View Filing Data

Print Document View Excel Document

Document And Entity Information Document - shares	6 Months Ended
Document And Entity Information Document - shares	Jun. 30, 2014	Jul. 31, 2014
Document and Entity Information [Abstract]
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	Jun. 30, 2014
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Common Stock, Shares Outstanding		40,119,261

Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Current assets:
Unrestricted cash and cash equivalents	$ 679,519	$ 423,498
Federal funds sold	492	123
Restricted cash	3,841	0
Investment securities available-for-sale, at fair value	92,158	116,159
Settlement assets	63,863	37,004
Accounts receivable, net	33,488	46,384
Prepaid expenses and other assets	24,366	27,332
Income tax receivable	1,617	15,573
Total current assets	899,344	666,073
Restricted cash	2,287	2,970
Investment securities, available-for-sale, at fair value	78,237	82,585
Accounts receivable, net	74	5,913
Loans to bank customers, net of allowance for loan losses of $414 and $464 as of June 30, 2014 and December 31, 2013, respectively	6,680	6,902
Prepaid expenses and other assets	2,434	1,081
Property and equipment, net	61,339	60,473
Deferred expenses	9,067	15,439
Net deferred tax assets	3,304	3,362
Goodwill and intangible assets	51,055	30,676
Total assets	1,113,821	875,474
Current liabilities:
Accounts payable	19,902	34,940
Deposits	459,594	219,580
Obligations to customers	79,391	65,449
Settlement obligations	4,063	4,839
Amounts due to card issuing banks for overdrawn accounts	539	49,930
Other accrued liabilities	48,334	35,878
Deferred revenue	14,173	24,517
Net deferred tax liabilities	3,716	3,716
Total current liabilities	629,712	438,849
Other accrued liabilities	31,865	34,076
Deferred revenue	250	300
Total liabilities	661,827	473,225
Stockholders’ equity:
Additional paid-in capital	219,258	199,251
Retained earnings	232,648	203,000
Accumulated other comprehensive income (loss)	43	(47)
Total stockholders’ equity	451,994	402,249
Total liabilities and stockholders’ equity	1,113,821	875,474
Convertible Series A preferred stock [Member]
Stockholders’ equity:
Convertible Series A preferred stock, $0.001 par value (as converted): 10 shares authorized as of June 30, 2014 and December 31, 2013; 5 and 7 shares issued and outstanding as of June 30, 2014 and December 31, 2013, respectively	5	7
Common Class A [Member]
Stockholders’ equity:
Class A common stock, $0.001 par value: 100,000 shares authorized as of June 30, 2014 and December 31, 2013; 40,053 and 37,729 shares issued and outstanding as of June 30, 2014 and December 31, 2013, respectively	$ 40	$ 38

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Allowance For Loan Losses	$ 414	$ 464
Convertible Series A preferred stock [Member]
Convertible Series A Preferred Stock, par value	$ 0.001	$ 0.001
Convertible Series A Preferred Stock, shares authorized	10,000	10,000
Convertible Series A Preferred Stock, Shares Issued	5,000	7,000
Convertible Series A Preferred Stock, Shares Outstanding	5,000	7,000
Common Class A [Member]
Common stock, par value	$ 0.001	$ 0.001
Common stock, shares authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	40,053,000	37,729,000
Common stock, shares outstanding	40,053,000	37,729,000

Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Operating revenues:
Card revenues and other fees	$ 60,892	$ 55,029	$ 129,059	$ 119,697
Cash transfer revenues	45,491	45,633	91,767	89,968
Interchange revenues	42,655	41,913	89,869	88,669
Stock-based retailer incentive compensation	(2,022)	(1,967)	(4,410)	(3,576)
Total operating revenues	147,016	140,608	306,285	294,758
Total operating revenues
Sales and marketing expenses	57,200	51,680	117,443	107,857
Compensation and benefits expenses	30,215	31,200	57,178	62,954
Processing expenses	17,285	19,948	39,364	41,947
Other general and administrative expenses	20,584	20,425	46,908	41,305
Total operating expenses	125,284	123,253	260,893	254,063
Operating income	21,732	17,355	45,392	40,695
Interest income	1,039	855	2,016	1,674
Interest expense	(29)	(16)	(45)	(33)
Income before income taxes	22,742	18,194	47,363	42,336
Income tax expense	8,399	6,890	17,715	15,445
Net income	14,343	11,304	29,648	26,891
Income attributable to preferred stock	(1,703)	(1,798)	(3,966)	(4,289)
Net income allocated to common stockholders	$ 12,640	$ 9,506	$ 25,682	$ 22,602
Basic earnings per common share:	$ 0.32	$ 0.26
Diluted earnings per common share:	$ 0.31	$ 0.25	$ 0.64	$ 0.61
Basic weighted-average common shares issued and outstanding:	39,394	35,380	38,433	35,214
Diluted weighted-average common shares issued and outstanding:	40,052	36,686	39,466	36,458
Common Class A [Member]
Total operating revenues
Basic earnings per common share:			$ 0.66	$ 0.63
Basic weighted-average common shares issued and outstanding:	39,394	35,380	38,433	35,214

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Statement of Comprehensive Income [Abstract]
Net Income	$ 14,343	$ 11,304	$ 29,648	$ 26,891
Other comprehensive income
Unrealized holding gains (losses), net of tax	53	(137)	90	(139)
Comprehensive income	$ 14,396	$ 11,167	$ 29,738	$ 26,752

- 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 Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: 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=31042434&loc=d3e3602-108585

Reference 3: 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 4: 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 5: 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=26872669&loc=d3e20235-122688

Reference 6: 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 7: 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 8: 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=28358780&loc=d3e565-108580

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 19
-Article 5

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9

+ Details

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
Operating activities
Net Income	$ 29,648	$ 26,891
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	15,557	13,003
Provision for uncollectible overdrawn accounts	16,059	28,555
Employee stock-based compensation	8,686	6,509
Stock-based retailer incentive compensation	4,410	3,576
Amortization of premium on available-for-sale investment securities	538	277
Realized gains on investment securities	(29)	(11)
Recovery for uncollectible trade receivables	(20)	1
Impairment of capitalized software	0	1,156
Deferred income tax expense	0	189
Excess tax benefits from exercise of options	(3,563)	(847)
Changes in operating assets and liabilities:
Accounts receivable, net	3,458	(29,331)
Prepaid expenses and other assets	1,983	17,042
Deferred expenses	6,372	4,788
Accounts payable and other accrued liabilities	(16,328)	2,203
Amounts due to card issuing banks for overdrawn accounts	(49,391)	1,415
Deferred revenue	(10,394)	(2,733)
Income tax receivable	17,523	14,437
Net cash provided by operating activities	24,509	87,120
Investing activities
Purchases of available-for-sale investment securities	(93,388)	(110,112)
Proceeds from maturities of available-for-sale securities	83,263	82,062
Proceeds from sales of available-for-sale securities	38,109	38,879
Increase in restricted cash	(601)	(3)
Payments for acquisition of property and equipment	(14,096)	(17,013)
Net principal collections on loans	222	326
Acquisition, net of cash acquired	(14,860)	0
Net cash used in investing activities	(1,351)	(5,861)
Financing activities
Proceeds from exercise of options	3,348	2,420
Excess tax benefits from exercise of options	3,563	847
Net increase in deposits	240,014	2,908
Net (decrease) increase in obligations to customers	(13,693)	23,004
Net cash provided by financing activities	233,232	29,179
Net increase in unrestricted cash, cash equivalents, and federal funds sold	256,390	110,438
Unrestricted cash, cash equivalents, and federal funds sold, beginning of year	423,621	296,591
Unrestricted cash, cash equivalents, and federal funds sold, end of period	680,011	407,029
Cash paid for interest	46	34
Cash paid for income taxes	$ 219	$ 818

Organization	6 Months Ended
Organization	Jun. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization	Organization Green Dot Corporation (“we,” “us” and “our” refer to Green Dot Corporation and its wholly-owned subsidiaries) is a bank holding company with a mission to reinvent personal banking for the masses. Our prepaid products and services are available in more than 90,000 retail stores nationwide and online at Greendot.com. 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; 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; and GoBank, an innovative checking account developed for use via mobile phones. GoBank is available online at GoBank.com and via the Apple App Store and Google Play. 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 products and 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 our wholly-owned subsidiary, Green Dot Bank and third-party issuing banks including The Bancorp Bank, Sunrise Banks, N.A., and prior to February 2014, GE Capital Retail 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, and Dollar Tree, and with various industry resellers, such as Blackhawk Network and Incomm. We refer to participating retailers collectively as our “retail distributors.” We completed a business acquisition during the six months ended June 30, 2014 which was not material to our consolidated financial statements. The aggregate cash consideration paid, net of cash acquired, was $14.9 million. Of the total consideration transferred, we allocated $3.3 million to goodwill and $17.4 million to acquired intangible assets. The intangible assets acquired will be amortized over their estimated useful lives of approximately 10 years.

- 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 FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2134480

Reference 2: 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 3: 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 4: 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 5: 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=28200181&loc=SL6228881-111685

Reference 6: 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 7: 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 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 205
-SubTopic 10
-Section 45
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=7668296&loc=d3e288-107754

Reference 10: 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 11: 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=18733093&loc=d3e5614-111684

Reference 12: 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

+ Details

Summary of Significant Accounting Policies	6 Months Ended
Summary of Significant Accounting Policies	Jun. 30, 2014
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	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, 2013 for additional disclosures, including a summary of our significant accounting policies. There have been no changes to our significant accounting policies during the six months ended June 30, 2014. 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 six months ended June 30, 2014 are not necessarily indicative of future results. Recent Accounting Pronouncements In January 2014, the FASB issued ASU No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (ASU 2014-04), which intends to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized. ASU 2014-04 is effective for annual periods, and interim periods within those annual periods beginning after December 15, 2014. We will adopt this standard effective January 1, 2015. Our adoption of ASU 2014-14 is not expected to have a material impact on our consolidated financial statements. In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (ASU 2014-09), which supersedes nearly all existing revenue recognition guidance under U.S. GAAP. The core principle of ASU 2014-09 is to recognize revenues when promised goods or services are transferred to customers in an amount that reflects the consideration to which an entity expects to be entitled for those goods or services. ASU 2014-09 defines a five step process to achieve this core principle and, in doing so, more judgment and estimates may be required within the revenue recognition process than are required under existing U.S. GAAP. Note 2—Summary of Significant Accounting Policies (continued) The standard is effective for annual periods beginning after December 15, 2016, and interim periods therein, using either of the following transition methods: (i) a full retrospective approach reflecting the application of the standard in each prior reporting period with the option to elect certain practical expedients, or (ii) a retrospective approach with the cumulative effect of initially adopting ASU 2014-09 recognized at the date of adoption (which includes additional footnote disclosures). We are currently evaluating the impact of our pending adoption of ASU 2014-09 on our consolidated financial statements and have not yet determined the method by which we will adopt the standard in 2017.

Investment Securities

6 Months Ended

Jun. 30, 2014

Investments, Debt and Equity Securities [Abstract]

Investment Securities

Our available-for-sale investment securities were as follows:



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
	(In thousands)
June 30, 2014
Corporate bonds	$	48,166	$	60	$	—		$	48,226
Commercial paper	28,625		8		—			28,633
Negotiable certificate of deposit	4,400		1		—			4,401
U.S. Treasury notes	8,696		13		—			8,709
Agency securities	9,998		8		—			10,006
Mortgage-backed securities	32,061		39		(105		)	31,995
Municipal bonds	12,804		24		(1		)	12,827
Asset-backed securities	25,576		22		—			25,598
Total investment securities	$	170,326	$	175	$	(106	)	$	170,395

December 31, 2013
Corporate bonds	$	70,965	$	45	$	(13	)	$	70,997
Commercial paper	49,307		15		(1		)	49,321
Negotiable certificate of deposit	4,400		3		—			4,403
U.S. Treasury notes	14,265		14		(1		)	14,278
Agency securities	14,946		13		—			14,959
Mortgage-backed securities	4,169		—		(168		)	4,001
Municipal bonds	19,017		28		(14		)	19,031
Asset-backed securities	21,750		9		(5		)	21,754
Total investment securities	$	198,819	$	127	$	(202	)	$	198,744

Note 3 — Investment Securities (continued)

As of June 30, 2014 and December 31, 2013, 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)
June 30, 2014
Corporate bonds	$	—	$	—		$	—	$	—		$	—	$	—
Commercial paper	—		—			—		—			—		—
U.S. Treasury notes	—		—			—		—			—		—
Mortgage-backed securities	7,059		(41		)	1,550		(64		)	8,609		(105		)
Municipal bonds	4,483		(1		)	—		—			4,483		(1		)
Asset-backed securities	—		—			—		—			$	—	$	—
Total investment securities	$	11,542	$	(42	)	$	1,550	$	(64	)	$	13,092	$	(106	)

December 31, 2013
Corporate bonds	$	24,104	$	(13	)	$	—	$	—		$	24,104	$	(13	)
Commercial paper	4,490		(1		)	—		—			4,490		(1		)
U.S. Treasury notes	5,212		(1		)	—		—			5,212		(1		)
Mortgage-backed securities	4,002		(168		)	—		—			4,002		(168		)
Municipal bonds	8,546		(14		)	—		—			8,546		(14		)
Asset-backed securities	11,797		(5		)	—		—			11,797		(5		)
Total investment securities	$	58,151	$	(202	)	$	—	$	—		$	58,151	$	(202	)

We did not record any other-than-temporary impairment losses during the three and six months ended June 30, 2014 or 2013 on our available-for-sale investment securities. We do not intend to sell these investments and we have determined that it is more likely than not that we will not be required to sell these investments before recovery of their amortized cost bases, which may be at maturity.

As of June 30, 2014, 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	$	92,096	$	92,158
Due after one year through five years	23,778		23,828
Due after five years through ten years	342		345
Due after ten years	—		—
Mortgage and asset-backed securities	54,110		54,064
Total investment securities	$	170,326	$	170,395

The expected payments on mortgage-backed and asset-backed securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations.

Accounts Receivable

6 Months Ended

Jun. 30, 2014

Receivables [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	June 30, 2014			December 31, 2013
	(In thousands)
Overdrawn account balances due from cardholders	$	12,064		$	14,749
Reserve for uncollectible overdrawn accounts	(8,555		)	(10,363		)
Net overdrawn account balances due from cardholders	3,509			4,386

Trade receivables	11,001			4,302
Reserve for uncollectible trade receivables	(22		)	(42		)
Net trade receivables	10,979			4,260

Receivables due from card issuing banks	18,044			42,137
Other receivables	1,030			1,514
Accounts receivable, net	$	33,562		$	52,297

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



	Three Months Ended June 30,						Six Months Ended June 30,
	2014			2013			2014			2013
	(In thousands)
Balance, beginning of period	$	9,165		$	15,424		$	10,363		$	15,677
Provision for uncollectible overdrawn accounts:
Fees	6,663			12,489			14,403			27,156
Purchase transactions	906			596			1,656			1,399
Charge-offs	(8,179		)	(15,260		)	(17,867		)	(30,983		)
Balance, end of period	$	8,555		$	13,249		$	8,555		$	13,249

Loans to Bank Customers

The following table presents total outstanding loans, gross of the related allowance for loan losses, and a summary of the related payment status:



	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Total Outstanding
	(In thousands)
June 30, 2014
Real estate	$	—		$	—		$	—		$	—		$	3,262		$	3,262
Commercial	—			—			—			—			1,049			1,049
Installment	5			—			—			5			2,778			2,783
Total loans	$	5		$	—		$	—		$	5		$	7,089		$	7,094

Percentage of outstanding	0.1		%	—		%	—		%	0.1		%	99.9		%	100.0		%

December 31, 2013
Real estate	$	—		$	—		$	11		$	11		$	3,372		$	3,383
Commercial	—			—			—			—			1,474			1,474
Installment	—			—			3			3			2,506			2,509
Total loans	$	—		$	—		$	14		$	14		$	7,352		$	7,366

Percentage of outstanding	—		%	—		%	0.2		%	0.2		%	99.8		%	100.0		%

Note 5—Loans to Bank Customers (continued)

Nonperforming Loans

The following table presents the carrying value, gross of the related allowance for loan losses, of our nonperforming loans, other than purchased credit impaired, or PCI loans. See Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2013 for further information on the criteria for classification as nonperforming.



	June 30, 2014		December 31, 2013
	(In thousands)
Real estate	$	15	$	117
Commercial	68		106
Installment	253		250
Total loans	$	336	$	473

Credit Quality Indicators

We closely monitor and assess the credit quality and credit risk of our loan portfolio on an ongoing basis. We continuously review and update loan risk classifications. We evaluate our loans using non-classified or classified as the primary credit quality indicator. Classified loans are those loans that have demonstrated credit weakness where we believe there is a heightened risk of principal loss, including all impaired loans. Classified loans are generally internally categorized as substandard, doubtful or loss, consistent with regulatory guidelines.

The table below presents the carrying value, gross of the related allowance for loan losses, of our loans within the primary credit quality indicators related to our loan portfolio:



	June 30, 2014				December 31, 2013
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Real estate	$	3,100	$	162	$	3,003	$	380
Commercial	982		67		1,323		151
Installment	2,263		520		2,058		451
Total loans	$	6,345	$	749	$	6,384	$	982

Impaired Loans and Troubled Debt Restructurings

When, for economic or legal reasons related to a borrower’s financial difficulties, we grant a concession for other than an insignificant period of time to a borrower that we would not otherwise consider, the related loan is classified as a Troubled Debt Restructuring, or TDR. Our TDR modifications involve an extension of the maturity date at a stated interest rate lower than the current market rate for new debt with similar risk. The following table presents our impaired loans and loans that we modified in TDRs as of June 30, 2014 and December 31, 2013:



	June 30, 2014				December 31, 2013
	Unpaid Principal Balance		Carrying Value		Unpaid Principal Balance		Carrying Value
	(In thousands)
Real estate	$	100	$	15	$	194	$	117
Commercial	317		68		344		106
Installment	388		253		500		250

Note 5—Loans to Bank Customers (continued)

Allowance for Loan Losses

Activity in the allowance for loan losses consisted of the following:



	Three Months Ended June 30,					Six Months Ended June 30,
	2014			2013		2014			2013
	(In thousands)
Balance, beginning of period	$	435		$	450	$	464		$	475
Provision for loans	—			—		—			10
Loans charged off	(27		)	—		(60		)	(35		)
Recoveries of loans previously charged off	6			10		10			10
Balance, end of period	$	414		$	460	$	414		$	460

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References + Details

Loans to Bank Customers

6 Months Ended

Jun. 30, 2014

Loans and Leases Receivable Disclosure [Abstract]

Loans to Bank Customers

Accounts Receivable

Accounts receivable, net consisted of the following:



	June 30, 2014			December 31, 2013
	(In thousands)
Overdrawn account balances due from cardholders	$	12,064		$	14,749
Reserve for uncollectible overdrawn accounts	(8,555		)	(10,363		)
Net overdrawn account balances due from cardholders	3,509			4,386

Trade receivables	11,001			4,302
Reserve for uncollectible trade receivables	(22		)	(42		)
Net trade receivables	10,979			4,260

Receivables due from card issuing banks	18,044			42,137
Other receivables	1,030			1,514
Accounts receivable, net	$	33,562		$	52,297

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



	Three Months Ended June 30,						Six Months Ended June 30,
	2014			2013			2014			2013
	(In thousands)
Balance, beginning of period	$	9,165		$	15,424		$	10,363		$	15,677
Provision for uncollectible overdrawn accounts:
Fees	6,663			12,489			14,403			27,156
Purchase transactions	906			596			1,656			1,399
Charge-offs	(8,179		)	(15,260		)	(17,867		)	(30,983		)
Balance, end of period	$	8,555		$	13,249		$	8,555		$	13,249

Loans to Bank Customers

The following table presents total outstanding loans, gross of the related allowance for loan losses, and a summary of the related payment status:



	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Total Outstanding
	(In thousands)
June 30, 2014
Real estate	$	—		$	—		$	—		$	—		$	3,262		$	3,262
Commercial	—			—			—			—			1,049			1,049
Installment	5			—			—			5			2,778			2,783
Total loans	$	5		$	—		$	—		$	5		$	7,089		$	7,094

Percentage of outstanding	0.1		%	—		%	—		%	0.1		%	99.9		%	100.0		%

December 31, 2013
Real estate	$	—		$	—		$	11		$	11		$	3,372		$	3,383
Commercial	—			—			—			—			1,474			1,474
Installment	—			—			3			3			2,506			2,509
Total loans	$	—		$	—		$	14		$	14		$	7,352		$	7,366

Percentage of outstanding	—		%	—		%	0.2		%	0.2		%	99.8		%	100.0		%

Note 5—Loans to Bank Customers (continued)

Nonperforming Loans



	June 30, 2014		December 31, 2013
	(In thousands)
Real estate	$	15	$	117
Commercial	68		106
Installment	253		250
Total loans	$	336	$	473

Credit Quality Indicators

The table below presents the carrying value, gross of the related allowance for loan losses, of our loans within the primary credit quality indicators related to our loan portfolio:



	June 30, 2014				December 31, 2013
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Real estate	$	3,100	$	162	$	3,003	$	380
Commercial	982		67		1,323		151
Installment	2,263		520		2,058		451
Total loans	$	6,345	$	749	$	6,384	$	982

Impaired Loans and Troubled Debt Restructurings



	June 30, 2014				December 31, 2013
	Unpaid Principal Balance		Carrying Value		Unpaid Principal Balance		Carrying Value
	(In thousands)
Real estate	$	100	$	15	$	194	$	117
Commercial	317		68		344		106
Installment	388		253		500		250

Note 5—Loans to Bank Customers (continued)

Allowance for Loan Losses

Activity in the allowance for loan losses consisted of the following:



	Three Months Ended June 30,					Six Months Ended June 30,
	2014			2013		2014			2013
	(In thousands)
Balance, beginning of period	$	435		$	450	$	464		$	475
Provision for loans	—			—		—			10
Loans charged off	(27		)	—		(60		)	(35		)
Recoveries of loans previously charged off	6			10		10			10
Balance, end of period	$	414		$	460	$	414		$	460

- Definition

+ References + Details

Employee Stock-Based Compensation

6 Months Ended

Jun. 30, 2014

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Employee Stock-Based Compensation

We currently grant stock options and restricted stock units to employees and directors under our 2010 Equity Incentive Plan. Additionally, through our 2010 Employee Stock Purchase Plan, employees are able to purchase shares of our Class A common stock at a discount through payroll deductions. We have reserved shares of our Class A common stock for issuance under these plans.

The following table summarizes stock options and restricted stock units granted under our 2010 Equity Incentive Plan:



	Six Months Ended June 30,
	2014		2013
	(In thousands, except per share data)
Stock options granted	106		1,588
Weighted-average exercise price	$	20.92	$	16.57
Weighted-average grant-date fair value	$	9.52	$	5.55

Restricted stock units granted	452		497
Weighted-average grant-date fair value	$	19.09	$	16.55

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



	Six Months Ended June 30,
	2014		2013
Risk-free interest rate	1.8	%	0.9	%
Expected term (life) of options (in years)	5.79		5.49
Expected dividends	—		—
Expected volatility	47.3	%	43.7	%

The total stock-based compensation expense recognized was $4.7 million and $8.7 million for the three and six months ended June 30, 2014, respectively, and $3.6 million and $6.5 million for the three and six months ended June 30, 2013, respectively. Total stock-based compensation expense includes amounts related to awards of stock options and restricted stock units and purchases under our 2010 Employee Stock Purchase Plan.

Deposits

6 Months Ended

Jun. 30, 2014

Deposits [Abstract]

Deposits

In February 2014, we completed the transition of all outstanding customer deposits associated with our GPR card program with GE Capital Retail Bank to Green Dot Bank. The total funds transferred to Green Dot Bank were approximately $260 million and are now classified as deposits on our consolidated balance sheet and are included as "GPR deposits" within non-interest bearing deposit accounts below. In conjunction with this transition, we made a payment of approximately $50 million to GE Capital Retail Bank to settle our liability associated with overdrawn cardholder account balances, which, as of December 31, 2013, was included in our consolidated balance sheet as "amounts due to card issuing banks for overdrawn accounts."

Note 7—Deposits (continued)

Deposits were categorized as non-interest or interest-bearing deposits as follows:



	June 30, 2014		December 31, 2013
	(In thousands)
Non-interest bearing deposit accounts
GPR deposits	$	427,624	$	204,171
Other demand deposits	15,949		—
Total non-interest bearing deposit accounts	443,573		204,171
Interest-bearing deposit accounts
Negotiable order of withdrawal (NOW)	1,324		1,401
Savings	6,984		6,410
Time deposits, denominations greater than or equal to $100	5,749		5,310
Time deposits, denominations less than $100	1,964		2,288
Total interest-bearing deposit accounts	16,021		15,409
Total deposits	$	459,594	$	219,580

The scheduled contractual maturities for total time deposits are presented in the table below:



	June 30, 2014
	(In thousands)
Due in 2014	$	1,826
Due in 2015	3,360
Due in 2016	1,177
Due in 2017	748
Due in 2018	47
Thereafter	555
Total time deposits	$	7,713

Income Taxes

6 Months Ended

Jun. 30, 2014

Income Tax Disclosure [Abstract]

Income Taxes

Income tax expense for the six months ended June 30, 2014 and 2013 differs from the amount computed by applying the statutory federal income tax rate to income before income taxes. The sources and tax effects of the differences are as follows:



	Six Months Ended June 30,
	2014		2013
U.S. federal statutory tax rate	35.0	%	35.0	%
State income taxes, net of federal tax benefit	1.8		1.9
General business credits	(1.1	)	(2.6	)
Employee stock-based compensation	1.1		2.0
Other	0.6		0.2
Effective tax rate	37.4	%	36.5	%

The effective tax rate for the
six months ended June 30, 2014 and 2013 differs from the expected statutory federal income tax rate of 35% primarily due to state income taxes, net of federal tax benefit, general business credits and non-deductible employee stock based compensation. The increase in the effective tax rates for the six months ended June 30, 2014 as compared to the six months ended June 30, 2013 is primarily attributable to the expiration of general business credits on December 31, 2013. Additionally, we recognized a discrete benefit in the six months ended June 30, 2013 related to the reinstatement of 2012 general business credits.

We establish a valuation allowance when we consider it more-likely-than-not that some portion or all of the deferred tax assets will not be realized. As of June 30, 2014, we did not have a valuation allowance on any of our deferred tax assets as we believed it was more-likely-than-not that we would realize the benefits of our deferred tax assets.

Note 8—Income Taxes (continued)

We are subject to examination by the Internal Revenue Service, or IRS, and various state tax authorities. Our consolidated federal income tax returns for the five-months ended December 31, 2009 and the years ended December 31, 2010 and 2011 are currently under examination by the IRS. We remain subject to examination of our federal income tax return for the year ended December 31, 2012. We generally remain subject to examination of our various state income tax returns for a period of four to five years from the respective dates the returns were filed.

As of June 30, 2014, we have net operating loss carryforwards of approximately $29.7 million and $28.4 million for federal and state tax purposes, respectively, which will be available to offset future income. If not used, these carryforwards will expire between 2025 and 2031. In addition, we have state business tax credits of approximately $1.2 million that will expire between 2028 and 2033 and other state business tax credits of approximately $1.1 million that can be carried forward indefinitely. Certain limitations may be placed on net operating loss carryforwards as a result of changes in control as defined in Section 382 of the Internal Revenue Code. In the event a change in control occurs, it will have the effect of limiting the annual usage of the operating loss carryforwards.

As of June 30, 2014 and 2013, we had a liability of $4.4 million and $2.7 million, respectively, for unrecognized tax benefits related to various federal and state income tax matters excluding interest, penalties and related tax benefits. The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is as follows:



	Six Months Ended June 30,
	2014		2013
	(In thousands)
Beginning balance	$	3,724	$	1,481
Increases related to positions taken during prior years	—		500
Increases related to positions taken during the current year	676		741
Ending balance	$	4,400	$	2,722

The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$	4,400	$	2,722

We recognized accrued interest and penalties related to unrecognized tax benefits as of June 30, 2014 of approximately $0.3 million. We did not have accrued interest or penalties related to unrecognized tax benefits as of June 30, 2013.

Shareholders' Equity (Notes)	6 Months Ended
Shareholders' Equity (Notes)	Jun. 30, 2014
Stockholders' Equity Note [Abstract]
Stockholders' Equity	Stockholders’ Equity Non-Employee Stock-Based Payments On March 3, 2009, we entered into a sales and marketing agreement with a third party that contained a contingent warrant feature. The warrant provided the third party with an option to purchase 3,426,765 shares of our common stock at a per share price of $23.70 if certain sales volume or revenue targets were achieved. A further 856,691 shares could have become eligible for purchase under the warrant had either of these targets been achieved and additional specified marketing and promotional activities had taken place. The warrant expired on March 3, 2014 as the third-party did not achieve the specified volume or revenue targets. Convertible Preferred Stock During the six months ended June 30, 2014, 1,491 shares of Series A Convertible Junior Participating Non-Cumulative Perpetual Preferred Stock converted into 1,491,000 shares of Class A Common Stock.

- Definition

The entire disclosure for shareholders' equity comprised of portions attributable to the parent entity and noncontrolling interest, including other comprehensive income. Includes, but is not limited to, balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings, accumulated balance for each classification of other comprehensive income and amount of comprehensive income.

+ References

Reference 1: 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.(d),(e))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21484-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SAB TOPIC 4.E)
-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21488-112644

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 210.5-02.29-31)
-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 505
-SubTopic 10
-Section S99
-Paragraph 4
-Subparagraph (SAB TOPIC 4.C)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187143-122770

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21506-112644

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 30
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23285-112656

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Preferred Stock
-URI http://asc.fasb.org/extlink&oid=6521494

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21564-112644

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph d
-Article 4

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section E

Reference 17: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Article 4

Reference 18: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section C

Reference 19: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

+ Details

Earnings per Common Share

6 Months Ended

Jun. 30, 2014

Earnings Per Share [Abstract]

Earnings per Common Share

In August 2013, the issued and outstanding shares of our Class B Common Stock declined to less than 10% of the aggregate number of issued and outstanding shares of our Class A Common Stock and Class B Common Stock. Pursuant to the terms of Article V of our Certificate of Incorporation, the issued and outstanding shares of our Class B common stock automatically converted into shares of our Class A common stock. Following this automatic conversion, there is now only a single class of our common stock outstanding. For the three and six months ended June 30, 2013, we grouped the components of Class B common stock basic earnings per common share, or EPS, and diluted EPS with Class A common stock, as if they were one class, to conform to the current period presentation. This regrouping did not impact EPS previously reported in this period.

The calculation of basic and diluted EPS was as follows:



	Three Months Ended June 30,						Six Months Ended June 30,
	2014			2013			2014			2013
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	14,343		$	11,304		$	29,648		$	26,891
Income attributable to preferred stock	(1,703		)	(1,798		)	(3,966		)	(4,289		)
Income attributable to common stock subject to repurchase	(138		)	(230		)	(324		)	(583		)
Net income allocated to Class A common stockholders	$	12,502		$	9,276		$	25,358		$	22,019
Weighted-average Class A shares issued and outstanding	39,394			35,380			38,433			35,214
Basic earnings per Class A common share	$	0.32		$	0.26		$	0.66		$	0.63

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	12,502		$	9,276		$	25,358		$	22,019
Re-allocated earnings	26			60			96			137
Diluted net income allocated to Class A common stockholders	12,528			9,336			25,454			22,156
Weighted-average Class A shares issued and outstanding	39,394			35,380			38,433			35,214
Dilutive potential common shares:
Stock options	515			1,099			831			1,090
Restricted stock units	138			205			195			154
Employee stock purchase plan	5			2			7			—
Diluted weighted-average Class A shares issued and outstanding	40,052			36,686			39,466			36,458
Diluted earnings per Class A common share	$	0.31		$	0.25		$	0.64		$	0.61

As of June 30, 2014, 368,052 shares of Class A common stock issued to Walmart were subject to our repurchase right. Basic and diluted EPS for these shares were the same as basic and diluted EPS for our Class A common stock for the three and six months ended June 30, 2014 and June 30, 2013.

For the three and six months ended June 30, 2013, we excluded from the computation of basic EPS all shares issuable under an unvested warrant to purchase 4,283,456 shares of our Class A 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 June 30,		Six Months Ended June 30,
	2014	2013	2014	2013
	(In thousands)
Class A common stock
Options to purchase Class A common stock	673	1,101	608	1,609
Restricted stock units	57	17	35	27
Conversion of convertible preferred stock	5,369	6,859	6,011	6,859
Total options, restricted stock units and convertible preferred stock	6,099	7,977	6,654	8,495

Fair Value Measurements

6 Months Ended

Jun. 30, 2014

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 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2013.

As of June 30, 2014 and December 31, 2013, our assets carried at fair value on a recurring basis were as follows:



	Level 1		Level 2		Level 3		Total Fair Value
June 30, 2014	(In thousands)
Corporate bonds	$	—	$	48,226	$	—	$	48,226
Commercial paper	—		28,633		—		28,633
Negotiable certificate of deposit	—		4,401		—		4,401
U.S. Treasury notes	—		8,709		—		8,709
Agency securities	—		10,006		—		10,006
Mortgage-backed securities	—		31,995		—		31,995
Municipal bonds	—		12,827		—		12,827
Asset-backed securities	—		25,598		—		25,598
Total	$	—	$	170,395	$	—	$	170,395

December 31, 2013
Corporate bonds	$	—	$	70,997	$	—	$	70,997
Commercial paper	—		49,321		—		49,321
Negotiable certificate of deposit	—		4,403		—		4,403
U.S. Treasury notes	—		14,278		—		14,278
Agency securities	—		14,959		—		14,959
Mortgage-backed securities	—		4,001		—		4,001
Municipal bonds	—		19,031		—		19,031
Asset-backed securities	—		21,754		—		21,754
Total	$	—	$	198,744	$	—	$	198,744

We based the fair value of our fixed income securities held as of June 30, 2014 and December 31, 2013 on quoted prices in active markets for similar assets. We had no transfers between Level 1, Level 2 or Level 3 assets during the three and six months ended June 30, 2014 or 2013.

- 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 + Details

Fair Value of Financial Instruments

6 Months Ended

Jun. 30, 2014

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 such instruments are carried at fair value on our consolidated balance sheets.

Short-term Financial Instruments

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

Investment Securities

The fair values of investment securities have been derived using methodologies referenced in Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2013. Under the fair value hierarchy, our investment securities are classified as Level 2.

Note 12—Fair Value of Financial Instruments (continued)

Loans

We determined the fair values of loans by discounting both principal and interest cash flows expected to be collected using a discount rate commensurate with the risk that we believe a market participant would consider in determining fair value. Under the fair value hierarchy, our loans are classified as Level 3.

Deposits

The fair value of demand and interest checking deposits and savings deposits is the amount payable on demand at the reporting date. We determined the fair value of time deposits by discounting expected future cash flows using market-derived rates based on our market yields on certificates of deposit, by maturity, at the measurement date. Under the fair value hierarchy, our deposits are classified as Level 2.

Fair Value of Financial Instruments

The carrying values and fair values of certain financial instruments that were not carried at fair value, excluding short-term financial instruments for which the carrying value approximates fair value, at June 30, 2014 and December 31, 2013 are presented in the table below.



	June 30, 2014				December 31, 2013
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers, net of allowance	$	6,680	$	5,864	$	6,902	$	5,926

Financial Liabilities
Deposits	$	459,594	$	459,531	$	219,580	$	219,534

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

Significant Customer Concentrations

6 Months Ended

Jun. 30, 2014

Risks and Uncertainties [Abstract]

Significant Customer Concentrations

Significant Customer Concentration

A credit concentration may exist if customers are involved in similar industries, economic sectors, and geographic regions. Our retail distributors operate in similar economic sectors but diverse domestic geographic regions. The loss of a significant retail distributor could have a material adverse effect upon our card sales, profitability, and revenue growth.

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



	Three Months Ended June 30,		Six Months Ended June 30,
	2014	2013	2014	2013
Walmart	54%	65%	58%	66%
Three other largest retail distributors, as a group	24%	22%	22%	22%

Excluding stock-based retailer incentive compensation of $2.0 million for the three months ended June 30, 2014 and 2013, and $4.4 million and $3.6 million for the six months ended June 30, 2014 and 2013, 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 June 30,		Six Months Ended June 30,
	2014	2013	2014	2013
Walmart	55%	65%	58%	66%
Three other largest retail distributors, as a group	22%	21%	22%	21%

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 June 30,		Six Months Ended June 30,
	2014	2013	2014	2013
Concentration of GPR cards activated (in units)	71%	85%	72%	84%
Concentration of sales of cash transfer products (in units)	80%	87%	81%	88%

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:



	June 30, 2014	December 31, 2013
Walmart	37%	34%
Three other largest retail distributors, as a group	35%	39%

Other concentrations

At December 31, 2013, the customer funds underlying the Walmart co-branded GPR cards were held by GE Capital Retail Bank. These funds were held in trust for the benefit of the customers, and we had no legal rights to the customer funds. Additionally, we had receivables due from GE Capital Retail Bank that were included in accounts receivable, net, on our consolidated balance sheets.

Summary of Significant Accounting Policies (Policies)	6 Months Ended
Summary of Significant Accounting Policies (Policies)	Jun. 30, 2014
Summary of Significant Accounting Policies [Abstract]
Basis of Presentation	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, 2013 for additional disclosures, including a summary of our significant accounting policies. There have been no changes to our significant accounting policies during the six months ended June 30, 2014. 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 six months ended June 30, 2014 are not necessarily indicative of future results.
New Accounting Pronouncements	Recent Accounting Pronouncements In January 2014, the FASB issued ASU No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (ASU 2014-04), which intends to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized. ASU 2014-04 is effective for annual periods, and interim periods within those annual periods beginning after December 15, 2014. We will adopt this standard effective January 1, 2015. Our adoption of ASU 2014-14 is not expected to have a material impact on our consolidated financial statements.

Investment Securities (Tables)

6 Months Ended

Jun. 30, 2014

Investments, Debt and Equity Securities [Abstract]

Investment securities, available-for-sale

As of June 30, 2014 and December 31, 2013, 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)
June 30, 2014
Corporate bonds	$	—	$	—		$	—	$	—		$	—	$	—
Commercial paper	—		—			—		—			—		—
U.S. Treasury notes	—		—			—		—			—		—
Mortgage-backed securities	7,059		(41		)	1,550		(64		)	8,609		(105		)
Municipal bonds	4,483		(1		)	—		—			4,483		(1		)
Asset-backed securities	—		—			—		—			$	—	$	—
Total investment securities	$	11,542	$	(42	)	$	1,550	$	(64	)	$	13,092	$	(106	)

December 31, 2013
Corporate bonds	$	24,104	$	(13	)	$	—	$	—		$	24,104	$	(13	)
Commercial paper	4,490		(1		)	—		—			4,490		(1		)
U.S. Treasury notes	5,212		(1		)	—		—			5,212		(1		)
Mortgage-backed securities	4,002		(168		)	—		—			4,002		(168		)
Municipal bonds	8,546		(14		)	—		—			8,546		(14		)
Asset-backed securities	11,797		(5		)	—		—			11,797		(5		)
Total investment securities	$	58,151	$	(202	)	$	—	$	—		$	58,151	$	(202	)

Our available-for-sale investment securities were as follows:



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
	(In thousands)
June 30, 2014
Corporate bonds	$	48,166	$	60	$	—		$	48,226
Commercial paper	28,625		8		—			28,633
Negotiable certificate of deposit	4,400		1		—			4,401
U.S. Treasury notes	8,696		13		—			8,709
Agency securities	9,998		8		—			10,006
Mortgage-backed securities	32,061		39		(105		)	31,995
Municipal bonds	12,804		24		(1		)	12,827
Asset-backed securities	25,576		22		—			25,598
Total investment securities	$	170,326	$	175	$	(106	)	$	170,395

December 31, 2013
Corporate bonds	$	70,965	$	45	$	(13	)	$	70,997
Commercial paper	49,307		15		(1		)	49,321
Negotiable certificate of deposit	4,400		3		—			4,403
U.S. Treasury notes	14,265		14		(1		)	14,278
Agency securities	14,946		13		—			14,959
Mortgage-backed securities	4,169		—		(168		)	4,001
Municipal bonds	19,017		28		(14		)	19,031
Asset-backed securities	21,750		9		(5		)	21,754
Total investment securities	$	198,819	$	127	$	(202	)	$	198,744

Investments Classified by Contractual Maturity Date

As of June 30, 2014, 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	$	92,096	$	92,158
Due after one year through five years	23,778		23,828
Due after five years through ten years	342		345
Due after ten years	—		—
Mortgage and asset-backed securities	54,110		54,064
Total investment securities	$	170,326	$	170,395

The expected payments on mortgage-backed and asset-backed securities may not coincide with their contractual maturities because the issuers have the right to call or prepay certain obligations.

- Definition

Tabular disclosure of available-for-sale securities which includes, but is not limited to, changes in the cost basis and fair value, fair value and gross unrealized gain (loss), fair values by type of security, contractual maturity and classification, amortized cost basis, contracts to acquire securities to be accounted for as available-for-sale, debt maturities, transfers to trading, change in net unrealized holding gain (loss) net of tax, continuous unrealized loss position fair value, aggregate losses qualitative disclosures, other than temporary impairment (OTTI) losses or other disclosures related to available for sale securities.

+ References + Details

Accounts Receivable (Tables)

6 Months Ended

Jun. 30, 2014

Receivables [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	June 30, 2014			December 31, 2013
	(In thousands)
Overdrawn account balances due from cardholders	$	12,064		$	14,749
Reserve for uncollectible overdrawn accounts	(8,555		)	(10,363		)
Net overdrawn account balances due from cardholders	3,509			4,386

Trade receivables	11,001			4,302
Reserve for uncollectible trade receivables	(22		)	(42		)
Net trade receivables	10,979			4,260

Receivables due from card issuing banks	18,044			42,137
Other receivables	1,030			1,514
Accounts receivable, net	$	33,562		$	52,297

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



	Three Months Ended June 30,						Six Months Ended June 30,
	2014			2013			2014			2013
	(In thousands)
Balance, beginning of period	$	9,165		$	15,424		$	10,363		$	15,677
Provision for uncollectible overdrawn accounts:
Fees	6,663			12,489			14,403			27,156
Purchase transactions	906			596			1,656			1,399
Charge-offs	(8,179		)	(15,260		)	(17,867		)	(30,983		)
Balance, end of period	$	8,555		$	13,249		$	8,555		$	13,249

Loans to Bank Customers (Tables)

6 Months Ended

Jun. 30, 2014

Loans and Leases Receivable Disclosure [Abstract]

Past Due Financing Receivables

The following table presents total outstanding loans, gross of the related allowance for loan losses, and a summary of the related payment status:



	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Total Outstanding
	(In thousands)
June 30, 2014
Real estate	$	—		$	—		$	—		$	—		$	3,262		$	3,262
Commercial	—			—			—			—			1,049			1,049
Installment	5			—			—			5			2,778			2,783
Total loans	$	5		$	—		$	—		$	5		$	7,089		$	7,094

Percentage of outstanding	0.1		%	—		%	—		%	0.1		%	99.9		%	100.0		%

December 31, 2013
Real estate	$	—		$	—		$	11		$	11		$	3,372		$	3,383
Commercial	—			—			—			—			1,474			1,474
Installment	—			—			3			3			2,506			2,509
Total loans	$	—		$	—		$	14		$	14		$	7,352		$	7,366

Percentage of outstanding	—		%	—		%	0.2		%	0.2		%	99.8		%	100.0		%

Nonperforming Loans



	June 30, 2014		December 31, 2013
	(In thousands)
Real estate	$	15	$	117
Commercial	68		106
Installment	253		250
Total loans	$	336	$	473

Financing Receivable Credit Quality Indicators

The table below presents the carrying value, gross of the related allowance for loan losses, of our loans within the primary credit quality indicators related to our loan portfolio:



	June 30, 2014				December 31, 2013
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Real estate	$	3,100	$	162	$	3,003	$	380
Commercial	982		67		1,323		151
Installment	2,263		520		2,058		451
Total loans	$	6,345	$	749	$	6,384	$	982

Troubled Debt Restructurings

The following table presents our impaired loans and loans that we modified in TDRs as of June 30, 2014 and December 31, 2013:



	June 30, 2014				December 31, 2013
	Unpaid Principal Balance		Carrying Value		Unpaid Principal Balance		Carrying Value
	(In thousands)
Real estate	$	100	$	15	$	194	$	117
Commercial	317		68		344		106
Installment	388		253		500		250

Allowance for Loan Losses

Activity in the allowance for loan losses consisted of the following:



	Three Months Ended June 30,					Six Months Ended June 30,
	2014			2013		2014			2013
	(In thousands)
Balance, beginning of period	$	435		$	450	$	464		$	475
Provision for loans	—			—		—			10
Loans charged off	(27		)	—		(60		)	(35		)
Recoveries of loans previously charged off	6			10		10			10
Balance, end of period	$	414		$	460	$	414		$	460

Employee Stock-Based Compensation (Tables)

6 Months Ended

Jun. 30, 2014

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Stock Options and Restricted Stock Units Activity

The following table summarizes stock options and restricted stock units granted under our 2010 Equity Incentive Plan:



	Six Months Ended June 30,
	2014		2013
	(In thousands, except per share data)
Stock options granted	106		1,588
Weighted-average exercise price	$	20.92	$	16.57
Weighted-average grant-date fair value	$	9.52	$	5.55

Restricted stock units granted	452		497
Weighted-average grant-date fair value	$	19.09	$	16.55

Valuation Assumptions

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



	Six Months Ended June 30,
	2014		2013
Risk-free interest rate	1.8	%	0.9	%
Expected term (life) of options (in years)	5.79		5.49
Expected dividends	—		—
Expected volatility	47.3	%	43.7	%

Deposits (Tables)

6 Months Ended

Jun. 30, 2014

Deposits [Abstract]

Summary of Deposits

Deposits were categorized as non-interest or interest-bearing deposits as follows:



	June 30, 2014		December 31, 2013
	(In thousands)
Non-interest bearing deposit accounts
GPR deposits	$	427,624	$	204,171
Other demand deposits	15,949		—
Total non-interest bearing deposit accounts	443,573		204,171
Interest-bearing deposit accounts
Negotiable order of withdrawal (NOW)	1,324		1,401
Savings	6,984		6,410
Time deposits, denominations greater than or equal to $100	5,749		5,310
Time deposits, denominations less than $100	1,964		2,288
Total interest-bearing deposit accounts	16,021		15,409
Total deposits	$	459,594	$	219,580

Contractual Maturities For Total Time Deposits

The scheduled contractual maturities for total time deposits are presented in the table below:



	June 30, 2014
	(In thousands)
Due in 2014	$	1,826
Due in 2015	3,360
Due in 2016	1,177
Due in 2017	748
Due in 2018	47
Thereafter	555
Total time deposits	$	7,713

The scheduled contractual maturities for total time deposits are presented in the table below:



	June 30, 2014
	(In thousands)
Due in 2014	$	1,826
Due in 2015	3,360
Due in 2016	1,177
Due in 2017	748
Due in 2018	47
Thereafter	555
Total time deposits	$	7,713

Income Taxes (Tables)

6 Months Ended

Jun. 30, 2014

Income Tax Disclosure [Abstract]

Recon of fed tax rate and actual income tax expense



	Six Months Ended June 30,
	2014		2013
U.S. federal statutory tax rate	35.0	%	35.0	%
State income taxes, net of federal tax benefit	1.8		1.9
General business credits	(1.1	)	(2.6	)
Employee stock-based compensation	1.1		2.0
Other	0.6		0.2
Effective tax rate	37.4	%	36.5	%

The effective tax rate for the

Summary of Income Tax Contingencies



	Six Months Ended June 30,
	2014		2013
	(In thousands)
Beginning balance	$	3,724	$	1,481
Increases related to positions taken during prior years	—		500
Increases related to positions taken during the current year	676		741
Ending balance	$	4,400	$	2,722

The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$	4,400	$	2,722

Earnings per Common Share (Tables)

6 Months Ended

Jun. 30, 2014

Earnings Per Share [Abstract]

Earnings Per Common Share

The calculation of basic and diluted EPS was as follows:



	Three Months Ended June 30,						Six Months Ended June 30,
	2014			2013			2014			2013
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	14,343		$	11,304		$	29,648		$	26,891
Income attributable to preferred stock	(1,703		)	(1,798		)	(3,966		)	(4,289		)
Income attributable to common stock subject to repurchase	(138		)	(230		)	(324		)	(583		)
Net income allocated to Class A common stockholders	$	12,502		$	9,276		$	25,358		$	22,019
Weighted-average Class A shares issued and outstanding	39,394			35,380			38,433			35,214
Basic earnings per Class A common share	$	0.32		$	0.26		$	0.66		$	0.63

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	12,502		$	9,276		$	25,358		$	22,019
Re-allocated earnings	26			60			96			137
Diluted net income allocated to Class A common stockholders	12,528			9,336			25,454			22,156
Weighted-average Class A shares issued and outstanding	39,394			35,380			38,433			35,214
Dilutive potential common shares:
Stock options	515			1,099			831			1,090
Restricted stock units	138			205			195			154
Employee stock purchase plan	5			2			7			—
Diluted weighted-average Class A shares issued and outstanding	40,052			36,686			39,466			36,458
Diluted earnings per Class A common share	$	0.31		$	0.25		$	0.64		$	0.61

Antidilutive Shares

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



	Three Months Ended June 30,		Six Months Ended June 30,
	2014	2013	2014	2013
	(In thousands)
Class A common stock
Options to purchase Class A common stock	673	1,101	608	1,609
Restricted stock units	57	17	35	27
Conversion of convertible preferred stock	5,369	6,859	6,011	6,859
Total options, restricted stock units and convertible preferred stock	6,099	7,977	6,654	8,495

Fair Value Measurements (Tables)

6 Months Ended

Jun. 30, 2014

Fair Value Disclosures [Abstract]

Assets Carried at Fair Value on a Recurring Basis

As of June 30, 2014 and December 31, 2013, our assets carried at fair value on a recurring basis were as follows:



	Level 1		Level 2		Level 3		Total Fair Value
June 30, 2014	(In thousands)
Corporate bonds	$	—	$	48,226	$	—	$	48,226
Commercial paper	—		28,633		—		28,633
Negotiable certificate of deposit	—		4,401		—		4,401
U.S. Treasury notes	—		8,709		—		8,709
Agency securities	—		10,006		—		10,006
Mortgage-backed securities	—		31,995		—		31,995
Municipal bonds	—		12,827		—		12,827
Asset-backed securities	—		25,598		—		25,598
Total	$	—	$	170,395	$	—	$	170,395

December 31, 2013
Corporate bonds	$	—	$	70,997	$	—	$	70,997
Commercial paper	—		49,321		—		49,321
Negotiable certificate of deposit	—		4,403		—		4,403
U.S. Treasury notes	—		14,278		—		14,278
Agency securities	—		14,959		—		14,959
Mortgage-backed securities	—		4,001		—		4,001
Municipal bonds	—		19,031		—		19,031
Asset-backed securities	—		21,754		—		21,754
Total	$	—	$	198,744	$	—	$	198,744

Fair Value of Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2014

Fair Value Disclosures [Abstract]

Fair Value of Assets Not Carried at Fair Value



	June 30, 2014				December 31, 2013
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers, net of allowance	$	6,680	$	5,864	$	6,902	$	5,926

Financial Liabilities
Deposits	$	459,594	$	459,531	$	219,580	$	219,534

Significant Customer Concentrations (Tables)

6 Months Ended

Jun. 30, 2014

Risks and Uncertainties [Abstract]

Customer Concentrations

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



	Three Months Ended June 30,		Six Months Ended June 30,
	2014	2013	2014	2013
Walmart	54%	65%	58%	66%
Three other largest retail distributors, as a group	24%	22%	22%	22%



	Three Months Ended June 30,		Six Months Ended June 30,
	2014	2013	2014	2013
Walmart	55%	65%	58%	66%
Three other largest retail distributors, as a group	22%	21%	22%	21%



	Three Months Ended June 30,		Six Months Ended June 30,
	2014	2013	2014	2013
Concentration of GPR cards activated (in units)	71%	85%	72%	84%
Concentration of sales of cash transfer products (in units)	80%	87%	81%	88%

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:



	June 30, 2014	December 31, 2013
Walmart	37%	34%
Three other largest retail distributors, as a group	35%	39%

Organization (Details) - USD ($) $ in Thousands	6 Months Ended
Organization (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Jun. 30, 2013
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Acquisiton, net of cash acquired	$ 14,860	$ 0
Goodwill, acquired during period	3,300
Acquired intangible assets	$ 17,400
Intangible assets, useful life	10 years

Investment Securities - Gross Gains and Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	$ 170,326	$ 198,819
Gross unrealized gains	175	127
Gross unrealized losses	(106)	(202)
Total Fixed Income Securities, Fair Value	170,395	198,744
Corporate Bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	48,166	70,965
Gross unrealized gains	60	45
Gross unrealized losses	0	(13)
Total Fixed Income Securities, Fair Value	48,226	70,997
Commercial Paper
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	28,625	49,307
Gross unrealized gains	8	15
Gross unrealized losses	0	(1)
Total Fixed Income Securities, Fair Value	28,633	49,321
Negotiable Certificates of Deposit
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	4,400	4,400
Gross unrealized gains	1	3
Gross unrealized losses	0	0
Total Fixed Income Securities, Fair Value	4,401	4,403
US Treasury Notes
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	8,696	14,265
Gross unrealized gains	13	14
Gross unrealized losses	0	(1)
Total Fixed Income Securities, Fair Value	8,709	14,278
Agencies Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	9,998	14,946
Gross unrealized gains	8	13
Gross unrealized losses	0	0
Total Fixed Income Securities, Fair Value	10,006	14,959
Mortgage-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	32,061	4,169
Gross unrealized gains	39	0
Gross unrealized losses	(105)	(168)
Total Fixed Income Securities, Fair Value	31,995	4,001
Municipal Bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	12,804	19,017
Gross unrealized gains	24	28
Gross unrealized losses	(1)	(14)
Total Fixed Income Securities, Fair Value	12,827	19,031
Asset-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost Basis	25,576	21,750
Gross unrealized gains	22	9
Gross unrealized losses	0	(5)
Total Fixed Income Securities, Fair Value	$ 25,598	$ 21,754

Investment Securities - Continuous Unrealized Loss (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]
Other than Temporary Impairment Losses, Investments	$ 0	$ 0	$ 0	$ 0
Fair value, less than 12 months	11,542		11,542		$ 58,151
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(42)		(42)		(202)
Fair value, 12 months or more	1,550		1,550		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	(64)		(64)		0
Total fair value	13,092		13,092		58,151
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(106)		(106)		(202)
Corporate Bonds
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	0		0		24,104
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	0		0		(13)
Fair value, 12 months or more	0		0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		0
Total fair value	0		0		24,104
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	0		0		(13)
Commercial Paper
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	0		0		4,490
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	0		0		(1)
Fair value, 12 months or more	0		0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		0
Total fair value	0		0		4,490
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	0		0		(1)
US Treasury Notes
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	0		0		5,212
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	0		0		(1)
Fair value, 12 months or more	0		0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		0
Total fair value	0		0		5,212
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	0		0		(1)
Mortgage-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	7,059		7,059		4,002
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(41)		(41)		(168)
Fair value, 12 months or more	1,550		1,550		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	(64)		(64)		0
Total fair value	8,609		8,609		4,002
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(105)		(105)		(168)
Municipal Bonds
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	4,483		4,483		8,546
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	(1)		(1)		(14)
Fair value, 12 months or more	0		0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		0
Total fair value	4,483		4,483		8,546
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	(1)		(1)		(14)
Asset-backed Securities
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	0		0		11,797
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Accumulated In Investments	0		0		(5)
Fair value, 12 months or more	0		0		0
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss, Accumulated in Investments	0		0		0
Total fair value	0		0		11,797
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss, Accumulated in Investments	$ 0		$ 0		$ (5)

Investment Securities - Maturities (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Due in one year or less	$ 92,096
Due after one year through five years	23,778
Due after five years through ten years	342
Due after ten years	0
Mortgage and asset-backed securities	54,110
Total investment securities	170,326
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Due in one year or less	92,158
Due after one year through five years	23,828
Due after five years through ten years	345
Due after ten years	0
Mortgage and asset-backed securities	54,064
Total Fixed Income Securities, Fair Value	$ 170,395	$ 198,744

Accounts Receivable - Accounts receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Net	$ 33,562		$ 52,297
Overdrawn Account Balances due from Cardholders [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	12,064		14,749
Allowance for Doubtful Accounts Receivable	(8,555)	$ (9,165)	(10,363)	$ (13,249)	$ (15,424)	$ (15,677)
Accounts Receivable, Net	3,509		4,386
Trade receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	11,001		4,302
Allowance for Doubtful Accounts Receivable	(22)		(42)
Accounts Receivable, Net	10,979		4,260
Other receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	1,030		1,514
Receivables due from card issuing banks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	$ 18,044		$ 42,137

Accounts Receivable - Reserve for uncollectible overdrawn accounts activity (Details) - Reserve for uncollectible overdrawn accounts [Member] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Uncollectible Overdrawn Accounts [Roll Forward]
Balance, beginning of period	$ 9,165	$ 15,424	$ 10,363	$ 15,677
Fees	6,663	12,489	14,403	27,156
Purchase transactions	906	596	1,656	1,399
Charge-offs	(8,179)	(15,260)	(17,867)	(30,983)
Balance, end of period	$ 8,555	$ 13,249	$ 8,555	$ 13,249

Loans to Bank Customers - Loan Summary (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	$ 5	$ 0
60-89 days past due	0	0
90 days or more past due	0	14
Past due 30 days or more	5	14
Total Current or Less Than 30 Days Past Due	7,089	7,352
Total Outstanding Loans to Bank Customers	$ 7,094	$ 7,366
Percentage outstanding, 30-59 days past due	0.10%	0.00%
Percentage outstanding, 60-89 days past due	0.00%	0.00%
Percentage outstanding, 90 days or more past due	0.00%	0.20%
Loans, Percentage Outstanding, Total Past Due 30 Days or More	0.10%	0.20%
Percentage outstanding, current or less than 30 days past due	99.90%	99.80%
Percentage outstanding	100.00%	100.00%
Real Estate Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	$ 0	$ 0
60-89 days past due	0	0
90 days or more past due	0	11
Past due 30 days or more	0	11
Total Current or Less Than 30 Days Past Due	3,262	3,372
Total Outstanding Loans to Bank Customers	3,262	3,383
Commercial Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	0	0
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	0	0
Total Current or Less Than 30 Days Past Due	1,049	1,474
Total Outstanding Loans to Bank Customers	1,049	1,474
Installment Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	5	0
60-89 days past due	0	0
90 days or more past due	0	3
Past due 30 days or more	5	3
Total Current or Less Than 30 Days Past Due	2,778	2,506
Total Outstanding Loans to Bank Customers	$ 2,783	$ 2,509

Loans to Bank Customers - Nonperforming Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Nonperforming Loans [Line Items]
Nonperforming loans	$ 336	$ 473
Real Estate Loans
Nonperforming Loans [Line Items]
Nonperforming loans	15	117
Commercial Loans
Nonperforming Loans [Line Items]
Nonperforming loans	68	106
Installment Loans
Nonperforming Loans [Line Items]
Nonperforming loans	$ 253	$ 250

Loans to Bank Customers - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	$ 6,680	$ 6,902
Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	6,345	6,384
Nonperforming Financing Receivable
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	749	982
Real Estate Loans \| Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	3,100	3,003
Real Estate Loans \| Nonperforming Financing Receivable
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	162	380
Commercial Loans \| Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	982	1,323
Commercial Loans \| Nonperforming Financing Receivable
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	67	151
Installment Loans \| Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	2,263	2,058
Installment Loans \| Nonperforming Financing Receivable
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	$ 520	$ 451

Loans to Bank Customers - Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Real Estate Loans
Loan Modifications [Line Items]
Unpaid principal balance	$ 100	$ 194
Carrying value	15	117
Commercial Loans
Loan Modifications [Line Items]
Unpaid principal balance	317	344
Carrying value	68	106
Installment Loans
Loan Modifications [Line Items]
Unpaid principal balance	388	500
Carrying value	$ 253	$ 250

Loans to Bank Customers - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Loans and Leases Receivable Disclosure [Abstract]
Loans and Leases Receivable, Allowance	$ 414		$ 414		$ 464
Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, beginning of period	435	$ 450	464	$ 475
Provision for loans	0	0	0	10
Loans charged off	(27)	0	(60)	(35)
Recoveries of loans previously charged off	6	10	10	10
Allowance for loan losses, end of period	$ 414	$ 460	$ 414	$ 460

Employee Stock-Based Compensation - Share-based Compensation Equity Granted (Details) - $ / shares shares in Thousands	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted	106	1,588
Weighted-average exercise price	$ 20.92	$ 16.57
Weighted-average grant-date fair value	9.52	5.55
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant-date fair value	$ 19.09	$ 16.55
Restricted stock units granted	452	497

Employee Stock-Based Compensation - Granted Equity Assumptions (Details) - 2010 Equity Incentive Plan [Member]	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate	1.80%	0.90%
Expected term (life) of options (in years)	5 years 9 months 15 days	5 years 5 months 27 days
Expected dividends	0.00%	0.00%
Expected volatility	47.30%	43.70%

Employee Stock-Based Compensation - Stock-based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee stock-based compensation	$ 4,700	$ 3,600	$ 8,686	$ 6,509

Deposits - Summary of Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Summary of Deposits [Line Items]
GPR deposits	$ 427,624	$ 204,171
Other demand deposits	15,949	0
Total non-interest bearing deposit accounts	443,573	204,171
Negotiable order of withdrawal (NOW)	1,324	1,401
Savings	6,984	6,410
Time deposits, denominations greater than or equal to $100	5,749	5,310
Time deposits, denominations less than $100	1,964	2,288
Total interest-bearing deposit accounts	16,021	15,409
Total deposits	459,594	$ 219,580
GE Capital Retail Bank [Member]
Summary of Deposits [Line Items]
GPR deposits	260,000
Payment to settle liability	$ 50,000

Deposits - Contractual Maturities (Details) $ in Thousands	Jun. 30, 2014 USD ($)
Time Deposits, Fiscal Year Maturity [Abstract]
Due in 2014	$ 1,826
Due in 2015	3,360
Due in 2016	1,177
Due in 2017	748
Due in 2018	47
Thereafter	555
Total time deposits	$ 7,713

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Jun. 30, 2013
Operating Loss Carryforwards [Line Items]
Tax credit carryforward, subject to expiration	$ 1,200
Tax credit carryforward, not subject to expiration	1,100
Unrecognized tax benefits, income tax penalties and interest accrued	300	$ 0
Federal [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	29,700
State Tax [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 28,400

Income Taxes - Effective Tax Rate Reconciliation (Details)	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
Effective Income Tax Rate Reconciliation, Percent [Abstract]
U.S. federal statutory tax rate	35.00%	35.00%
State income taxes, net of federal tax benefit	1.80%	1.90%
General business credits	(1.10%)	(2.60%)
Employee stock-based compensation	1.10%	2.00%
Other	0.60%	0.20%
Effective tax rate	37.40%	36.50%

Income Taxes - Rollforward of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
Income Tax Disclosure [Abstract]
Beginning balance	$ 3,724	$ 1,481
Increases related to positions taken during prior years	0	500
Increases related to positions taken during the current year	676	741
Ending balance	4,400	2,722
The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$ 4,400	$ 2,722

Shareholders' Equity (Details) - $ / shares	6 Months Ended
Shareholders' Equity (Details) - $ / shares	Jun. 30, 2014	Mar. 03, 2009
Class of Stock [Line Items]
Conversion of Stock, Shares Converted	1,491
Debt Conversion, Converted Instrument, Shares Issued	1,491,000
Sales Volume or Revenue Based Warrant [Member]
Class of Stock [Line Items]
Exercise Price per Share, Warrant		$ 23.70
Additional Warrant [Member]
Class of Stock [Line Items]
Class of Warrant or Right, Number of Securities Called by Warrants or Rights		856,691
Walmart [Member] \| Common Class A [Member]
Class of Stock [Line Items]
Unvested Walmart Shares		3,426,765

Earnings per Common Share - Basic Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net Income	$ 14,343	$ 11,304	$ 29,648	$ 26,891
Income attributable to preferred stock	(1,703)	(1,798)	(3,966)	(4,289)
Income attributable to common stock subject to repurchase	(138)	(230)	(324)	(583)
Undistributed Earnings, Basic	$ 12,502	$ 9,276	$ 25,358	$ 22,019
Weighted-average Class A shares issued and outstanding	39,394	35,380	38,433	35,214
Basic earnings per Class A common share, in usd per share	$ 0.32	$ 0.26
Re-allocated earnings	$ 26	$ 60	$ 96	$ 137
Diluted net income allocated to Class A common stockholders	$ 12,528	$ 9,336	$ 25,454	$ 22,156
Diluted weighted-average Class A shares issued and outstanding	40,052	36,686	39,466	36,458
Diluted earnings per Class A common share, in usd per share	$ 0.31	$ 0.25	$ 0.64	$ 0.61
Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Weighted-average Class A shares issued and outstanding	39,394	35,380	38,433	35,214
Basic earnings per Class A common share, in usd per share			$ 0.66	$ 0.63
Employee Stock Option [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	515	1,099	831	1,090
Restricted Stock Units (RSUs) [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	138	205	195	154
Employee Stock [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares	5	2	7	0

Earnings per Common Share - Antidilutive Shares (Details) - Common Class A [Member] - shares shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Antidilutive Shares [Line Items]
Antidilutive shares	6,099	7,977	6,654	8,495
Employee Stock Option [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	673	1,101	608	1,609
Restricted Stock Units (RSUs) [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	57	17	35	27
Convertible preferred stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	5,369	6,859	6,011	6,859

Earnings per Common Share - Other (Details) - shares	Jun. 30, 2014	Mar. 03, 2009
Diluted earnings per common share [Line Items]
Unvested warrants, shares issuable	4,283,456
Walmart [Member] \| Common Class A [Member]
Diluted earnings per common share [Line Items]
Unvested Walmart Shares		3,426,765
Walmart [Member] \| Employee Stock Option [Member] \| Common Class A [Member]
Diluted earnings per common share [Line Items]
Unvested Walmart Shares	368,052

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2014	Dec. 31, 2013
Fair Value Disclosures [Abstract]
Loans to Bank Customers, Carrying Amount	$ 6,680	$ 6,902
Loans to Bank Customers, Fair Value	5,864	5,926
Deposits	459,594	219,580
Deposits, Fair Value	$ 459,531	$ 219,534

Significant Customer Concentrations (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Concentration Risk [Line Items]
Stock-based retailer incentive compensation	$ 2,022	$ 1,967	$ 4,410	$ 3,576
Customer Concentration Risk [Member] \| Total Operating Revenues [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	54.00%	65.00%	58.00%	66.00%
Customer Concentration Risk [Member] \| Total Operating Revenues [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	24.00%	22.00%	22.00%	22.00%
Customer Concentration Risk [Member] \| Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	55.00%	65.00%	58.00%	66.00%
Customer Concentration Risk [Member] \| 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	22.00%	21.00%	22.00%	21.00%
Customer Concentration Risk [Member] \| GPR Cards Activated (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	71.00%	85.00%	72.00%	84.00%
Customer Concentration Risk [Member] \| Sales of Cash Transfer Products (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	80.00%	87.00%	81.00%	88.00%
Customer Concentration Risk [Member] \| Settlement Assets [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage (balance sheet disclosures)	37.00%		37.00%		34.00%
Customer Concentration Risk [Member] \| Settlement Assets [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage (balance sheet disclosures)	35.00%		35.00%		39.00%

Fair Value Measurements - Fair Value Hierarchy (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2014 USD ($)	Jun. 30, 2013	Jun. 30, 2014 USD ($)	Jun. 30, 2013	Dec. 31, 2013 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 170,395		$ 170,395		$ 198,744
Transfers between Level 1, Level 2 or Level 3	0	0	0	0
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 0		$ 0		0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	170,395		170,395		198,744
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	170,395		170,395		198,744
Corporate Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	48,226		48,226		70,997
Corporate Bonds \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Corporate Bonds \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	48,226		48,226		70,997
Corporate Bonds \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Corporate Bonds \| Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	48,226		48,226		70,997
Commercial Paper
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	28,633		28,633		49,321
Commercial Paper \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Commercial Paper \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	28,633		28,633		49,321
Commercial Paper \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Commercial Paper \| Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	28,633		28,633		49,321
Negotiable Certificates of Deposit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	4,401		4,401		4,403
Negotiable Certificates of Deposit \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Negotiable Certificates of Deposit \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	4,401		4,401		4,403
Negotiable Certificates of Deposit \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Negotiable Certificates of Deposit \| Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	4,401		4,401		4,403
US Treasury Notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	8,709		8,709		14,278
US Treasury Notes \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
US Treasury Notes \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	8,709		8,709		14,278
US Treasury Notes \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
US Treasury Notes \| Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	8,709		8,709		14,278
Agencies Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	10,006		10,006		14,959
Agencies Securities \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Agencies Securities \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	10,006		10,006		14,959
Agencies Securities \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Agencies Securities \| Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	10,006		10,006		14,959
Mortgage-backed securities \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Mortgage-backed securities \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	31,995		31,995		4,001
Mortgage-backed securities \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Mortgage-backed securities \| Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	31,995		31,995		4,001
Municipal Bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	12,827		12,827		19,031
Municipal Bonds \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Municipal Bonds \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	12,827		12,827		19,031
Municipal Bonds \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Municipal Bonds \| Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	12,827		12,827		19,031
Asset-backed Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	25,598		25,598		21,754
Asset-backed Securities \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Asset-backed Securities \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	25,598		25,598		21,754
Asset-backed Securities \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0		0		0
Asset-backed Securities \| Total Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 25,598		$ 25,598		$ 21,754