances due from cardholders	7,058			6,830
Trade receivables	10,380			5,574
Reserve for uncollectible trade receivables	(23		)	(453		)
Net trade receivables	10,357			5,121
Receivables due from card issuing banks	29,075			28,812
Other receivables	4,641			4,691
Accounts receivable, net	$	51,131		$	45,454

Activity in the reserve for uncollectible overdrawn accounts consisted of the following:



	Three Months Ended March 31,
	2012			2011
	(In thousands)
Balance, beginning of period	$	15,309		$	11,823
Provision for uncollectible overdrawn accounts:
Fees	12,489			12,055
Purchase transactions	746			1,343
Charge-offs	(14,062		)	(10,928		)
Balance, end of period	$	14,482		$	14,293

Loans (Tables)

3 Months Ended

Mar. 31, 2012

Loans [Abstract]

Past Due Financing Receivables

The following tables presents total outstanding loans 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			Purchased Credit-Impaired Loans			Total Outstanding
	(In thousands)
March 31, 2012
Real estate	$	569		$	—		$	—		$	569		$	4,024		$	503		$	5,096
Commercial	118			—			—			118			1,012			8			1,138
Installment	8			—			12			20			2,690			215			2,925
Total loans	$	695		$	—		$	12		$	707		$	7,726		$	726		$	9,159

Percentage of outstanding	7.59		%	—		%	0.13		%	7.72		%	84.35		%	7.93		%	100.00		%

Note 5—Loans (continued)



	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			Purchased Credit-Impaired Loans			Total Outstanding
	(In thousands)
December 31, 2011
Real estate	$	—		$	—		$	—		$	—		$	4,983		$	503		$	5,486
Commercial	2			—			—			2			1,371			44			1,417
Installment	—			—			—			—			2,881			252			3,133
Total loans	$	2		$	—		$	—		$	2		$	9,235		$	799		$	10,036

Percentage of outstanding	0.02		%	—		%	—		%	0.02		%	92.02		%	7.96		%	100.00		%

Financing Receivable Credit Quality Indicators

The tables below present our primary credit quality indicators related to our loan portfolio:



	Non-Classified		Classified
	(In thousands)
March 31, 2012
Real estate	$	4,735	$	361
Commercial	1,130		8
Installment	2,784		141
Total loans	$	8,649	$	510

December 31, 2011
Real estate	$	5,125	$	361
Commercial	1,407		10
Installment	2,982		151
Total loans	$	9,515	$	522

PCI Loans

The table below presents the remaining unpaid principal balance and carrying amount for purchased credit-impaired loans:



	March 31, 2012		December 31, 2011
	(In thousands)
Unpaid principal balance	$	1,321	$	1,506
Carrying value	726		799

Accretable Yield

The table below shows activity for the accretable yield on purchased credit-impaired loans:



	Three Months Ended
	March 31, 2012
	(In thousands)
Accretable yield at beginning of period	$	99
Accretion	(25		)
Accretable yield at end of period	$	74

Fair Value Measurements (Tables)

3 Months Ended

Mar. 31, 2012

Fair Value Disclosures [Abstract]

Assets Carried at Fair Value on a Recurring Basis

As of March 31, 2012 and December 31, 2011, our assets carried at fair value on a recurring basis were as follows:



	Level 1		Level 2		Level 3		Total Fair Value
	(In thousands)
March 31, 2012
Corporate bonds	$	—	$	33,197	$	—	$	33,197
Commercial paper	—		15,255		—		15,255
Negotiable certificate of deposit	—		3,500		—		3,500
U.S. treasury notes	—		42,845		—		42,845
Agency securities	—		35,840		—		35,840
Municipal bonds	—		4,826		—		4,826
Asset-backed securities	—		2,597		—		2,597
Total	$	—	$	138,060	$	—	$	138,060

December 31, 2011
Corporate bonds	$	—	$	16,333	$	—	$	16,333
Commercial paper	—		4,999		—		4,999
Negotiable certificate of deposit	—		3,500		—		3,500
Agency securities	—		3,987		—		3,987
Municipal bonds	—		2,391		—		2,391
Total	$	—	$	31,210	$	—	$	31,210

- Definition

Tabular disclosure of assets, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, by class that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).

+ References + Details

Fair Value of Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2012

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 at March 31, 2012 and December 31, 2011 are presented in the table below.



	March 31, 2012				December 31, 2011
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers	$	9,159	$	9,058	$	10,036	$	10,036

Financial Liabilities
Deposits	$	39,472	$	39,532	$	38,957	$	38,957

- Definition

Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments, assets, and liabilities. Such certain disclosures about the financial instruments, assets, and liabilities include: (1) the fair value of the required items together with their carrying amounts (as appropriate) and (2) the methodology and assumptions used in developing such estimates of fair value.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 14
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15
-Subparagraph b-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32
-Subparagraph a, c(1), c(2), c(3), d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 18
-Subparagraph c(2), d, e, f
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 19
-Subparagraph a, b, c(1), d(1)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13433-108611

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13467-108611

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13476-108611

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6925170&loc=d3e19207-110258

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

+ Details

Goodwill (Tables)

3 Months Ended

Mar. 31, 2012

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill Rollforward

Changes in the carrying amount of goodwill consisted of the following:



	Three Months Ended
	March 31, 2012
	(In thousands)
Balance, beginning of period	$	10,817
Acquisition of Loopt, Inc.	30,664
Balance, end of period	$	41,481

- Definition

Tabular disclosure of goodwill by reportable segment and in total. Disclosure details may include, but are not limited to, the carrying amount of goodwill, goodwill acquired during the year, goodwill impairment losses recognized, goodwill written-off due to the sale of a business unit, goodwill not yet allocated, and any other changes to goodwill.

+ References + Details

Income Taxes (Tables)

3 Months Ended

Mar. 31, 2012

Income Tax Disclosure [Abstract]

Effective Tax Rate Reconcilion

A reconciliation between the expected federal income tax expense using the federal statutory tax rate and our actual income tax expense was as follows:



	Three Months Ended March 31,
	2012		2011
U.S. federal statutory tax rate	35.0	%	35.0	%
State income taxes, net of federal benefit	1.6		1.4
Other	1.8		2.0
Effective tax rate	38.4	%	38.4	%

Employee Stock-Based Compensation (Tables)

3 Months Ended

Mar. 31, 2012

Share-based Compensation [Abstract]

Grant Summary

The following table summarizes stock options and restricted stock units granted:



	Three Months Ended March 31,
	2012		2011
	(in thousands, except per share data)
Stock options granted	506		107
Weighted-average exercise price	$	29.62	$	55.52
Weighted-average grant-date fair value	$	13.86	$	26.50

Restricted stock units granted	40		—
Weighted-average grant-date fair value	$	30.74	$	—

We estimated the fair value of each stock option grant on the date of grant using the following weighted-average assumptions:



	Three Months Ended March 31,
	2012		2011
Risk-free interest rate	1.05	%	2.31	%
Expected term (life) of options (in years)	6.08		6.08
Expected dividends	—		—
Expected volatility	48.50	%	47.00	%

- Definition

Tabular disclosure of components of a stock option or other award plan under which equity-based compensation is awarded to employees, typically comprised of the amount of unearned compensation (deferred compensation cost), compensation expense, and changes in the quantity and fair value of the shares (or other type of equity) granted, exercised, forfeited, and issued and outstanding pertaining to that plan. Disclosure may also include nature and general terms of such arrangements that existed during the period and potential effects of those arrangements on shareholders, effect of compensation cost arising from equity-based payment arrangements on the income statement, method of estimating the fair value of the goods or services received, or the fair value of the equity instruments granted, during the period, cash flow effects resulting from equity-based payment arrangements and, for registrants that accelerate vesting of out of the money share options, reasons for the decision to accelerate.

+ References + Details

Earnings per Common Share (Tables)

3 Months Ended

Mar. 31, 2012

Earnings Per Share [Abstract]

Earnings Per Common Share

The calculation of basic EPS and diluted EPS was as follows:



	Three Months Ended March 31,
	2012			2011
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	17,116		$	12,701
Income attributable to preferred stock	(2,772		)	—
Income attributable to other classes of common stock	(2,691		)	(7,393		)
Net income allocated to Class A common stockholders	11,653			5,308
Weighted-average Class A shares issued and outstanding	28,839			17,525
Basic earnings per Class A common share	$	0.40		$	0.30

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	11,653		$	5,308
Allocated earnings to participating securities, net of re-allocated earnings	2,718			7,143
Re-allocated earnings	(468		)	(286		)
Diluted net income allocated to Class A common stockholders	13,903			12,165
Weighted-average Class A shares issued and outstanding	28,839			17,525
Dilutive potential common shares:
Class B common stock	7,012			24,945
Stock options	—			3
Restricted stock units	7			—
Employee stock purchase plan	9			8
Diluted weighted-average Class A shares issued and outstanding	35,867			42,481
Diluted earnings per Class A common share	$	0.39		$	0.29



	Three Months Ended March 31,
	2012			2011
	(In thousands, except per share data)
Basic earnings per Class B common share
Net income	$	17,116		$	12,701
Income attributable to preferred stock	(2,772		)	—
Income attributable to other classes of common stock	(12,231		)	(5,875		)
Net income allocated to Class B common stockholders	2,113			6,826
Weighted-average Class B shares issued and outstanding	5,230			22,537
Basic earnings per Class B common share	$	0.40		$	0.30

Diluted earnings per Class B common share
Net income allocated to Class B common stockholders	$	2,113		$	6,826
Re-allocated earnings	605			317
Diluted net income allocated to Class B common stockholders	2,718			7,143
Weighted-average Class B shares issued and outstanding	5,230			22,537
Dilutive potential common shares:
Stock options	1,782			2,408
Diluted weighted-average Class B shares issued and outstanding	7,012			24,945
Diluted earnings per Class B common share	$	0.39		$	0.29

Antidilutive Shares

The following table shows the weighted-average number of anti-dilutive shares excluded from the diluted EPS calculation:



	Three Months Ended March 31,
	2012	2011
	(In thousands)
Class A common stock
Options to purchase Class A common stock	596	65
Restricted stock units	4	—
Conversion of convertible preferred stock	6,859
Total options and restricted stock units	7,459	65
Class B common stock
Options to purchase Class B common stock	19	—
Conversion of convertible preferred stock	—	—
Total options and convertible preferred stock	19	—

Significant Customer Concentrations (Tables)

3 Months Ended

Mar. 31, 2012

Significant Customer Concentrations [Abstract]

Schedules of Concentration of Risk, by Risk Factor

Revenues derived from our products sold at our four largest retail distributors represented the following percentages of our total operating revenues:



	Three Months Ended March 31,
	2012		2011
Walmart	64	%	58	%
Three other largest retail distributors, as a group	20	%	17	%



	Three Months Ended March 31,
	2012		2011
Walmart	65	%	60	%
Three other largest retail distributors, as a group	20	%	16	%



	Three Months Ended March 31,
	2012		2011
Concentration of GPR cards activated (in units)	89	%	71	%
Concentration of sales of cash transfer products (in units)	90	%	91	%

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 sheet:



	March 31, 2012		December 31, 2011
Walmart	34	%	33	%
Three other largest retail distributors, as a group	36	%	39	%

- Definition

Tabular disclosure of the nature of a concentration, a benchmark to which it is compared, and the percentage that the risk is to the benchmark.

+ References + Details

Organization Acquisitions (Details) - USD ($) $ in Millions	3 Months Ended
Organization Acquisitions (Details) - USD ($) $ in Millions	Dec. 31, 2011	Mar. 31, 2012
Loopt, Inc. [Member]
Business Acquisition [Line Items]
Cash paid for acquisitions		$ 33.6
Retention-based incentives		$ 9.8
Bonneville Bancorp [Member]
Business Acquisition [Line Items]
Cash paid for acquisitions	$ 15.7
Cash contributed to Green Dot Bank	$ 14.3

Summary of Significant Accounting Policies (Details)	3 Months Ended
Summary of Significant Accounting Policies (Details)	Mar. 31, 2012	Dec. 31, 2011
Change in Estimate [Line Items]
GPR average card lifetime	8 months	9 months
Maximum [Member]
Change in Estimate [Line Items]
GPR average card lifetime analysis period	30 months	42 months

Investment Securities Gross Gains and Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 138,045	$ 31,163
Gross unrealized gains	88	53
Gross unrealized losses	(73)	(6)
Fair value	138,060	31,210
Corporate bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	33,133	16,307
Gross unrealized gains	65	27
Gross unrealized losses	(1)	(1)
Fair value	33,197	16,333
Commercial paper [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	15,252	4,998
Gross unrealized gains	3	1
Gross unrealized losses	0	0
Fair value	15,255	4,999
Negotiable certificate of deposit [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	3,500	3,500
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	3,500	3,500
US treasury notes [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	42,870
Gross unrealized gains	0
Gross unrealized losses	(25)
Fair value	42,845
Agency securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	35,878	3,979
Gross unrealized gains	6	12
Gross unrealized losses	(44)	(4)
Fair value	35,840	3,987
Municipal bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	4,815	2,379
Gross unrealized gains	14	13
Gross unrealized losses	(3)	(1)
Fair value	4,826	$ 2,391
Asset-backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	2,597
Gross unrealized gains	0
Gross unrealized losses	0
Fair value	$ 2,597

Investment Securities Continuous Unrealized Loss (Details) - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Corporate bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	$ 5,597	$ 2,999
Unrealized losses, less than 12 months	(1)	(1)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	5,597	2,999
Total unrealized losses	(1)	(1)
US treasury notes [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	42,845
Unrealized losses, less than 12 months	(25)
Fair value, 12 months or more	0
Unrealized losses, 12 months or more	0
Total fair value	42,845
Total unrealized losses	(25)
Agency securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	26,008	1,663
Unrealized losses, less than 12 months	(44)	(4)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	26,008	1,663
Total unrealized losses	(44)	(4)
Municipal bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	2,642	324
Unrealized losses, less than 12 months	(3)	(1)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	2,642	324
Total unrealized losses	(3)	(1)
Total fixed income securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	77,092	4,986
Unrealized losses, less than 12 months	(73)	(6)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	77,092	4,986
Total unrealized losses	$ (73)	$ (6)

Investment Securities Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Due in one year or less	$ 69,713
Due after one year through five years	65,782
Due after five years through ten years	2,204
Due after ten years	346
Total fixed income securities	138,045
Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]
Due in one year or less	69,744
Due after one year through five years	65,763
Due after five years through ten years	2,205
Due after ten years	348
Total fixed income securities	$ 138,060	$ 31,210

Investment Securities Other-Than-Temporary Impairment (Details) - USD ($)	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Investment Securities [Abstract]
Other-than-temporary impairment losses	$ 0	$ 0

- Definition

The amount by which the fair value of an investment is less than the amortized cost basis or carrying amount of that investment at the balance sheet date and the decline in fair value is deemed to be other than temporary, before considering whether or not such amount is recognized in earnings or other comprehensive income.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 16
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6943989&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 35
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=6956420&loc=d3e25351-111560

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 15C
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 15D
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 16B
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-2/124-2
-Paragraph 22
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Accounts Receivable Accounts receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011	Mar. 31, 2011	Dec. 31, 2010
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Net	$ 51,131	$ 45,454
Account balances due from cardholders [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	21,540	22,139
Allowance for Doubtful Accounts Receivable	(14,482)	(15,309)	$ (14,293)	$ (11,823)
Accounts Receivable, Net	7,058	6,830
Trade receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	10,380	5,574
Allowance for Doubtful Accounts Receivable	(23)	(453)
Accounts Receivable, Net	10,357	5,121
Other receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	4,641	4,691
Receivables due from card issuing banks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	$ 29,075	$ 28,812

Accounts Receivable Reserve for uncollectible overdrawn accounts activity (Details) - Reserve for uncollectibe overdrawn accounts [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Uncollectible Overdrawn Accounts [Roll Forward]
Balance, beginning of period	$ 15,309	$ 11,823
Fees	12,489	12,055
Purchase transactions	746	1,343
Charge-offs	(14,062)	(10,928)
Balance, end of period	$ 14,482	$ 14,293

Loans Loan Summary (Details) - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	$ 695	$ 2
60-89 days past due	0	0
90 days or more past due	12	0
Past due 30 days or more	707	2
Current or less than 30 days past due	7,726	9,235
Purchased credit-impaired loans	726	799
Total outstanding	$ 9,159	$ 10,036
Percentage outstanding, 30-59 days past due	7.59%	0.02%
Percentage outstanding, 60-89 days past due	0.00%	0.00%
Percentage outstanding, 90 days or more past due	0.13%	0.00%
Percentage outstanding, total past due 30 days more	7.72%	0.02%
Percentage outstanding, current or less than 30 days past due	84.35%	92.02%
Percentage outstanding, purchase credit-impaired loans	7.93%	7.96%
Percentage oustanding	100.00%	100.00%
Allowance for loan losses	$ 0	$ 0
Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	569	0
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	569	0
Current or less than 30 days past due	4,024	4,983
Purchased credit-impaired loans	503	503
Total outstanding	5,096	5,486
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	118	2
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	118	2
Current or less than 30 days past due	1,012	1,371
Purchased credit-impaired loans	8	44
Total outstanding	1,138	1,417
Installment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	8	0
60-89 days past due	0	0
90 days or more past due	12	0
Past due 30 days or more	20	0
Current or less than 30 days past due	2,690	2,881
Purchased credit-impaired loans	215	252
Total outstanding	$ 2,925	$ 3,133

Loans Loans with Credit Impairment (Details) - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	$ 9,159	$ 10,036
Non-Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	8,649	9,515
Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	510	522
Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	5,096	5,486
Real Estate [Member] \| Non-Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	4,735	5,125
Real Estate [Member] \| Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	361	361
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	1,138	1,417
Commercial [Member] \| Non-Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	1,130	1,407
Commercial [Member] \| Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	8	10
Installment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	2,925	3,133
Installment [Member] \| Non-Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	2,784	2,982
Installment [Member] \| Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans to bank customers	$ 141	$ 151

Loans PCI Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Loans [Abstract]
Unpaid principal balance	$ 1,321	$ 1,506
Carrying value	$ 726	$ 799

Loans Accretable Yield (Details) $ in Thousands	3 Months Ended
Loans Accretable Yield (Details) $ in Thousands	Mar. 31, 2012 USD ($)
Accretable Yield Rollforward [Roll Forward]
Accretable yield	$ 99
Accretion	(25)
Accretable yield	$ 74

Fair Value Measurements (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 0	$ 0
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	138,060	31,210
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	138,060	31,210
Corporate bonds [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Corporate bonds [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	33,197	16,333
Corporate bonds [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Corporate bonds [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	33,197	16,333
Commercial paper [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Commercial paper [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	15,255	4,999
Commercial paper [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Commercial paper [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	15,255	4,999
Negotiable certificate of deposit [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Negotiable certificate of deposit [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	3,500	3,500
Negotiable certificate of deposit [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Negotiable certificate of deposit [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	3,500	3,500
US treasury notes [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
US treasury notes [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	42,845
US treasury notes [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
US treasury notes [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	42,845
Agency securities [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Agency securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	35,840	3,987
Agency securities [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Agency securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	35,840	3,987
Municipal bonds [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Municipal bonds [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	4,826	2,391
Municipal bonds [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Municipal bonds [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	4,826	$ 2,391
Asset-backed securities [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Asset-backed securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,597
Asset-backed securities [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Asset-backed securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 2,597

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2012	Dec. 31, 2011
Fair Value Disclosures [Abstract]
Loans to bank customers - amortized cost	$ 9,159	$ 10,036
Loans to bank customers - fair value	9,058	10,036
Deposits - amortized cost	39,472	38,957
Deposits - fair value	$ 39,532	$ 38,957

Goodwill Goodwill (Details) $ in Thousands	3 Months Ended
Goodwill Goodwill (Details) $ in Thousands	Mar. 31, 2012 USD ($)
Goodwill [Roll Forward]
Goodwill, beginning of period	$ 10,817
Addition from acquisition	30,664
Goodwill, end of period	$ 41,481

- Definition

Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 45
-Subparagraph e
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 43
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 68
-Subparagraph l
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6388280&loc=d3e13770-109266

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6905597&loc=d3e13816-109267

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 72
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 45
-Subparagraph e
-Clause 1
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 34
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Income Taxes Effective Tax Rate Reconcilion (Details)	3 Months Ended
Income Taxes Effective Tax Rate Reconcilion (Details)	Mar. 31, 2012	Mar. 31, 2011
Income Tax Disclosure [Abstract]
U.S. federal statutory tax rate	35.00%	35.00%
State income taxes, net of federal benefit	1.60%	1.40%
Other	1.80%	2.00%
Effective tax rate	38.40%	38.40%

Employee Stock-Based Compensation Grant Summary (Details) shares in Thousands	3 Months Ended
	Mar. 31, 2012 yr $ / shares shares	Mar. 31, 2011 yr $ / shares shares
Stock options [Member]
Grants [Abstract]
Number granted \| shares	506	107
Weighted-average exercise price	$ 29.62	$ 55.52
Weighted-average grant-date fair value	$ 13.86	$ 26.50
Fair value assumptions [Abstract]
Risk-free interest rate	1.05%	2.31%
Expected term (life) of options (in years) \| yr	6.08	6.08
Expected dividends	0.00%	0.00%
Expected volatility	48.50%	47.00%
RSUs [Member]
Grants [Abstract]
Number granted \| shares	40	0
Weighted-average grant-date fair value	$ 30.74	$ 0.00

Employee Stock-Based Compensation Other Figures (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Share-based Compensation [Abstract]
Total stock-based compensation expense	$ 3,489	$ 1,861

Earnings per Common Share Basic Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Basic earnings per common share [Line Items]
Net income	$ 17,116	$ 12,701
Basic net income [Abstract]
Income attributable to preferred stock	(2,772)	0
Class A common stock [Member]
Basic net income [Abstract]
Net income allocated, basic	$ 11,653	$ 5,308
Basic weighted-average shares issued and outstanding [Abstract]
Weighted-average shares issued and outstanding	28,839	17,525
Basic earnings per common share [Abstract]
Basic earnings per Class A common share	$ 0.40	$ 0.30
Class A common stock [Member] \| Class B common stock [Member]
Basic net income [Abstract]
Income attributable to other classes of common stock	$ (2,691)	$ (7,393)
Class B common stock [Member]
Basic net income [Abstract]
Net income allocated, basic	$ 2,113	$ 6,826
Basic weighted-average shares issued and outstanding [Abstract]
Weighted-average shares issued and outstanding	5,230	22,537
Basic earnings per common share [Abstract]
Basic earnings per Class A common share	$ 0.40	$ 0.30
Class B common stock [Member] \| Class A common stock [Member]
Basic net income [Abstract]
Income attributable to other classes of common stock	$ 12,231	$ 5,875

Earnings per Common Share Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Class A common stock [Member]
Diluted net income [Abstract]
Net income allocated, basic	$ 11,653	$ 5,308
Allocated earnings to participating securities, net of re-allocated earnings	2,718	7,143
Re-allocated earnings	(468)	(286)
Diluted net income allocated to common stockholders	$ 13,903	$ 12,165
Diluted weighted-average shares issued and outstanding [Abstract]
Weighted-average shares issued and outstanding	28,839	17,525
Dilutive potential common shares [Abstract]
Class B common stock	7,012	24,945
Diluted weighted-average shares issued and outstanding	35,867	42,481
Diluted earnings per common share [Abstract]
Diluted earnings per common share	$ 0.39	$ 0.29
Class A common stock [Member] \| Stock options [Member]
Dilutive potential common shares [Abstract]
Dilutive share-based payment awards	0	3
Class A common stock [Member] \| Restricted stock units [Member]
Dilutive potential common shares [Abstract]
Dilutive share-based payment awards	7	0
Class A common stock [Member] \| Employee stock purchase plan [Member]
Dilutive potential common shares [Abstract]
Dilutive share-based payment awards	9	8
Class B common stock [Member]
Diluted net income [Abstract]
Net income allocated, basic	$ 2,113	$ 6,826
Re-allocated earnings	605	317
Diluted net income allocated to common stockholders	$ 2,718	$ 7,143
Diluted weighted-average shares issued and outstanding [Abstract]
Weighted-average shares issued and outstanding	5,230	22,537
Dilutive potential common shares [Abstract]
Diluted weighted-average shares issued and outstanding	7,012	24,945
Diluted earnings per common share [Abstract]
Diluted earnings per common share	$ 0.39	$ 0.29
Class B common stock [Member] \| Stock options [Member]
Dilutive potential common shares [Abstract]
Dilutive share-based payment awards	1,782	2,408

Earnings per Common Share Antidilutive Shares (Details) - shares shares in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Class A common stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	7,459	65
Class A common stock [Member] \| Stock options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	596	65
Class A common stock [Member] \| Restricted stock units [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	4	0
Class A common stock [Member] \| Convertible preferred stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	6,859
Class B common stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	19	0
Class B common stock [Member] \| Stock options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	19	0
Class B common stock [Member] \| Convertible preferred stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	0	0

- Definition

Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 13, 14
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 171
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 40
-Subparagraph c
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Diluted Earnings Per Share
-URI http://asc.fasb.org/extlink&oid=6510752

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Contingent Stock Agreement
-URI http://asc.fasb.org/extlink&oid=6508534

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Antidilution
-URI http://asc.fasb.org/extlink&oid=6505113

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Earnings per Common Share Other (Details)	Mar. 31, 2012 shares
Earnings Per Share [Abstract]
Unvested warrant	4,283,456

Significant Customer Concentrations (Details) - Customer Concentration Risk [Member]	Mar. 31, 2012	Mar. 31, 2011
Total Operating Revenues [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	64.00%	58.00%
Total Operating Revenues [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	20.00%	17.00%
Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	65.00%	60.00%
Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	20.00%	16.00%
GPR Cards Activated (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	89.00%	71.00%
Sales of Cash Transfer Products (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	90.00%	91.00%
Settlement Assets [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	34.00%	33.00%
Settlement Assets [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	36.00%	39.00%

Significant Customer Concentrations Stock-Based Retailer Incentive Compensation (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Significant Customer Concentrations [Abstract]
Stock-based retailer incentive compensation	$ 3,190	$ 5,880