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Document And Entity Information Document - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Jan. 31, 2016	Jun. 30, 2015
Entity Information [Line Items]
Entity Registrant Name	GREEN DOT CORP
Trading Symbol	GDOT
Entity Central Index Key	0001386278
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 895.6
Common Class A [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		50,113,873
Convertible Series A preferred stock [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		1,518,512

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Current assets:
Unrestricted cash and cash equivalents	$ 772,128	$ 724,158
Federal funds sold	1	480
Restricted cash	5,793	2,015
Investment securities available-for-sale, at fair value	49,106	46,650
Settlement assets	69,165	148,694
Accounts receivable, net	42,153	48,917
Prepaid expenses and other assets	30,511	22,458
Income tax receivable	6,434	16,290
Total current assets	975,291	1,009,662
Restricted cash	0	2,152
Investment securities available-for-sale, at fair value	132,433	73,781
Loans to bank customers, net of allowance for loan losses of $426 and $444 as of December 31, 2015 and 2014, respectively	6,279	6,550
Prepaid expenses and other assets	6,416	6,034
Property and equipment, net	78,877	77,284
Deferred expenses	14,509	17,326
Net deferred tax assets	3,864	4,299
Goodwill and intangible assets	473,779	417,200
Total assets	1,691,448	1,614,288
Current liabilities:
Accounts payable	37,186	36,444
Deposits	652,145	565,401
Obligations to customers	61,300	98,052
Settlement obligations	5,074	4,484
Amounts due to card issuing banks for overdrawn accounts	1,067	1,224
Other accrued liabilities	87,635	79,137
Deferred revenue	22,901	24,418
Note payable	20,966	20,966
Total current liabilities	888,274	830,126
Other accrued liabilities	37,894	31,495
Note payable	100,686	121,651
Net deferred tax liabilities	1,272	2,026
Total liabilities	1,028,126	985,298
Stockholders equity:
Additional paid-in capital	379,376	383,296
Retained earnings	284,108	245,693
Accumulated other comprehensive loss	(215)	(52)
Total stockholders’ equity	663,322	628,990
Total liabilities and stockholders’ equity	1,691,448	1,614,288
Convertible Series A preferred stock [Member]
Stockholders equity:
Convertible Series A preferred stock, $0.001 par value: 10 shares authorized as of December 31, 2015 and 2014; 2 shares issued and outstanding as of December 31, 2015 and 2014	2	2
Common Class A [Member]
Stockholders equity:
Class A common stock, $0.001 par value; 100,000 shares authorized as of December 31, 2015 and 2014; 50,502 and 51,146 shares issued and outstanding as of December 31, 2015 and 2014, respectively	$ 51	$ 51

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Allowance for loan losses	$ 426	$ 444
Convertible Series A preferred stock [Member]
Convertible Series A Preferred Stock, par value (in USD per share)	$ 0.001	$ 0.001
Convertible Series A Preferred Stock, shares authorized	10,000	10,000
Convertible Series A Preferred Stock, shares issued	2,000	2,000
Convertible Series A Preferred Stock, shares outstanding	2,000	2,000
Common Class A [Member]
Common stock, par value (in USD per share)	$ 0.001	$ 0.001
Common stock, shares authorized	100,000,000	100,000,000
Common stock, shares, issued	50,502,000	51,146,000
Common stock, shares outstanding	50,502,000	51,146,000

Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Operating revenues
Card revenues and other fees	$ 318,083	$ 253,155	$ 227,227
Processing and settlement service revenues	182,614	179,289	183,359
Interchange revenues	196,523	178,040	171,757
Stock-based retailer incentive compensation	(2,520)	(8,932)	(8,722)
Total operating revenues	694,700	601,552	573,621
Operating expenses
Sales and marketing expenses	230,441	235,227	218,370
Compensation and benefits expenses	168,226	123,083	127,287
Processing expenses	102,144	79,053	89,856
Other general and administrative expenses	134,560	105,200	88,976
Total operating expenses	635,371	542,563	524,489
Operating income	59,329	58,989	49,132
Interest income	4,737	4,064	3,440
Interest expense	(5,944)	(1,276)	(72)
Other income	0	7,129	0
Income before income taxes	58,122	68,906	52,500
Income tax expense	19,707	26,213	18,460
Net income	38,415	42,693	34,040
Income attributable to preferred stock	(1,102)	(4,842)	(5,360)
Net income available to common stockholders	$ 37,313	$ 37,851	$ 28,680
Earnings per common share
Basic earnings per common share (in USD per share)	$ 0.73	$ 0.92	$ 0.78
Diluted earnings per common share (in USD per share)	$ 0.72	$ 0.90	$ 0.76
Weighted-average common shares issued and outstanding
Basic (in shares)	51,332	40,907	35,875
Diluted (in shares)	51,875	41,770	37,156

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Statement of Comprehensive Income [Abstract]
Net income	$ 38,415	$ 42,693	$ 34,040
Other comprehensive loss
Unrealized holding losses, net of tax	(163)
Comprehensive income	$ 38,252	$ 42,688	$ 33,887

- Definition

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

+ References + Details

Consolidated Statements of Changes in Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Preferred Stock [Member] Convertible Preferred Stock [Member]	Common Stock [Member]	Common Stock [Member] Common Class A [Member]	Common Stock [Member] Common Class B [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance at the beginning of the period, shares at Dec. 31, 2012		7		31,798	4,197
Balance at the beginning of the period at Dec. 31, 2012	$ 327,764	$ 7		$ 31	$ 4	$ 158,656	$ 168,960	$ 106
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued under stock plans, net of withholdings and related tax effects (in shares)				620	1,114
Common stock issued under stock plans, net of withholdings and related tax effects	17,173			$ 1	$ 2	17,170
Stock-based compensation	14,703					14,703
Stock-based retailer incentive compensation	8,722					8,722
Conversion of stock (in shares)				5,311	5,311
Conversion of stock				$ 6	$ (6)
Net income	34,040						34,040
Other comprehensive loss (Accumulated Other Comprehensive Income)								(153)
Other comprehensive loss	(153)
Balance at the end of the period, shares at Dec. 31, 2013		7		37,729
Balance at the end of the period at Dec. 31, 2013	402,249	$ 7		$ 38		199,251	203,000	(47)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued under stock plans, net of withholdings and related tax effects (in shares)				1,487
Common stock issued under stock plans, net of withholdings and related tax effects	10,681			$ 1		10,680
Stock-based compensation	20,329					20,329
Stock-based retailer incentive compensation	8,932					8,932
Conversion of stock (in shares)		5		5,345
Conversion of stock		$ (5)	$ 5
Issuance of shares related to acquisitions (in shares)				6,585
Issuance of shares related to acquisitions	144,111			$ 7		144,104
Net income	42,693						42,693
Other comprehensive loss (Accumulated Other Comprehensive Income)								(5)
Other comprehensive loss	(5)
Balance at the end of the period, shares at Dec. 31, 2014		2		51,146
Balance at the end of the period at Dec. 31, 2014	$ 628,990	$ 2		$ 51		383,296	245,693	(52)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued under stock plans, net of withholdings and related tax effects (in shares)	98			798
Common stock issued under stock plans, net of withholdings and related tax effects	$ (2,058)			$ 1		(2,059)
Stock-based compensation	27,011					27,011
Stock-based retailer incentive compensation	2,520					2,520
Issuance of shares related to acquisitions (in shares)				514
Issuance of shares related to acquisitions	10,259			$ 1		10,258
Treasury stock acquired (in shares)				(1,956)
Repurchases of Class A common stock	(41,652)			$ (2)		(41,650)
Net income	38,415						38,415
Other comprehensive loss (Accumulated Other Comprehensive Income)	(163)							(163)
Other comprehensive loss	(163)
Balance at the end of the period, shares at Dec. 31, 2015		2		50,502
Balance at the end of the period at Dec. 31, 2015	$ 663,322	$ 2		$ 51		$ 379,376	$ 284,108	$ (215)

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Operating activities [Abstract]
Net income	$ 38,415	$ 42,693	$ 34,040
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Depreciation and amortization of property and equipment	38,509	32,454	26,971
Amortization of intangible assets	23,205	4,530	128
Provision for uncollectible overdrawn accounts	63,294	38,273	47,273
Employee stock-based compensation	27,011	20,329	14,703
Stock-based retailer incentive compensation	2,520	8,932	8,722
Amortization of premium on available-for-sale investment securities	1,167	1,105	778
Change in fair value of contingent consideration	(8,200)	(698)	0
Amortization of deferred financing costs	1,535	289	0
Impairment of capitalized software	5,881	0	5,216
Deferred income tax (benefit) expense	(406)	463	5,464
Changes in operating assets and liabilities:
Accounts receivable, net	(54,450)	(30,479)	(48,198)
Prepaid expenses and other assets	(5,766)	1,086	5,069
Deferred expenses	2,817	(1,887)	(2,929)
Accounts payable and other accrued liabilities	13,179	1,167	26,915
Amounts due to card issuing banks for overdrawn accounts	(157)	(48,706)	(794)
Deferred revenue	(1,617)	(319)	5,260
Income tax receivable	9,995	29	(6,097)
Other, net	(212)	(44)	(13)
Net cash provided by operating activities	156,720	69,217	122,508
Investing activities [Abstract]
Purchases of available-for-sale investment securities	(195,132)	(212,446)	(274,072)
Proceeds from maturities of available-for-sale securities	84,435	153,265	173,135
Proceeds from sales of available-for-sale securities	47,953	136,425	84,969
(Increase) decrease in restricted cash	(199)	1,360	(2,336)
Payments for acquisition of property and equipment	(47,837)	(39,338)	(35,742)
Net principal collections on loans	271	352	650
Acquisitions, net of cash acquired	(65,209)	(226,964)	0
Net cash used in investing activities	(175,718)	(187,346)	(53,396)
Financing activities [Abstract]
Borrowings from note payable	0	150,000	0
Repayments of borrowings from note payable	(22,500)	0	0
Borrowings on revolving line of credit	30,001	0	0
Repayments on revolving line of credit	(30,001)	0	0
Proceeds from exercise of options	3,832	9,960	15,926
Excess tax benefits from exercise of options	222	3,945	2,748
Taxes paid related to net share settlement of equity awards	(5,124)	(3,224)	(1,501)
Net increase in deposits	86,744	345,821	21,129
Net increase (decrease) in obligations to customers	45,372	(79,442)	19,616
Contingent consideration payments	(1,071)	(242)	0
Repurchase of Class A common stock	(40,986)	0	0
Deferred financing costs	0	(7,672)	0
Net cash provided by financing activities	66,489	419,146	57,918
Net increase in unrestricted cash, cash equivalents, and federal funds sold	47,491	301,017	127,030
Unrestricted cash, cash equivalents, and federal funds sold, beginning of year	724,638	423,621	296,591
Unrestricted cash, cash equivalents, and federal funds sold, end of year	772,129	724,638	423,621
Cash paid for interest	4,410	1,276	73
Cash paid for income taxes	$ 9,892	$ 21,602	$ 16,351

Organization	12 Months Ended
Organization	Dec. 31, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization	Organization Green Dot Corporation (“we,” “us” and “our” refer to Green Dot Corporation and its wholly-owned subsidiaries) is a pro-consumer technology innovator with a mission to reinvent personal banking for the masses. Our products and services include: Green Dot MasterCard and Visa-branded prepaid debit cards and several co-branded reloadable prepaid card programs, collectively referred to as our GPR cards; Visa-branded gift cards; checking account products, such as GoBank, an innovative checking account developed for use via mobile phones that is available at Walmart and online; our proprietary swipe reload products referred to as our cash transfer products, which enable cash loading and transfer services through our Green Dot Network; and tax refund processing services designed to facilitate the secure receipt of a customer's income tax refund. Our products and services are available to consumers through a large-scale "branchless bank" distribution network of more than 100,000 U.S. locations, including retailers, neighborhood financial service center locations and tax preparation offices, as well as online, in the leading app stores and through leading online tax preparation providers. The Green Dot Network enables consumers to use cash to reload our prepaid debit cards or to transfer cash to any of our Green Dot Network acceptance members, including competing prepaid card programs and other online accounts. We are also the tax refund processing service provider for several leading consumer tax preparation companies. We market our products and services to consumers in the United States. Our products are issued by our wholly-owned subsidiary, Green Dot Bank and third-party issuing banks including The Bancorp Bank and Sunrise Banks, N.A. We also have multi-year distribution arrangements with many large and medium-sized retailers, including Walmart, Walgreens, CVS, Rite Aid, 7-Eleven, Kroger, Kmart, and Dollar Tree, and with various industry resellers, including Blackhawk Network and InComm. We refer to participating retailers collectively as our “retail distributors.” Our tax refund processing services are integrated into the offerings of partnering tax software companies, which enables us to serve approximately 25,000 independent online and in-person tax preparers and accountants nationwide.

Summary of Significant Accounting Policies

12 Months Ended

Dec. 31, 2015

Accounting Policies [Abstract]

Summary of Significant Accounting Policies

Principles of Consolidation and Basis of Presentation

Our consolidated financial statements include the results of Green Dot Corporation and our wholly-owned subsidiaries. We prepared the accompanying consolidated financial statements in accordance with generally accepted accounting principles in the United States of America, or GAAP. We eliminate all significant intercompany balances and transactions in consolidation. We include the results of operations of acquired companies from the date of acquisition.

Use of Estimates and Assumptions

The preparation of financial statements in conformity with GAAP requires us to make estimates and assumptions that affect the amounts reported in the consolidated financial statements, including the accompanying notes. We base our estimates and assumptions on historical factors, current circumstances, and the experience and judgment of management. We evaluate our estimates and assumptions on an ongoing basis. Actual results could differ from those estimates.

Unrestricted Cash and Cash Equivalents and Federal Funds Sold

We consider all unrestricted highly liquid investments with an original maturity of three months or less to be unrestricted cash and cash equivalents. Federal funds sold consist of unsecured overnight advances of excess balances in our bank reserve account and are included in unrestricted cash and cash equivalents on our consolidated statements of cash flows.

Investment Securities

Our investment portfolio is primarily comprised of fixed income securities. We classify these securities as available-for-sale and report them at fair value with the related unrealized gains and losses, net of tax, included in accumulated other comprehensive income, a component of stockholders’ equity. We classify investment securities with original maturities greater than 90 days, but less than or equal to 365 days as current assets.

Note 2—Summary of Significant Accounting Policies (continued)

We regularly evaluate each fixed income security where the value has declined below amortized cost to assess whether the decline in fair value is other-than-temporary. In determining whether an impairment is other-than-temporary, we consider the severity and duration of the decline in fair value, the length of time expected for recovery, the financial condition of the issuer, and other qualitative factors, as well as whether we either plan to sell the security or it is more-likely-than-not that we will be required to sell the security before recovery of its amortized cost. If the impairment of the investment security is credit-related, an other-than-temporary impairment is recorded in earnings. We recognize non-credit-related impairment in accumulated other comprehensive income. If we intend to sell an investment security or believe we will more-likely-than-not be required to sell a security, we record the full amount of the impairment as an other-than-temporary impairment.

Interest on fixed income securities, including amortization of premiums and accretion of discounts, is included in interest income.

Obligations to Customers and Settlement Assets and Obligations

At the point of sale, our retail distributors collect customer funds for purchases of new cards and balance reloads and then remit these funds directly to the banks that issue our cards. During the first quarter of 2014, we transitioned our card issuing program with GE Capital Bank to our subsidiary bank. Our retail distributors’ remittance of these funds takes an average of two business days.

Settlement assets represent the amounts due from our retail distributors for customer funds collected at the point of sale that have not yet been received by our subsidiary bank. Obligations to customers represent customer funds collected from (or to be remitted by) our retail distributors for which the underlying products have not been activated. Once the underlying products have been activated, the customer funds are reclassified as deposits in a bank account established for the benefit of the customer. Settlement obligations represent the customer funds received by our subsidiary bank that are due to third-party card issuing banks upon activation.

Accounts Receivable, net

Accounts receivable is comprised principally of receivables due from card issuing banks, overdrawn account balances due from cardholders, trade accounts receivable, fee advances and other receivables. We record accounts receivable net of reserves for estimated uncollectible accounts. Receivables due from card issuing banks primarily represent revenue-related funds held at the third-party card issuing banks related to our gift card program that have yet to be remitted to us. These receivables are generally collected within a short period of time based on the remittance terms in our agreements with the third-party card issuing banks. Fee advances represent short-term advances to in-person tax return preparation companies made prior to and during tax season. These advances are collateralized by their clients' tax preparation fees and are generally collected within a short period of time as the in-person tax preparation companies begin preparing and processing their clients' tax refunds.

Overdrawn Account Balances Due from Cardholders and Reserve for Uncollectible Overdrawn Accounts

Our cardholder accounts may become overdrawn as a result of maintenance fee assessments or from purchase transactions that we honor, in excess of the funds in a cardholder’s account. We are exposed to losses from any unrecovered overdrawn account balances. We establish a reserve for uncollectible overdrawn accounts. We classify overdrawn accounts into age groups based on the number of days that have elapsed since an account last had activity, such as a purchase, ATM transaction or maintenance fee assessment. We calculate a reserve factor for each age group based on the average recovery rate for the most recent six months. These factors are applied to these age groups to estimate our overall reserve. When more than 90 days have passed without activity in an account, we write off the full amount of the overdrawn account balance. We include our provision for uncollectible overdrawn accounts related to maintenance fees and purchase transactions as an offset to card revenues and other fees and in other general and administrative expenses, respectively, in the accompanying consolidated statements of operations.

Restricted Cash

At December 31, 2015 and 2014, restricted cash primarily consists of funds held in an escrow account under the terms of a purchase agreement related to one of our business acquisitions, as well as funds required to collateralize outstanding letters of credit related to our corporate facility lease. Additionally, we collect funds in advance from certain retail distributors, which are recorded as restricted cash.

Note 2—Summary of Significant Accounting Policies (continued)

Loans to Bank Customers

We report loans measured at historical cost at their outstanding principal balances, net of any charge-offs, and for purchased loans, net of any unaccreted discounts. We recognize interest income as it is earned.

Nonperforming Loans

Nonperforming loans generally include loans that have been placed on nonaccrual status. We generally place loans on nonaccrual status when they are past due 90 days or more. We reverse the related accrued interest receivable and apply interest collections on nonaccrual loans as principal reductions; otherwise, we credit such collections to interest income when received. These loans may be restored to accrual status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected.

We consider a loan to be impaired when it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. Once we determine a loan to be impaired, we measure the impairment based on the present value of the expected future cash flows discounted at the loan's effective interest rate. We may also measure impairment based on observable market prices, or for loans that are solely dependent on the collateral for repayment, the estimated fair value of the collateral less estimated costs to sell. If the recorded investment in impaired loans exceeds this amount, we establish a specific allowance as a component of the allowance for loan losses or by adjusting an existing valuation allowance for the impaired loan.

Allowance for Loan Losses

We establish an allowance for loan losses to account for estimated credit losses inherent in our loan portfolio. For the portfolio of loans, our estimate of inherent losses is separately calculated on an aggregate basis for groups of loans that are considered to have similar credit characteristics and risk of loss. We analyze historical loss rates for these groups and then adjust the rates for qualitative factors which in our judgment affect the expected inherent losses. Qualitative considerations include, but are not limited to, prevailing economic or market conditions, changes in the loan grading and underwriting process, changes in the estimated value of the underlying collateral for collateral dependent loans, delinquency and nonaccrual status, problem loan trends, and geographic concentrations. We separately establish specific allowances for impaired loans based on the present value of changes in cash flows expected to be collected, or for impaired loans that are considered collateral dependent, the estimated fair value of the collateral.

Property and Equipment

We carry our property and equipment at cost less accumulated depreciation and amortization. We generally compute depreciation on property and equipment using the straight-line method over the estimated useful lives of the assets, except for land, which is not depreciated. We generally compute amortization on tenant improvements using the straight-line method over the shorter of the related lease term or estimated useful lives of the improvements. We expense expenditures for maintenance and repairs as incurred.

We capitalize certain internal and external costs incurred to develop internal-use software during the application development stage. We also capitalize the cost of specified upgrades and enhancements to internal-use software that result in additional functionality. Once a development project is substantially complete and the software is ready for its intended use, we begin depreciating these costs on a straight-line basis over the internal-use software’s estimated useful life.

The estimated useful lives of the respective classes of assets are as follows:



Land	N/A
Building	30 years
Computer equipment, furniture and office equipment	3-4 years
Computer software purchased	3 years
Capitalized internal-use software	2-7 years
Tenant improvements	Shorter of the useful life or the lease term

Note 2—Summary of Significant Accounting Policies (continued)

Impairment of Long Lived Assets

We evaluate long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If the sum of expected undiscounted future cash flows from an asset is less than the carrying amount of the asset, we estimate the fair value of the assets. We measure the loss as the amount by which the carrying amount exceeds its fair value calculated using the present value of estimated net future cash flows. We recorded impairment charges of $5.9 million and $5.2 million for the years ended December 31, 2015 and 2013, respectively, associated with capitalized internal-use software we determined to no longer be utilized and any remaining carrying value was written off. These impairment charges are included in other general and administrative expenses in our consolidated statements of operations. There were no such impairment charges for the year ended December 31, 2014.

Business Acquisitions

We allocate the purchase price of business acquisitions to the assets acquired and liabilities assumed based on their estimated fair value. The excess of the purchase price over estimated fair value of the net identifiable assets is allocated to goodwill. Determining the fair value of assets and liabilities requires various assumptions and estimates. These estimates and assumptions are refined with adjustments recorded to goodwill as information is gathered and final valuations are completed over a one-year measurement period. The changes in these estimates or different assumptions used in determining these estimates could impact the amount of assets, including goodwill, and liabilities recorded on our consolidated balance sheet and could impact our operating results subsequent to such acquisition.

Goodwill and Intangible Assets

Goodwill is the purchase premium after adjusting for the fair value of net assets acquired. Goodwill is not amortized but is reviewed for potential impairment on an annual basis, or when events or circumstances indicate a potential impairment, at the reporting unit level. A reporting unit, as defined under applicable accounting guidance, is an operating segment or one level below an operating segment, referred to as a component. We may in any given period bypass the qualitative assessment and proceed directly to a two-step method to assess and measure impairment of the reporting unit's goodwill. We first assess qualitative factors to determine whether it is more likely-than-not (i.e., a likelihood of more than 50 percent) that the fair value of a reporting unit is less than its carrying value. This step serves as the basis for determining whether it is necessary to perform the two-step quantitative impairment test. The first step of the quantitative impairment test involves a comparison of the estimated fair value of each reporting unit to its carrying amount, including goodwill. If the estimated fair value of the reporting unit exceeds its carrying amount, goodwill of the reporting unit is not impaired; however, if the carrying amount of the reporting unit exceeds its estimated fair value, then the second step of the quantitative impairment test must be performed. The second step compares the implied fair value of the reporting unit’s goodwill with its carrying amount to measure the amount of impairment loss, if any.

The implied fair value of goodwill is determined in the same manner as the amount of goodwill recognized in a business combination. If the carrying amount of the reporting unit’s goodwill exceeds the implied fair value of that goodwill, an impairment loss is recognized in an amount equal to that excess.

For intangible assets subject to amortization, we recognize an impairment loss if the carrying amount of the intangible asset is not recoverable and exceeds its estimated fair value. The carrying amount of the intangible asset is considered not recoverable if it exceeds the sum of the undiscounted cash flows expected to result from the use of the asset.

No impairment charges were recognized related to goodwill or intangible assets for the years ended December 31, 2015, 2014 and 2013.

Intangible assets with finite lives are amortized on a straight-line basis over their estimated useful lives, which is our best estimate of the pattern of economic benefit, based on legal, contractual, and other provisions. The estimated useful lives of the intangible assets, which consist primarily of customer relationships and trade names, range from 5-15 years.

Note 2—Summary of Significant Accounting Policies (continued)

Amounts Due to Card Issuing Banks for Overdrawn Accounts

Third-party card issuing banks fund overdrawn cardholder account balances on our behalf. Amounts funded are due from us to the card issuing banks based on terms specified in the agreements with the card issuing banks. Generally, we expect to settle these obligations within two months. 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. In conjunction with this transition, we paid approximately $50 million to GE Capital Retail Bank to settle all of our previously accrued liabilities outstanding at the time of transition associated with overdrawn cardholder account balances.

Fair Value

Under applicable accounting guidance, fair value is defined as the price that would be received to sell an asset or paid to transfer a liability. As such, fair value reflects an exit price 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. The following describes the three-level hierarchy:

Level 1 – Unadjusted quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as certain U.S. Treasury securities that are highly liquid and are actively traded in over-the-counter markets.

Level 2 – Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities with quoted prices that are traded less frequently than exchange-traded instruments. This category generally includes U.S. government and agency mortgage-backed fixed income securities and corporate fixed income securities.

Level 3 – Unobservable inputs that are supported by little or no market activity and that are significant to the overall fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments for which the determination of fair value requires significant management judgment or estimation. The fair value for such assets and liabilities is generally determined using pricing models, market comparables, discounted cash flow methodologies or similar techniques that incorporate the assumptions a market participant would use in pricing the asset or liability. This category generally includes certain private equity investments and certain asset-backed securities.

Revenue Recognition

Our operating revenues consist of card revenues and other fees, processing and settlement service revenues and interchange revenues. We recognize revenue when the price is fixed or determinable, persuasive evidence of an arrangement exists, the product is sold or the service is performed, and collectability of the resulting receivable is reasonably assured.

Card revenues and other fees consist of monthly maintenance fees, ATM fees, new card fees and other revenues. We charge maintenance fees on a monthly basis pursuant to the terms and conditions in the applicable cardholder agreements. We recognize monthly maintenance fees ratably over the month for which they are assessed. We charge ATM fees to cardholders when they withdraw money at certain ATMs in accordance with the terms and conditions in our cardholder agreements. We recognize ATM fees when the withdrawal is made by the cardholder, which is the same time our service is completed and the fees are assessed. We charge new card fees when a consumer purchases a new card in a retail store. We defer and recognize new card fee revenues on a straight-line basis over our average card lifetime, which is currently five months for both our GPR and our gift cards. We determine the average card lifetime based on our recent historical data for comparable products. We measure card lifetime for our GPR cards as the period of time, inclusive of reload activity, between sale (or activation) of the card and the date of the last positive balance. We measure the card lifetime for our gift cards as the redemption period during which cardholders perform the substantial majority of their transactions. We reassess average card lifetime quarterly. We report the unearned portion of new card fees as a component of deferred revenue in our consolidated balance sheets. Other revenues consist primarily of revenue associated with our gift card program, transaction-based fees and fees associated with optional products or services, which we offer to cardholders from time-to-time. We generally recognize these revenues as purchase transactions occur or when the underlying services are completed.

Note 2—Summary of Significant Accounting Policies (continued)

Our processing and settlement services consist of cash transfer revenues and tax refund processing service revenues. We generate cash transfer revenues when consumers purchase our cash transfer products (reload services) in a retail store. We recognize these revenues when the cash transfer transactions are completed, generally within two business days from the time of sale of these products. We earn tax refund processing service revenues when a customer of a third party tax preparation company chooses to pay their tax preparation fee through the use of our tax refund processing services. We recognize tax refund processing service revenues as we remit tax return proceeds to the taxpayer.

We earn interchange revenues from fees remitted by the merchant’s bank, which are based on rates established by the payment networks, such as Visa and MasterCard, when cardholders make purchase transactions using our cards. We recognize interchange revenues as these transactions occur.

We report our different types of revenues on a gross or net basis based on our assessment of whether we act as a principal or an agent in the transaction. To the extent we act as a principal in the transaction, we report revenues on a gross basis. In concluding whether or not we act as a principal or an agent, we evaluate whether we have the substantial risks and rewards under the terms of the revenue-generating arrangements, whether we are the party responsible for fulfillment of the services purchased by the cardholders, among other factors. For all of our significant revenue-generating arrangements, including GPR and gift cards, we record revenues on a gross basis with the exception of our tax refund processing service revenues which are recorded on a net basis.

Generally, customers have limited rights to a refund of a new card fee or a cash transfer fee. We have elected to recognize revenues prior to the expiration of the refund period, but reduce revenues by the amount of expected refunds, which we estimate based on actual historical refunds.

On occasion, we enter into incentive agreements with our retail distributors and offer incentives to customers designed to increase product acceptance and sales volume. We record incentive payments, including the issuance of equity instruments, as a reduction of revenues and recognize them over the period the related revenues are recognized or as services are rendered, as applicable.

Sales and Marketing Expenses

Sales and marketing expenses primarily consist of sales commissions, advertising and marketing expenses, and the costs of manufacturing and distributing card packages, placards, promotional materials to our retail distributors’ locations and personalized GPR cards to consumers who have activated their cards.

We pay our retail distributors and brokers commissions based on sales of our prepaid debit cards and cash transfer products in their stores. We defer and expense commissions related to new cards sales ratably over the average card lifetime, which is currently five months for both our GPR and our gift cards. Absent a new card fee, we expense the related commissions immediately. We expense commissions related to cash transfer products when the cash transfer transactions are completed. We expense costs for the production of advertising as incurred. The cost of media advertising is expensed when the advertising first takes place. We record the costs associated with card packages and placards as prepaid expenses, and we record the costs associated with personalized GPR cards as deferred expenses. We recognize the prepaid cost of card packages and placards over the related sales period, and we amortize the deferred cost of personalized GPR cards, when activated, over the average card lifetime.

Included in sales and marketing expenses are advertising and marketing expenses of $10.1 million, $6.8 million and $10.4 million and shipping and handling costs of $2.8 million, $3.1 million and $4.0 million for the years ended December 31, 2015, 2014 and 2013, respectively. Also included in sales and marketing expenses were liabilities that we incurred for use tax to various states related to purchases of materials since we do not charge sales tax to customers when new cards or cash transfer transactions are purchased.

Employee Stock-Based Compensation

We record employee stock-based compensation expense based on the grant-date fair value. For stock options and stock purchases under our employee stock purchase plan, or ESPP, we base compensation expense on fair values estimated at the grant date using the Black-Scholes option-pricing model. For stock awards, including restricted stock units, we base compensation expense on the fair value of our common stock at the grant date. We recognize compensation expense for awards with only service conditions that have graded vesting schedules on a straight-line basis over the vesting period of the award. Vesting is based upon continued service to our company.

Note 2—Summary of Significant Accounting Policies (continued)

At times, we have issued performance based and market based restricted stock units to our executive officers. For performance based awards, we recognize compensation cost for the restricted stock units if and when we conclude it is probable that the performance will be satisfied, over the requisite service period based on the grant-date fair value of the stock. We reassess the probability of vesting at each reporting period and adjust compensation expense based on the probability assessment. For market based restricted stock units, we base compensation expense on the fair value estimated at the date of grant using a Monte Carlo simulation or similar lattice model. We recognize compensation expense over the requisite service period regardless of the market condition being satisfied, provided that the requisite service has been provided, since the estimated grant date fair value already incorporates the probability of outcomes that the market condition will be achieved.

Income Taxes

Our income tax expense is comprised of current and deferred income tax expense. Current income tax expense approximates taxes to be paid or refunded for the current period. Deferred income tax expense results from the changes in deferred tax assets and liabilities during the periods. These gross deferred tax assets and liabilities represent decreases or increases in taxes expected to be paid in the future because of future reversals of temporary differences between the basis of assets and liabilities as measured by tax laws and their basis as reported in our consolidated financial statements. We also recognize deferred tax assets for tax attributes such as net operating loss carryforwards and tax credit carryforwards. We record valuation allowances to reduce deferred tax assets to the amounts we conclude are more likely-than-not to be realized in the foreseeable future.

We recognize and measure income tax benefits based upon a two-step model: 1) a tax position must be more likely-than-not to be sustained based solely on its technical merits in order to be recognized, and 2) the benefit is measured as the largest dollar amount of that position that is more likely-than-not to be sustained upon settlement. The difference between the benefit recognized for a position and the tax benefit claimed on a tax return is referred to as an unrecognized tax benefit. We accrue income tax related interest and penalties, if applicable, within income tax expense.

Earnings Per Common Share

We apply the two-class method in calculating earnings per common share, or EPS, because our preferred stockholders are entitled to participate with our common stockholders in the distributions of earnings through dividends. The two-class method requires net income, after deduction of any preferred stock dividends, deemed dividends on preferred stock redemptions, and accretions in the carrying value on preferred stock, to be allocated between each class or series of common and preferred stockholders based on their respective rights to receive dividends, whether or not declared. Basic EPS is then calculated by dividing net income allocated to each class of common stockholders by the respective weighted-average common shares issued and outstanding.

We divide adjusted net income for each class of common stock by the respective weighted-average number of the common shares issued and outstanding for each period plus amounts representing the dilutive effect of outstanding stock options, restricted stock units, outstanding warrants, shares to be purchased under our employee stock purchase plan and the dilution resulting from the conversion of convertible securities, if applicable. We exclude the effects of convertible securities, outstanding warrants and stock options from the computation of diluted EPS in periods in which the effect would be anti-dilutive. We calculate dilutive potential common shares using the treasury stock method, if-converted method and the two-class method, as applicable.

Regulatory Matters and Capital Adequacy

As a bank holding company, we are subject to comprehensive supervision and examination by the Federal Reserve Board and must comply with applicable regulations, including minimum capital and leverage requirements. If we fail to comply with any of these requirements, we may become subject to formal or informal enforcement actions, proceedings, or investigations, which could result in regulatory orders, restrictions on our business operations or requirements to take corrective actions, which may, individually or in the aggregate, affect our results of operations and restrict our ability to grow. If we fail to comply with the applicable capital and leverage requirements, or if our subsidiary bank fails to comply with its applicable capital and leverage requirements, the Federal Reserve Board may limit our or Green Dot Bank's ability to pay dividends. In addition, as a bank holding company and a financial holding company, we are generally prohibited from engaging, directly or indirectly, in any activities other than those permissible for bank holding companies and financial holding companies. This restriction might limit our ability to pursue future business opportunities which we might otherwise consider but which might fall outside the scope of permissible activities.

Note 2—Summary of Significant Accounting Policies (continued)

We may also be required to serve as a “source of strength” to Green Dot Bank if it becomes less than adequately capitalized.

Recent Accounting Pronouncements

In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments - Recognition and Measurement of Financial Assets and Financial Liabilities (Topic 825) ("ASU 2016-01"). ASU 2016-01 revises the classification and measurement of investments in certain equity investments and the presentation of certain fair value changes for certain financial liabilities measured at fair value. ASU 2016-01 requires the change in fair value of many equity investments to be recognized in net income. The standard is effective for interim and annual periods beginning after December 15, 2017, with early adoption permitted. The adoption of the ASU may result in a cumulative adjustment to retained earnings as of the beginning of the year of adoption. We are currently evaluating the impact of the provisions of ASU 2016-01, however, we do not expect the adoption of the ASU to have a material impact on our consolidated financial statements.

In November 2015, the FASB issued ASU No. 2015-17, Balance Sheet Classification of Deferred Taxes ("ASU 2015-17"). ASU 2015-17 requires that deferred tax liabilities and assets be classified as noncurrent on the balance sheet. The ASU is effective for interim and annual periods beginning after December 15, 2016, but early adoption is permitted. We elected to early adopt this standard as of December 31, 2015 to simplify the presentation of our deferred income taxes and applied the guidance retrospectively to all periods presented. This change resulted in a reclassification of approximately $2.0 million in our net deferred tax assets and liabilities on our December 31, 2014 consolidated balance sheet. We do not deem the early adoption of the ASU to have a material impact on our consolidated financial statements for all periods presented.

In September 2015, the FASB issued ASU No. 2015-16, Business Combination (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments ("ASU 2015-16"). ASU 2015-16 requires adjustments to provisional amounts that are identified during the measurement period to be recognized in the reporting period in which the adjustment amounts are determined. This includes any effect on earnings from changes in depreciation, amortization, or other income effects as a result of changes to provisional amounts calculated as if the accounting had been completed at the acquisition date. In addition, the amendments in the ASU require an entity to disclose the nature and amount of measurement-period adjustments recognized in the current period that would have been recorded in previous reporting periods if the adjustments had been recognized as of the acquisition date. The amendments are effective for annual and interim periods beginning after December 15, 2015, with early adoption permitted. We have elected to early adopt the provisions of ASU 2015-16 as of December 31, 2015. The adoption of the ASU had no material impact on our consolidated financial statements.

In April 2015, the FASB issued ASU No. 2015-05, Customer's Accounting for Fees Paid in a Cloud Computing Arrangement ("ASU 2015-05"). This ASU provides guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The new guidance does not change the accounting for service contracts. ASU 2015-05 is effective for interim and annual reporting periods beginning after December 15, 2015. The adoption of the ASU is not expected to have a material impact on our consolidated financial statements.

In April 2015, the FASB issued ASU No. 2015-03, Simplifying the Presentation of Debt Issuance Costs ("ASU 2015-03") which changes the presentation of debt issuance costs in financial statements. ASU 2015-03 requires an entity to present such costs in the balance sheet as a direct deduction from the related debt liability rather than as an asset. Amortization of the costs will continue to be reported as interest expense. The ASU is effective for annual reporting periods beginning after December 15, 2015, with early adoption permitted. The new guidance will be applied retrospectively to each prior period presented. We have elected to early adopt the provisions of ASU 2015-03 as of December 31, 2015. The adoption of the ASU resulted in a reclassification of approximately $5.8 million and $7.4 million on our December 31, 2015 and 2014 consolidated balance sheets, respectively, between prepaid and other assets and our total note payable outstanding. Of these amounts, approximately $1.5 million is netted against the current portion of our note payable outstanding for all periods presented. The adoption of the ASU was not deemed to have a material impact on our consolidated balance sheets.

Note 2—Summary of Significant Accounting Policies (continued)

In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers ("ASU 2014-09"), which supersedes nearly all existing revenue recognition guidance under GAAP. The core principle of ASU 2014-09 is to recognize revenues when promised goods or services are transferred to customers in an amount that reflects the consideration to which an entity expects to be entitled for those goods or services. ASU 2014-09 defines a five step process to achieve this core principle and, in doing so, more judgment and estimates may be required within the revenue recognition process than are required under existing GAAP. Under ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of Effective Date, the revenue standard is effective for annual periods beginning after December 15, 2017, and interim periods therein, using either of the following transition methods: (i) a full retrospective approach reflecting the application of the standard in each prior reporting period with the option to elect certain practical expedients, or (ii) a retrospective approach with the cumulative effect of initially adopting ASU 2014-09 recognized at the date of adoption (which includes additional footnote disclosures). Early adoption is permitted for periods beginning after December 15, 2016. We are currently evaluating the impact of our pending adoption of ASU 2015-14 and ASU 2014-09 on our consolidated financial statements.

Business Acquisitions

12 Months Ended

Dec. 31, 2015

Business Combinations [Abstract]

Business Acquisitions

AccountNow, Inc.

In January 2015, we completed the acquisition of AccountNow, Inc. ("AccountNow"). We issued approximately 514,000 shares of our Class A common stock on the date of close and the remainder of the consideration in cash for a total purchase price of approximately $78.7 million. AccountNow's results of operations are included in our consolidated statements of operations following the acquisition date. We have not presented pro-forma results of operations because the effect of this acquisition was not material to our financial results.

At the time of acquisition, we recorded a preliminarily estimate for the fair value of the assets acquired and liabilities assumed based on facts and circumstances available at the time. The assets and liabilities acquired consisted of $3.3 million in cash and cash equivalents, $4.1 million in accounts and other receivables, $6.4 million in prepaid and other assets and $12.8 million in accrued liabilities. Additionally, we recorded a preliminary estimate of goodwill and intangible assets for $61.6 million and $16.1 million, respectively. Transaction costs associated with this acquisition were not material.

During the fourth quarter of 2015, we recorded a purchase price adjustment of $1.2 million to increase goodwill and reduce our deferred tax assets based on additional information not available at the time of acquisition. We may adjust this allocation after obtaining more information regarding, among other things, asset valuations, liabilities assumed, and revisions to preliminary estimates over the measurement period not to exceed 12 months from the date of acquisition.

SBBT Holdings, LLC

On October 23, 2014, we completed our acquisition of SBBT Holdings, LLC ("TPG"), a provider of integrated tax refund processing services. TPG's services are integrated into the offerings of the nation's leading tax software companies, which enables TPG to serve approximately 25,000 independent tax preparers and accountants nationwide. This transaction was accounted for as a business combination, and allowed us to expand into TPG's core customer segment by adding tax refund processing services for tax filers through distribution partnerships with many of America’s largest and best known tax preparation companies and independent tax preparers.

In connection with the acquisition, total consideration amounted to approximately $358.5 million, which included cash, stock and contingent consideration. We financed the transaction with $204.5 million in cash, of which $150.0 million was raised from our Term Facility, as discussed in Note 10 — Note Payable, and 6.1 million shares of our Class A common stock at a closing price of $21.86 (of which 1.1 million shares were deposited in an escrow fund to serve as a source of payment of any indemnification obligations).

Additionally, the transaction terms include a potential $80.0 million cash earn-out payable to the former owners of TPG based on TPG meeting certain pre-determined performance targets. The earn-out period spans from July to June each fiscal year from 2015 to 2017. Certain performance targets must be achieved each fiscal year in order to earn a corresponding portion of the cash earn-out. For fiscal year 2015, these performance targets were not met, and therefore no cash earn-out payments were made.

Note 3—Business Acquisitions (continued)

The following table summarizes the purchase price consideration.



	Consideration
	(In thousands)
Cash, including proceeds from Term Loan	$	204,471
Fair value of shares of Class A common stock issued	134,074
Fair value of contingent consideration	20,000
Total consideration	$	358,545

The allocation of the initial purchase price was as follows:



	October 23, 2014
	(In thousands)
Assets:
Cash and cash equivalents	$	2,154
Accounts receivable, net	1,883
Prepaid expenses and other assets	642
Property and equipment, net	5,590
Intangible assets	251,500
Goodwill	100,892
Total assets:	362,661

Liabilities:
Accounts payable and other liabilities	2,045
Other liabilities	2,071
Total liabilities:	4,116

Net assets acquired	$	358,545

Goodwill of $100.9 million represents the excess of the purchase price over the estimate of the fair value of the underlying identifiable tangible and intangible assets acquired and liabilities assumed. The goodwill arises from the opportunity for synergies and economies of scale from the combined companies, and expanding our reach into TPG's core customer segment by adding our financial products and services. Although the goodwill is not amortized for financial reporting purposes, it is anticipated that substantially all of the goodwill will be deductible for federal tax purposes over the statutory period of 15 years. During the year ended December 31, 2015, we recorded a subsequent purchase accounting adjustment for approximately $0.6 million for additional identified accrued liabilities that existed at the time of acquisition, with a corresponding adjustment to goodwill. As of December 31, 2015, the measurement period for our purchase accounting related to TPG was closed.

Intangible assets consist primarily of customer relationships and trade name of $215.0 million and $36.5 million, respectively. Each are amortized over their estimated useful lives of 15 years.

The operating results for the period from October 24, 2014 to December 31, 2014 of TPG are included in our consolidated statements of operations for the year ended December 31, 2014. Revenues and net losses for this period were $0.4 million and $7.6 million, respectively. TPG did not contribute a material amount of revenue during this period because TPG earns substantially all of its revenues and income during the tax season (January through April).

We incurred transaction costs of approximately $6.2 million in connection with the acquisition, which are included in other general and administrative expenses on our consolidated statement of operations for the year ended December 31, 2014.

Note 3—Business Acquisitions (continued)

Unaudited pro forma financial information

The following unaudited pro forma summary financial results present the consolidated results of operations as if the acquisition of TPG had occurred as of January 1, 2013, after the effect of certain adjustments, including interest expense on the debt used to fund the purchase, amortization of certain identifiable intangible assets, income and expense items not attributable to ongoing operations and related tax effects. The unaudited pro forma condensed consolidated statement of operations does not include any adjustments for any restructuring activities, operating efficiencies or cost savings. The pro forma results have been presented for comparative purposes only and are not indicative of what would have occurred had the TPG acquisition been made as of January 1, 2013, or of any potential results which may occur in the future.



	December 31,
	2014		2013
	(In thousands, except per share data)
Net revenues	$	681,506	$	655,060
Net income attributable to common stock	$	60,458	$	40,439
Basic earnings per common share	$	1.32	$	0.96
Diluted earnings per common share	$	1.30	$	0.94
Basic weighted-average common shares issued and outstanding	45,863		42,008
Diluted weighted-average common shares issued and outstanding	46,726		43,289

Other

We also completed two other business acquisitions during 2014 for an aggregate cash consideration of $25.5 million, equity consideration of $10.0 million, consisting of 0.5 million shares of our Class A common stock, and contingent consideration of $4.1 million. Of the total consideration, we allocated $16.5 million to goodwill, $22.2 million to intangible assets and $0.9 million to net assets acquired, including $1.6 million of cash acquired. The intangible assets consist primarily of customer relationships that will be amortized over 5 to 10 years. These acquisitions were not material, individually or in the aggregate.

- Definition

The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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+ Details

Investment Securities

12 Months Ended

Dec. 31, 2015

Investment 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)
December 31, 2015
Corporate bonds	$	33,201	$	—	$	(47	)	$	33,154
Commercial paper	6,504		3		(2		)	6,505
U.S. Treasury notes	17,541		—		(16		)	17,525
Agency securities	4,034		—		(19		)	4,015
Mortgage-backed securities	100,131		195		(554		)	99,772
Municipal bonds	1,954		11		(65		)	1,900
Asset-backed securities	18,725		—		(57		)	18,668
Total investment securities	$	182,090	$	209	$	(760	)	$	181,539

December 31, 2014
Corporate bonds	$	40,433	$	4	$	(48	)	$	40,389
Commercial paper	7,648		1		—			7,649
U.S. Treasury notes	14,782		5		(16		)	14,771
Agency securities	2,950		—		—			2,950
Mortgage-backed securities	35,420		119		(177		)	35,362
Municipal bonds	5,555		61		(21		)	5,595
Asset-backed securities	13,727		—		(12		)	13,715
Total investment securities	$	120,515	$	190	$	(274	)	$	120,431

As of December 31, 2015 and 2014, the gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows:



	Less than 12 months					12 months or more					Total fair value		Total unrealized loss
	Fair value		Unrealized loss			Fair value		Unrealized loss			Total fair value		Total unrealized loss
	(In thousands)
December 31, 2015
Corporate bonds	$	20,416	$	(22	)	$	10,679	$	(25	)	$	31,095	$	(47	)
Commercial paper	4,322		(2		)	—		—			4,322		(2		)
U.S. Treasury notes	17,525		(16		)	—		—			17,525		(16		)
Agency securities	4,015		(19		)	—		—			4,015		(19		)
Mortgage-backed securities	53,634		(410		)	21,518		(144		)	75,152		(554		)
Municipal bonds	—		—			1,035		(65		)	1,035		(65		)
Asset-backed securities	18,668		(57		)	—		—			18,668		(57		)
Total investment securities	$	118,580	$	(526	)	$	33,232	$	(234	)	$	151,812	$	(760	)

December 31, 2014
Corporate bonds	$	33,348	$	(48	)	$	—	$	—		$	33,348	$	(48	)
U.S. Treasury notes	6,068		(16		)	—		—			6,068		(16		)
Mortgage-backed securities	21,495		(163		)	1,143		(14		)	22,638		(177		)
Municipal bonds	—		—			419		(21		)	419		(21		)
Asset-backed securities	12,254		(12		)	—		—			12,254		(12		)
Total investment securities	$	73,165	$	(239	)	$	1,562	$	(35	)	$	74,727	$	(274	)

We did not record any other-than-temporary impairment losses during the years ended December 31, 2015 and 2014 on our available-for-sale investment securities. We do not intend to sell these investments and we have determined that it is more likely than not that we will not be required to sell these investments before recovery of their amortized cost bases, which may be at maturity.

Note 4—Investment Securities (continued)

As of December 31, 2015, the contractual maturities of our available-for-sale investment securities were as follows:



	Amortized cost		Fair value
	(In thousands)
Due in one year or less	$	49,146	$	49,106
Due after one year through five years	12,668		12,634
Due after five years through ten years	320		324
Due after ten years	1,100		1,035
Mortgage and asset-backed securities	118,856		118,440
Total investment securities	$	182,090	$	181,539

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

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	December 31, 2015			December 31, 2014
	(In thousands)
Overdrawn account balances due from cardholders	$	10,198		$	14,412
Reserve for uncollectible overdrawn accounts	(7,999		)	(11,196		)
Net overdrawn account balances due from cardholders	2,199			3,216

Trade receivables	10,644			8,265
Reserve for uncollectible trade receivables	(58		)	(16		)
Net trade receivables	10,586			8,249

Receivables due from card issuing banks	8,852			28,349
Fee advances	11,621			6,545
Other receivables	8,895			2,558
Accounts receivable, net	$	42,153		$	48,917

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



	Year Ended December 31,
	2015			2014			2013
	(In thousands)
Balance, beginning of period	$	11,196		$	10,363		$	15,677
Provision for uncollectible overdrawn accounts:
Fees	55,595			34,057			45,048
Purchase transactions	7,699			4,216			2,225
Charge-offs	(66,491		)	(37,440		)	(52,587		)
Balance, end of period	$	7,999		$	11,196		$	10,363

Loans to Bank Customers

12 Months Ended

Dec. 31, 2015

Loans and Leases Receivable Disclosure [Abstract]

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)
December 31, 2015
Residential	$	—		$	—		$	—		$	—		$	3,863		$	3,863
Commercial	—			—			19			19			294			313
Installment	2			—			—			2			2,527			2,529
Total loans	$	2		$	—		$	19		$	21		$	6,684		$	6,705

Percentage of outstanding	—		%	—		%	0.3		%	0.3		%	99.7		%	100.0		%

December 31, 2014
Residential	$	—		$	—		$	—		$	—		$	3,861		$	3,861
Commercial	—			—			—			—			697			697
Installment	1			3			4			8			2,428			2,436
Total loans	$	1		$	3		$	4		$	8		$	6,986		$	6,994

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

Nonperforming Loans

The following table presents the carrying value, gross of the related allowance for loan losses, of our nonperforming loans. See Note 2–Summary of Significant Accounting Policies for further information on the criteria for classification as nonperforming.



	December 31, 2015		December 31, 2014
	(In thousands)
Residential	$	366	$	54
Commercial	19		31
Installment	279		104
Total loans	$	664	$	189

Credit Quality Indicators

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

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



	December 31, 2015				December 31, 2014
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Residential	$	3,404	$	459	$	3,604	$	257
Commercial	294		19		635		62
Installment	2,173		356		2,306		130
Total loans	$	5,871	$	834	$	6,545	$	449

Note 6—Loans to Bank Customers (continued)

Impaired Loans and Troubled Debt Restructurings

When, for economic or legal reasons related to a borrower’s financial difficulties, we grant a concession for other than an insignificant period of time to a borrower that we would not otherwise consider, the related loan is classified as a Troubled Debt Restructuring, or TDR. Our TDR modifications related to extensions of the maturity dates at a stated interest rate lower than the current market rate for new debt with similar risk. The following table presents our impaired loans and loans that we modified as TDRs as of December 31, 2015 and 2014:



	December 31, 2015				December 31, 2014
	Unpaid Principal Balance		Carrying Value		Unpaid Principal Balance		Carrying Value
	(In thousands)
Residential	$	24	$	19	$	97	$	54
Commercial	257		19		270		31
Installment	241		128		367		104

Allowance for Loan Losses

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



	Year Ended December 31,
	2015			2014			2013
	(In thousands)
Balance, beginning of period	$	444		$	464		$	475
Provision (benefit) for loans	(38		)	20			—
Loans charged off	(44		)	(66		)	(25		)
Recoveries of loans previously charged off	64			26			14
Balance, end of period	$	426		$	444		$	464

- 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

Property and Equipment

12 Months Ended

Dec. 31, 2015

Property and Equipment [Abstract]

Property and Equipment

Property and equipment consisted of the following:



	December 31,
	2015			2014
	(In thousands)
Land	$	205		$	205
Building	605			605
Computer equipment, furniture, and office equipment	45,508			45,525
Computer software purchased	16,900			20,363
Capitalized internal-use software	113,721			89,023
Tenant improvements	9,914			9,172
	186,853			164,893
Less accumulated depreciation and amortization	(107,976		)	(87,609		)
Property and equipment, net	$	78,877		$	77,284

Depreciation and amortization expense was $38.5 million, $32.5 million and $27.0 million for the years ended December 31, 2015, 2014 and 2013, respectively. Included in those amounts are depreciation expense related to internal-use software of $23.0 million, $18.4 million and $15.0 million for the years ended December 31, 2015, 2014 and 2013, respectively. We recorded impairment charges of $5.9 million and $5.2 million for the years ended December 31, 2015 and 2013, respectively, associated with capitalized internal-use software we determined to no longer be utilized and any remaining carrying value was written off. There were no such impairment charges for the year ended December 31, 2014. The net carrying value of capitalized internal-use software was $47.6 million and $39.8 million at December 31, 2015 and 2014, respectively.

Goodwill and Intangible Assets

12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

Goodwill and intangible assets on our consolidated balance sheets consisted of the following:



	December 31,
	2015		2014
	(In thousands)
Goodwill	$	208,079	$	144,662
Intangible assets, net	265,700		272,538
Goodwill and intangible assets	$	473,779	$	417,200

Goodwill

Changes in the carrying amount of goodwill were as follows:



	December 31,
	2015			2014
	(In thousands)
Balance, beginning of period	$	144,662		$	27,250
Acquisitions	64,713			117,412
Adjustments related to final purchase accounting	(1,296		)	—
Balance, end of period	$	208,079		$	144,662

During the three months ended December 31, 2015, we completed our annual goodwill impairment test as of September 30, 2015. Based on the results of step one of the annual goodwill impairment test, we determined that step two was not required for each of our reporting units as their fair values exceeded their carrying values indicating there was no impairment.

Intangible Assets

The gross carrying amounts and accumulated amortization related to intangibles assets were as follows:



	December 31, 2015							December 31, 2014
	Gross Carrying Value		Accumulated Amortization			Net Book Value		Gross Carrying Value		Accumulated Amortization			Net Book Value		Weighted Average Useful Lives
	(In thousands)							(In thousands)							(Years)
Customer relationships	$	251,273	$	(23,862	)	$	227,411	$	236,387	$	(4,039	)	$	232,348	13.9
Trade names	38,586		(3,353		)	35,233		37,385		(546		)	36,839		14.5
Patents	3,000		(273		)	2,727		3,000		—			3,000		11.0
Other	964		(635		)	329		937		(586		)	351		9.3
Total intangible assets	$	293,823	$	(28,123	)	$	265,700	$	277,709	$	(5,171	)	$	272,538

Amortization expense on finite-lived intangibles, a component of other general and administrative expenses, was $23.2 million, $4.5 million, and $0.1 million for the years ended December 31, 2015, 2014, and 2013, respectively. None of our intangible assets were considered impaired as of December 31, 2015 or 2014.

The following table shows our estimated amortization expense for intangible assets for each of the next five succeeding years and thereafter :



	December 31,
	(In thousands)
2016	$	23,047
2017	23,029
2018	23,028
2019	22,860
2020	18,853
Thereafter	154,883
Total	$	265,700

- Definition

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

+ References + Details

Deposits

12 Months Ended

Dec. 31, 2015

Deposits [Abstract]

Deposits

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



	December 31,
	2015		2014
Non-interest bearing deposit accounts	(In thousands)
GPR deposits	$	610,652	$	529,779
Other demand deposits	23,644		19,631
Total non-interest bearing deposit accounts	634,296		549,410
Interest-bearing deposit accounts
Negotiable order of withdrawal (NOW)	851		905
Savings	8,848		7,985
Time deposits, denominations greater than or equal to $100	6,268		5,263
Time deposits, denominations less than $100	1,882		1,838
Total interest-bearing deposit accounts	17,849		15,991
Total deposits	$	652,145	$	565,401

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



	December 31,
	(In thousands)
Due in 2016	$	3,483
Due in 2017	2,561
Due in 2018	455
Due in 2019	338
Due in 2020	1,313
Total time deposits	$	8,150

Note Payable

12 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Note Payable

In October 2014, we entered into a $225.0 million credit agreement with Bank of America, N.A., as an administrative agent, Wells Fargo Bank, National Association, and the other lenders party thereto. The credit agreement provides for 1) a $75.0 million five-year revolving facility (the "Revolving Facility") and 2) a five-year $150.0 million term loan facility ("Term Facility" and, together with the Revolving Facility, the "Senior Credit Facility"). The credit agreement also includes an accordion feature that, subject to securing additional commitments from existing lenders or new lending institutions, will allow us to increase the aggregate amount of these facilities by up to an additional $50.0 million. We drew the entire Term Facility on October 23, 2014, and used the proceeds to finance our acquisition of SBBT Holdings, LLC, as discussed in Note 3 — Business Acquisitions. We use the proceeds of any borrowings under the Revolving Facility for working capital and other general corporate purposes, subject to the terms and conditions set forth in the credit agreement.

As of December 31, 2015 and 2014, our outstanding debt consisted of the following, net of deferred financing costs of $5.8 million and $7.4 million, respectively:



	December 31, 2015		December 31, 2014
	(In thousands)
Term facility	$	121,652	$	142,617
Revolving facility	—		—
Total notes payable	$	121,652	$	142,617

Note 10—Note Payable (continued)

Interest and other fees

At our election, loans made under the credit agreement bear interest at 1) a LIBOR rate (the “LIBOR Rate") or 2) a base rate determined by reference to the highest of (a) the Bank of America prime rate, (b) the United States federal funds rate plus 0.50% and (c) a daily rate equal to one-month LIBOR rate plus 1.0% (the “Base Rate"), plus in either case an applicable margin. The applicable margin for borrowings depends on our total leverage ratio and varies from 2.50% to 3.00% for LIBOR Rate loans and 1.50% to 2.00% for Base Rate loans. The effective interest rate on borrowings outstanding as of December 31, 2015 was 3.17%. Interest expense related to our Senior Credit Facility was $4.3 million and $0.9 million for the years ended December 31, 2015 and 2014, respectively.

We also pay a commitment fee, which varies from 0.30% to 0.40% per annum on the actual daily unused portions of the Revolving Facility. Letter of credit fees are payable in respect of outstanding letters of credit at a rate per annum equal to the applicable margin for LIBOR Rate loans.

Maturity and payments

The Revolving Facility matures, the commitments thereunder terminate, and all amounts then outstanding thereunder are payable on October 23, 2019.

Quarterly principal payments of $5.6 million are payable on the loans under the Term Facility. The loans made under the Term Facility mature and all amounts then outstanding thereunder are payable on October 23, 2019.

The following table sets forth future annual contractual principal payment commitments as of December 31, 2015:



	December 31,
	(In thousands)
2016	$	22,500
2017	22,500
2018	22,500
2019	60,000
Total	$	127,500

We have the option to prepay the borrowings under the Senior Credit Facility without premium or penalty (other than customary breakage costs). The credit agreement requires us to repay certain amounts outstanding thereunder with (1) net cash proceeds of certain asset sales or other dispositions that exceed certain thresholds, to the extent such proceeds are not reinvested or committed to be reinvested in the business in accordance with customary reinvestment provisions and (2) net cash proceeds of the incurrence of certain indebtedness. Borrowings under the Senior Credit Facility are guaranteed by each of our domestic subsidiaries (the "Guarantor"), other than certain excluded subsidiaries (including bank subsidiaries) and subject to certain other exceptions set forth in the credit agreement. Obligations under the Senior Credit Facility are secured by first priority liens on, and security interests in, substantially all of our assets and each Guarantor, subject to certain customary exceptions.

Covenants and restrictions

The Senior Credit Facility contains customary representations and warranties relating to us and our subsidiaries. The Senior Credit Facility also contains certain affirmative and negative covenants including negative covenants that limit or restrict, among other things, liens, indebtedness, investments and acquisitions, mergers and fundamental changes, asset sales, restricted payments, changes in the nature of the business, transactions with affiliates and other matters customarily restricted in such agreements. We must maintain a minimum fixed charge coverage ratio and a maximum consolidated leverage ratio at the end of each fiscal quarter, as set forth in the credit agreement. At December 31, 2015, we were in compliance with all such covenants.

If an event of default shall occur and be continuing under the Senior Credit Facility, the commitments may be terminated and the principal amounts outstanding under the Senior Credit Facility, together with all accrued unpaid interest and other amounts owing in respect thereof, may be declared immediately due and payable.

Stockholders' Equity	12 Months Ended
Stockholders' Equity	Dec. 31, 2015
Stockholders' Equity Note [Abstract]
Stockholders' Equity	Stockholders’ Equity Convertible Preferred Stock In December 2011, we filed a restated Certificate of Incorporation that authorized 10,085 shares of Series A Convertible Junior Participating Non-Cumulative Perpetual Preferred Stock, or Series A Preferred Stock. We then entered into and completed a share exchange with a significant shareholder, whereby 6,859,000 shares of our Class B common stock were exchanged for 6,859 shares of our newly created series of preferred stock. During the year ended December 31, 2014, 5,345 shares of Series A Convertible Junior Participating Non-Cumulative Perpetual Preferred Stock converted into 5,345,000 shares of Class A Common Stock. As of December 31, 2015 and 2014, 1,515 shares were outstanding. Our Certificate of Incorporation specified the following rights, preferences, and privileges for our Series A preferred stockholders. Voting Series A Preferred Stock is non-voting, subject to limited exceptions. Dividends Holders of shares of the Series A Preferred Stock are entitled to receive ratable dividends (on an as-converted basis, taking into account the conversion rate applicable to the Series A Preferred Stock at the time) only as, if and when any dividends are paid in respect of our Class A Common Stock. Liquidation In the event of any liquidation, dissolution or winding-up of the affairs of our company (excluding a Reorganization Event (defined below)), of the assets of our company or the proceeds thereof legally available for distribution to our stockholders are distributable ratably among the holders of our Class A Common Stock and any Series A Preferred Stock outstanding at that time after payment to the holders of shares of our Series A Preferred Stock of an amount per share equal to (i) $0.01 plus (ii) any dividends on our Series A Preferred Stock that have been declared but not paid prior to the date of payment of such distribution. In connection with any merger, sale of all or substantially all of the assets or other reorganization involving our company (a “Reorganization Event”) and in which our Class A Common Stock is converted into or exchanged for cash, securities or other consideration, holders of shares of our Series A Preferred Stock will be entitled to receive ratable amounts (on an as-converted basis, taking into account the conversion rate applicable to Series A Preferred Stock at the time) of the same consideration as is payable to holders of our Class A Common Stock pursuant to a Reorganization Event. Conversion Our Series A Preferred Stock is not convertible into any other security except that it converts into Class A Common Stock if it is transferred by a holder (i) in a widespread public distribution, (ii) in a private sale or transfer in which the transferee acquires no more than 2% of any class of voting shares of our company, (iii) to a transferee that owns or controls more than 50% of the voting shares of our company without regard to any transfer from the transferring shareholder or (iv) to our company. Each share of Series A Preferred Stock so transferred will automatically convert into 1,000 shares (subject to appropriate adjustment for any stock split, reverse stock split, stock dividend, recapitalization or other similar event) of our Class A Common Stock. Common Stock 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. Our Certificate of Incorporation specifies the following rights, preferences, and privileges for our common stockholders. Voting Holders of our Class A common stock are entitled to one vote per share. Note 11—Stockholders’ Equity (continued) We have not provided for cumulative voting for the election of directors in our restated Certificate of Incorporation. In addition, our Certificate of Incorporation provides that a holder, or group of affiliated holders, of more than 24.9% of our common stock may not vote shares representing more than 14.9% of the voting power represented by the outstanding shares of our Class A common stock. Dividends Subject to preferences that may apply to any shares of preferred stock outstanding at the time, the holders of outstanding shares of our Class A common stock are entitled to receive dividends out of funds legally available at the times and in the amounts that our board of directors may determine. In the event a dividend is paid in the form of shares of common stock or rights to acquire shares of common stock, the holders of Class A common stock will receive Class A common stock, or rights to acquire Class A common stock, as the case may be. Liquidation Upon our liquidation, dissolution or winding-up, the assets legally available for distribution to our stockholders would be distributable ratably among the holders of our Class A common stock and any participating preferred stock outstanding at that time after payment of liquidation preferences, if any, on any outstanding shares of our preferred stock and payment of other claims of creditors. Preemptive or Similar Rights Our Class A common stock is not entitled to preemptive rights or subject to redemption. Non-Employee Stock-Based Payments Shares Subject to Repurchase In May 2010, we amended our commercial agreement with Walmart, our largest retail distributor, and GE Money Bank. The agreement commenced on May 1, 2010 with a five-year term. As an incentive to amend our prepaid card program agreement, we issued Walmart 2,208,552 shares of our Class A common stock. These shares were subject to our right to repurchase them at $0.01 per share upon termination of our agreement with Walmart other than a termination arising out of our knowing, intentional and material breach of the agreement. Our right to repurchase the shares lapsed with respect to 36,810 shares per month over the five-year term of the agreement. Our right to repurchase shares lapsed completely during the year ended December 31, 2015, and therefore, there were no shares subject to our repurchase right as of December 31, 2015. As of December 31, 2014 there were 147,192 shares of Class A common stock issued to Walmart subject to our repurchase right. Registration Rights Agreements Registration Rights Agreement dated as of May 27, 2010 as amended We are a party to a Ninth Amended and Restated Registration Rights Agreement, dated as of May 27, 2010, as amended (the "Registration Rights Agreement") with certain of our investors, pursuant to which we have granted those persons or entities the right to register shares of common stock held by them under the Securities Act of 1933, as amended, or the Securities Act. Holders of these rights are entitled to demand that we register their shares of common stock under the Securities Act so long as certain conditions are satisfied and require us to include their shares of common stock in future registration statements that may be filed, either for our own account or for the account of other security holders exercising registration rights. In addition, after an initial public offering, these holders have the right to request that their shares of common stock be registered on a Form S-3 registration statement so long as certain conditions are satisfied and the anticipated aggregate sales price of the registered shares as of the date of filing of the Form S-3 registration statement is at least $1.0 million. The foregoing registration rights are subject to various conditions and limitations, including the right of underwriters of an offering to limit the number of registrable securities that may be included in an offering. The registration rights terminate as to any particular shares on the date on which the holder sells such shares to the public in a registered offering or pursuant to Rule 144 under the Securities Act. We are generally required to bear all of the expenses of these registrations, except underwriting commissions, selling discounts and transfer taxes. Note 11—Stockholders’ Equity (continued) We are not obligated under the Registration Rights Agreement to transfer consideration, whether in cash, equity instruments, or adjustments to the terms of the financial instruments that are subject to the registration payment arrangement, to the investors, if the registration statement is not declared effective within the specified time or if effectiveness of the registration statement is not maintained. The Registration Rights Agreement expired pursuant to its terms in July 2015. Registration Rights Agreement dated as of October 23, 2014 We are party to a Registration Rights Agreement, dated as of October 23, 2014, with certain persons listed on Exhibit A thereto (the “New Registration Rights Agreement”), which we entered into in connection with our acquisition of TPG. The terms of the New Registration Rights Agreement grant the selling stockholders (and their successors and permitted assigns who hold shares of our Class A common stock in accordance with the New Registration Rights Agreement) certain rights with respect to the registration of their shares under the Securities Act. We were required to file a Form S-3 shelf registration statement to register the shares of Class A common stock issued in the acquisition of TPG as soon as reasonably practicable after the closing of the acquisition and to cause the registration statement to be declared effective within 75 days of the closing of the merger. We filed the Form S-3 registration statement with the SEC on December 12, 2014. Subject to certain exceptions, we must keep the Form S-3 registration statement continuously effective until the earlier of (x) the date following the second anniversary of the closing of the acquisition on which there remain fewer than 1,840,001 registrable securities (i.e., approximately 30% of the aggregate shares of our common stock issued in the acquisition) and (y) the 30 month anniversary of the acquisition closing. The New Registration Rights Agreement grants holders holding at least $30 million of registrable securities the right to cause us to effect up to two underwritten offerings under the Form S-3 registration statement of, in each case, registrable securities having an aggregate offering price of at least $30 million. The foregoing registration rights are subject to various conditions and limitations, including the right of underwriters of an offering to limit the number of registrable securities that may be included in an offering. The registration rights under the New Registration Rights Agreement will terminate as to any particular shares on the date on which the holder sells such shares to the public in a registered offering or pursuant to Rule 144 under the Securities Act. We will generally pay all expenses, other than underwriting discounts and commissions, transfer taxes and the fees and disbursements of more than one counsel for the selling stockholders, incurred in connection with the registration described above. Refer to Note 3 — Business Acquisitions for additional information regarding our acquisition of TPG. Comprehensive Income The tax impact on unrealized losses on investment securities available-for-sale for the years ended December 31, 2015, 2014 and 2013 was approximately $0.3 million, $0.0 million and $0.1 million, respectively. Stock Repurchase Program In June 2015, our Board of Directors authorized a repurchase of shares of our Class A Common Stock in an amount up to $150 million under a stock repurchase program ("Repurchase Program") with no expiration date. The Repurchase Program may be carried out at the direction of management, subject to the limitations set forth in Rule 10b-18 of the Securities Exchange Act of 1934 ("Exchange Act") and other legal requirements, and any further limitations that may be established by the Board of Directors. Repurchases may be made through open market purchases, block trades, and in negotiated private transactions. The stock may be repurchased on an ongoing basis and will be subject to the availability of stock, general market conditions, the trading price of the stock, alternative uses for capital and our financial performance. As of December 31, 2015 we have repurchased $41.7 million of Class A Common Stock under the Repurchase Program. In September 2015, we entered into an accelerated share repurchase ("ASR") agreement with a financial institution to repurchase shares of our common stock as part of our repurchase program. Under the ASR agreement, in exchange for an up-front payment of $40 million, we received an initial delivery of approximately 1.8 million shares on September 4, 2015 based on the then current market price of our stock. The ASR agreement was accounted for in two separate transactions: 1) a retirement of the initial shares received from the repurchase and 2) a forward stock purchase contract indexed to our own stock for the unsettled portion of the ASR. We recorded treasury stock of $32 million, which reflects the value of the initial shares received from the financial institution and an $8 million decrease to additional paid-in capital, which reflects the implied value of the forward contract for the shares withheld by the financial institution. The ASR met all of the applicable criteria for equity classification, and therefore were not accounted for as derivative Note 11—Stockholders’ Equity (continued) instruments. During the quarter ended December 31, 2015, we retired the 1.8 million shares repurchased under the ASR agreement, but they remain authorized for registration and issuance in the future. The final number of shares received upon settlement for the ASR is determined based on the volume-weighted average price of our common stock over the term of the agreement less an agreed upon discount and subject to adjustments pursuant to the terms and conditions of the ASR. Upon settlement, we will either receive additional shares from the financial institution or we may be required to deliver additional shares or cash to the financial institution, at our election. The ASR agreement was settled in full on January 2, 2016 and the total number of shares repurchased was approximately 2.3 million at an average price of $17.08 per share. In connection with the Repurchase Program, we entered into a repurchase plan in December 2015 under Rule 10b5-1 of the Exchange Act for $10 million. The timing, nature and amount of purchases depend on a variety of factors, including market conditions and the volume limit defined by Rule 10b-18. As of December 31, 2015, we had repurchased a total of 0.1 million shares at an average price of $16.49 per share for a total cost of $1.7 million under this plan. Repurchases under this 10b5-1 plan were completed in January 2016. Total repurchases under this plan amounted to approximately 0.6 million shares at an average price of $16.15. The initial repurchase of our shares resulted in an immediate reduction of the outstanding shares used to calculate the weighted-average common shares outstanding for basic and diluted earnings per share.

- 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
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-Name Accounting Standards Codification
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Reference 7: http://www.xbrl.org/2003/role/presentationRef
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Reference 8: http://www.xbrl.org/2003/role/presentationRef
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Reference 9: http://www.xbrl.org/2003/role/presentationRef
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-URI http://asc.fasb.org/extlink&oid=6521494

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-Paragraph d
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Reference 15: http://www.xbrl.org/2003/role/presentationRef
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Reference 16: http://www.xbrl.org/2003/role/presentationRef
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Reference 17: http://www.xbrl.org/2003/role/presentationRef
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Reference 18: http://www.xbrl.org/2003/role/presentationRef
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Reference 19: http://www.xbrl.org/2003/role/presentationRef
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-Article 3

+ Details

Employee Stock-Based Compensation

12 Months Ended

Dec. 31, 2015

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

Employee Stock-Based Compensation

In January 2001, we adopted the 2001 Stock Plan. The 2001 Stock Plan provided for the granting of incentive stock options, nonqualified stock options and other stock awards. Options granted under the 2001 Stock Plan generally vest over four years and expire five years or ten years from the date of grant. This stock plan is no longer in effect with the automatic conversion of all Class B Common Stock to Class A Common Stock in August 2013 as noted within Note 11—Stockholders’ Equity.

In June 2010, our board of directors adopted, and in July 2010 our stockholders approved, the 2010 Equity Incentive Plan, which replaced our 2001 Stock Plan, and the 2010 Employee Stock Purchase Plan. The 2010 Equity Incentive Plan authorizes the award of stock options, restricted stock awards, stock appreciation rights, restricted stock units, performance shares and stock bonuses. Options granted under the 2010 Equity Incentive Plan generally vest over four years and expire five years or ten years from the date of grant. The 2010 Employee Stock Purchase Plan enables eligible employees to purchase shares of our Class A common stock periodically at a discount. Our 2010 Employee Stock Purchase Plan is intended to qualify as an employee stock purchase plan under Section 423 of the Internal Revenue Code.

Upon adoption, we reserved 2,000,000 shares and 200,000 shares of our Class A common stock for issuance under our 2010 Equity Incentive Plan and 2010 Employee Stock Purchase Plan, respectively. The number of shares reserved for issuance under our 2010 Equity Incentive Plan and our 2010 Employee Stock Purchase Plan automatically increases on the first day of January of each of 2011 through 2014 and 2011 through 2018, respectively, by up to a number of shares equal to 3% of the total outstanding shares our Class A common stock as of the immediately preceding December 31st. Our board of directors or its compensation committee may reduce the amount of the annual increase under the 2010 Equity Incentive Plan or 2010 Employee Stock Purchase Plan in any particular year. At our 2014 Annual Meeting of Stockholders, our stockholders approved amendments to our 2010 Equity Incentive Plan to increase the number of shares reserved for issuance by 3,400,000 shares. Approximately 2.4 million shares are available for grant under the 2010 Equity Incentive Plan as of December 31, 2015.

Stock-based compensation for the years ended December 31, 2015, 2014, and 2013 includes expense related to awards of stock options and restricted stock units and purchases under the 2010 Employee Stock Purchase Plan. Total stock-based compensation expense and the related income tax benefit were as follows:



	Year Ended December 31,
	2015		2014		2013
	(In thousands)
Total stock-based compensation expense	$	27,011	$	20,329	$	14,703
Related income tax benefit	8,602		6,949		4,007

Note 12—Employee Stock-Based Compensation (continued)

Excluding non-plan equity awards granted in 2013, options and restricted stock units granted on or after July 21, 2010 are issued under the 2010 Equity Incentive Plan and options granted prior to July 21, 2010 were issued under the 2001 Stock Plan, the predecessor to our 2010 Equity Incentive Plan. We have reserved shares of our Class A common stock for issuance under the 2010 Equity Incentive Plan.

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



	Year Ended December 31,
	2015		2014		2013
	(In thousands, except per share data)
Stock options granted	—		106		2,236
Weighted-average exercise price	$	—	$	20.92	$	18.88
Weighted-average grant-date fair value	$	—	$	10.75	$	7.20

Restricted stock units granted	1,980		2,035		1,272
Weighted-average grant-date fair value	$	16.34	$	19.49	$	22.16

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



	Year Ended December 31,
	2015		2014		2013
Risk-free interest rate	—	%	1.8	%	1.2	%
Expected term (life) of options (in years)	—		5.79		5.86
Expected dividends	—		—		—
Expected volatility	—	%	54.0	%	43.4	%

Determining the fair value of stock-based awards at their respective grant dates requires considerable judgment, including estimating expected volatility and expected term (life). We based our expected volatility on the historical volatility of comparable public companies over the option’s expected term. We calculated our expected term based on the simplified method, which is the mid-point between the weighted-average graded-vesting term and the contractual term. The simplified method was chosen as a means to determine expected term as we have limited historical option exercise experience as a public company. We derived the risk-free rate from the average yield for the five-and seven-year zero-coupon U.S. Treasury Strips. We estimate forfeitures at the grant date based on our historical forfeiture rate and revise the estimate, if necessary, in subsequent periods if actual forfeitures differ from those estimates.

Stock option activity for the year ended December 31, 2015 was as follows:



	Options		Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Life (in Years)	Aggregate Intrinsic Value
	(In thousands, except per share data and years)
Outstanding at December 31, 2014	3,622		$	18.91
Options granted	—		—
Options exercised	(98	)	12.55
Options canceled	(176	)	21.40
Outstanding at December 31, 2015	3,348		$	18.97	5.70	$	5,921
Vested or expected to vest at December 31, 2015	3,320		18.96		5.68	$	5,907
Exercisable at December 31, 2015	2,679		18.99		5.33	$	5,351

The total intrinsic value of options exercised was $0.5 million, $14.0 million and $17.9 million for the years ended December 31, 2015, 2014, and 2013, respectively.

Note 12—Employee Stock-Based Compensation (continued)

Restricted stock unit activity for the year ended December 31, 2015 was as follows:



	Shares		Weighted-Average Grant-Date Fair Value
	(In thousands)
Outstanding at December 31, 2014	2,752		$	20.18
Restricted stock units granted	1,980		$	16.14
Restricted stock units canceled	(493	)	$	19.31
Restricted stock units vested	(793	)	$	20.12
Outstanding at December 31, 2015	3,446		$	17.99

The total fair value of shares vested for the years ended December 31, 2015, 2014 and 2013 was $14.0 million, $8.2 million and $4.5 million, respectively, based on the price of our Class A common stock on the vesting date.

As of December 31, 2015, there was $5.3 million and $45.7 million of aggregate unrecognized compensation cost related to unvested stock options and restricted stock units, respectively, expected to be recognized in compensation expense in future periods, with a weighted-average period of 1.44 years and 2.67 years, respectively.

Stock-Based Retailer Incentive Compensation

As discussed in Note 11 — Stockholders’ Equity, we issued Walmart 2,208,552 shares of our Class A common stock. We recognize the fair value of 36,810 shares each month over the five-year term of the commercial agreement. An early expiration of our right to repurchase as described above would, however, result in the recognition of the fair value of all the shares still subject to repurchase on the date of the expiration. We currently assess an early expiration of our repurchase right to be remote. We record the fair value recognized as stock-based retailer incentive compensation, a contra-revenue component of our total operating revenues. We recognize monthly the fair value of the shares for which our right to repurchase has lapsed using the then-current fair market value of our Class A common stock. We recognized $2.5 million, $8.9 million and $8.7 million of stock-based retailer incentive compensation for the years ended December 31, 2015, 2014, and 2013, respectively. Our repurchase right lapsed completely in April 2015, and we no longer recorded stock-based compensation beginning in May 2015.

Income Taxes

12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Income Taxes

The components of income tax expense included in our consolidated statements of operations were as follows:



	Year Ended December 31,
	2015			2014			2013
	(In thousands)
Current:
Federal	$	18,988		$	24,382		$	11,880
State	1,104			1,368			1,116
Foreign	21			—			—
Current income tax expense	20,113			25,750			12,996
Deferred:
Federal	(138		)	760			6,776
State	(287		)	(224		)	(1,312		)
Foreign	19			(73		)	—
Deferred income tax expense	(406		)	463			5,464
Income tax expense	$	19,707		$	26,213		$	18,460

Note 13—Income Taxes (continued)

Income tax expense 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:



	Year Ended December 31,
	2015		2014		2013
U.S. federal statutory tax rate	35.0	%	35.0	%	35.0	%
State income taxes, net of federal benefit	0.4		1.1		(0.2	)
General business credits	(0.9	)	(1.3	)	(2.3	)
Employee stock-based compensation	0.8		0.7		1.4
Transaction costs	(2.1	)	1.8		—
Other	0.7		0.7		1.2
Effective tax rate	33.9	%	38.0	%	35.1	%

The decrease in the effective tax rate for the year ended December 31, 2015 as compared to the year ended December 31, 2014 is primarily attributable to transaction costs.

The tax effects of temporary difference that give rise to significant portions of our deferred tax assets and liabilities were as follows:



	December 31,
	2015		2014
	(In thousands)
Deferred tax assets:
Net operating loss carryforwards	$	14,726	$	15,172
Stock-based compensation	12,535		9,317
Reserve for overdrawn accounts	3,162		4,422
Accrued liabilities	6,206		5,866
Tax credit carryforwards	2,592		3,131
Other	2,531		2,151
Gross deferred tax assets	41,752		40,059
Valuation allowance	—		—
Total deferred tax assets, net of valuation allowance	$	41,752	$	40,059
Deferred tax liabilities:
Internal-use software costs	$	17,955	$	14,880
Property and equipment, net	1,669		3,924
Deferred expenses	4,730		5,856
Intangible assets	10,623		3,467
Gift card revenue	4,183		7,951
Other	—		1,708
Total deferred tax liabilities	39,160		37,786
Net deferred tax assets	$	2,592	$	2,273

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 December 31, 2015, we did not have a valuation allowance on any of our deferred tax assets as we believed it was more-likely-than-not that we would realize the benefits of our deferred tax assets.

We are subject to examination by the Internal Revenue Service, or IRS, and various state tax authorities. Our consolidated federal income tax returns for five-months ended December 31, 2009 and the years ended December 31, 2010, 2011 and 2012 are currently under examination by the IRS. We remain subject to examination of our federal income tax returns for the years ended December 31, 2013 and 2014. We generally remain subject to examination of our various state income tax returns for a period of four to five years from the respective dates the returns were filed.

As of December 31, 2015, we have net operating loss carryforwards of approximately $46.2 million and $35.1 million for federal and state tax purposes, respectively, which will be available to offset future income. If not used, these carryforwards will expire between 2017 and 2035. In addition, we have state business tax credits of approximately

Note 13—Income Taxes (continued)

$5.8 million that can be carried forward indefinitely and other state business tax credits of approximately $0.9 million that will expire 2025.

As of December 31, 2015 and 2014, we had a liability of $7.4 million and $6.2 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:



	Year Ended December 31,
	2015		2014		2013
	(In thousands)
Beginning balance	$	6,189	$	3,724	$	1,481
Increases related to positions taken during prior years	759		856		931
Increases related to positions taken during the current year	423		1,609		1,312
Ending balance	$	7,371	$	6,189	$	3,724

The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$	7,371	$	6,189	$	3,724

We recognized accrued interest and penalties related to unrecognized tax benefits for the years ended December 31, 2015, 2014 and 2013, of approximately $0.2 million, $0.4 million and $0.3 million, respectively.

Earnings per Common Share

12 Months Ended

Dec. 31, 2015

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.

The calculation of basic and diluted EPS was as follows:



	Year Ended December 31,
	2015			2014			2013
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	38,415		$	42,693		$	34,040
Income attributable to preferred stock	(1,102		)	(4,842		)	(5,360		)
Income attributable to other classes of common stock	(21		)	(349		)	(642		)
Net income allocated to Class A common stockholders	$	37,292		$	37,502		$	28,038
Weighted-average Class A shares issued and outstanding	51,332			40,907			35,875
Basic earnings per Class A common share	$	0.73		$	0.92		$	0.78

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	37,292		$	37,502		$	28,038
Re-allocated earnings	11			94			172
Diluted net income allocated to Class A common stockholders	$	37,303		$	37,596		$	28,210
Weighted-average Class A shares issued and outstanding	51,332			40,907			35,875
Dilutive potential common shares:
Stock options	293			640			1,078
Restricted stock units	243			220			203
Employee stock purchase plan	7			3			—
Diluted weighted-average Class A shares issued and outstanding	51,875			41,770			37,156
Diluted earnings per Class A common share	$	0.72		$	0.90		$	0.76

Note 14—Earnings per Common Share (continued)

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:



	Year Ended December 31,
	2015	2014	2013
	(In thousands)
Class A common stock
Options to purchase Class A common stock	650	598	994
Restricted stock units	31	15	39
Conversion of convertible preferred stock	1,518	5,282	6,859
Total options, restricted stock units and convertible preferred stock	2,199	5,895	7,892

Fair Value Measurements

12 Months Ended

Dec. 31, 2015

Fair Value Disclosures [Abstract]

Fair Value Measurements

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.

As of December 31, 2015 and 2014, our assets and liabilities carried at fair value on a recurring basis were as follows:



	Level 1		Level 2		Level 3		Total Fair Value
December 31, 2015	(In thousands)
Assets
Corporate bonds	$	—	$	33,154	$	—	$	33,154
Commercial paper	—		6,505		—		6,505
U.S. Treasury notes	—		17,525		—		17,525
Agency securities	—		4,015		—		4,015
Mortgage-backed securities	—		99,772		—		99,772
Municipal bonds	—		1,900		—		1,900
Asset-backed securities	—		18,668		—		18,668
Total assets	$	—	$	181,539	$	—	$	181,539

Liabilities
Contingent consideration	$	—	$	—	$	13,889	$	13,889

December 31, 2014
Assets
Corporate bonds	$	—	$	40,389	$	—	$	40,389
Commercial paper	—		7,649		—		7,649
U.S. Treasury notes	—		14,771		—		14,771
Agency securities	—		2,950		—		2,950
Mortgage-backed securities	—		35,362		—		35,362
Municipal bonds	—		5,595		—		5,595
Asset-backed securities	—		13,715		—		13,715
Total assets	$	—	$	120,431	$	—	$	120,431

Liabilities
Contingent consideration	$	—	$	—	$	23,160	$	23,160

Note 15—Fair Value Measurements (continued)

We based the fair value of our fixed income securities held as of December 31, 2015 and 2014 on quoted prices in active markets for similar assets. We had no transfers between Level 1, Level 2 or Level 3 assets or liabilities during the years ended December 31, 2015 and 2014.

The following table presents changes in our contingent consideration payable for the years ended December 31, 2015 and 2014, which is categorized in Level 3 of the fair value hierarchy:



	Year Ended December 31,
	2015			2014
	(In thousands)
Balance, beginning of period	$	23,160		$	—
Issuance	—			24,500
Payments of contingent consideration	(1,071		)	(242		)
Purchase accounting adjustment	—			(400		)
Change in fair value of contingent consideration	(8,200		)	(698		)
Balance, end of period	$	13,889		$	23,160

- 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

12 Months Ended

Dec. 31, 2015

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. Under the fair value hierarchy, our investment securities are classified as Level 2.

Loans

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

Deposits

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

Contingent Consideration

The fair value of contingent consideration obligations are estimated through valuation models designed to estimate the probability of such contingent payments based on various assumptions. Estimated payments are discounted using present value techniques to arrive at an estimated fair value. Our contingent consideration payable is classified as Level 3 because we use unobservable inputs to estimate fair value, including the probability of achieving certain earnings thresholds and appropriate discount rates. Changes in fair value of contingent consideration are recorded through operating expenses.

Note Payable

The fair value of our note payable is based on borrowing rates currently required of loans with similar terms, maturity and credit risk. The carrying amount of our note payable approximates fair value because the base interest rate charged varies with market conditions and the credit spread is commensurate with current market spreads for issuers of similar risk. The fair value of the note payable is classified as a Level 2 liability in the fair value hierarchy.

Note 16—Fair Value of Financial Instruments (continued)

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 December 31, 2015 and 2014 are presented in the table below.



	December 31, 2015				December 31, 2014
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers, net of allowance	$	6,279	$	5,847	$	6,550	$	5,399

Financial Liabilities
Deposits	$	652,145	$	652,060	$	565,401	$	565,345
Note payable	$	121,652	$	121,652	$	142,617	$	142,617

Concentrations of Credit Risk	12 Months Ended
Concentrations of Credit Risk	Dec. 31, 2015
Concentrations of Credit Risk [Abstract]
Concentrations of Credit Risk	Concentrations of Credit Risk Financial instruments that subject us to concentration of credit risk consist primarily of unrestricted cash and cash equivalents, restricted cash, investment securities, accounts receivable, loans and settlement assets. We deposit our unrestricted cash and cash equivalents and our restricted cash with regional and national banking institutions that we periodically monitor and evaluate for creditworthiness. Credit risk for our investment securities is mitigated by the types of investment securities in our portfolio, which must comply with strict investment guidelines that we believe appropriately ensures the preservation of invested capital. Credit risk for our accounts receivable is concentrated with card issuing banks and our customers, and this risk is mitigated by the relatively short collection period and our large customer base. We do not require or maintain collateral for accounts receivable. We maintain reserves for uncollectible overdrawn accounts and uncollectible trade receivables. With respect to our loan portfolio, approximately 93.4% of our borrowers reside in the state of Utah and approximately 40.2% in the city of Provo. Consequently, this loan portfolio is susceptible to any adverse market or environmental conditions that may impact this specific geographic region. Credit risk for our settlement assets is concentrated with our retail distributors, which we periodically monitor.

Defined Contribution Plan	12 Months Ended
Defined Contribution Plan	Dec. 31, 2015
Defined Contribution Plan [Abstract]
Defined Contribution Plan	Defined Contribution Plan On January 1, 2004, we established a defined contribution savings plan under Section 401(k) of the Internal Revenue Code. Employees who have attained at least 21 years of age are generally eligible to participate in the plan on the first day of the calendar month following the month in which they commence service with us. Participants may make pre-tax contributions to the plan from their eligible earnings up to the statutorily prescribed annual limit on pre-tax contributions under the code. We may contribute to the plan at the discretion of our board of directors. In March 2014, employer contributions were reinstated equal to 25% of the first 5% of a participant's eligible compensation. Our contributions are allocated in the same manner as that of the participant’s elective contributions. We made contributions to the plan of $0.9 million, $0.5 million, and $0.1 million for the years ended December 31, 2015, 2014 and 2013, respectively. Effective January 1, 2013, our board elected to suspend discretionary employer matching contributions. Amounts recognized for the year ended December 31, 2013 related to employer matching contributions for the 2012 plan year that were not paid until 2013.

Commitments and Contingencies

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

In December 2011, we entered into a ten-year office lease for 140,000 square feet of office space in Pasadena, California. This facility serves as our corporate headquarters. The initial term of the lease is ten years and is scheduled to expire on October 31, 2022. Through our wholly owned subsidiaries, we also lease various office facilities and maintain smaller administrative or project offices. Our total rental expense for these and former leases amounted to $8.8 million, $5.4 million and $5.3 million for the years ended December 31, 2015, 2014 and 2013, respectively.

Note 19—Commitments and Contingencies (continued)

At December 31, 2015, the future minimum aggregate rental commitment under all operating leases and minimum annual payments through various agreements with vendors and retail distributors was as follows:



	Operating Leases		Vendor/Retail Distributor Commitments
Year ending December 31,	(In thousands)
2016	$	8,352	$	29,101
2017	7,136		14,359
2018	5,788		7,274
2019	5,618		910
2020	5,745		—
Thereafter	10,988		—
Total of future commitments	$	43,627	$	51,644

In the event we terminate our processing services agreement for convenience, we are required to pay a single lump sum equal to any minimum payments remaining on the date of termination. These future minimum obligations are included in our vendor and retail distributor commitments.

We monitor the laws of all 50 states to identify state laws or regulations that apply (or may apply) to our products and services. We have obtained money transmitter licenses (or similar such licenses) where applicable, based on advice of counsel or when we have been requested to do so. If we were found to be in violation of any laws and regulations governing banking, money transmitters, electronic fund transfers, or money laundering in the United States or abroad, we could be subject to penalties or could be forced to change our business practices.

In the ordinary course of business, we are a party to various legal proceedings. We review these actions on an ongoing basis to determine whether it is probable and estimable that a loss has occurred and use that information when making accrual and disclosure decisions. We have not established reserves or possible ranges of losses related 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.

During the year ended December 31, 2014, we received net cash proceeds of $6.4 million in connection with the settlement of a lawsuit. We recorded this settlement, net of legal costs incurred in connection with the litigation, as other income on our consolidated statements of operations.

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 5 — Accounts Receivable.

As of December 31, 2015 and 2014, we had $1.5 million outstanding in standby letters of credit related to our corporate facility lease.

Significant Customer Concentrations

12 Months Ended

Dec. 31, 2015

Significant Customer Concentrations [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.

Revenue Concentrations

Revenues derived from our products sold at retail distributors constituting greater than 10% of our total operating revenues were as follows:



	Year Ended December 31,
	2015	2014	2013
Walmart	46%	54%	64%

Excluding stock-based retailer incentive compensation of $2.5 million, $8.9 million, and $8.7 million for the years ended December 31, 2015, 2014, and 2013, respectively, revenues derived from our products sold at retail distributors constituting greater than 10% of our total operating revenues were as follows:



	Year Ended December 31,
	2015	2014	2013
Walmart	46%	55%	65%

No other retail distributor made up greater than 10% of our total operating revenues for the years ended December 31, 2015, 2014, and 2013.

Unit Concentrations

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:



	Year Ended December 31,
	2015	2014	2013
Concentration of GPR cards activated (in units)	61%	70%	82%
Concentration of sales of cash transfer products (in units)	81%	83%	87%

Settlement Asset Concentrations

Settlement assets derived from our products sold at our four largest retail distributors comprised the following percentages of the settlement assets recorded on our consolidated balance sheets:



	December 31, 2015	December 31, 2014
Walmart	62%	22%
Three other largest retail distributors, as a group	9%	6%

Regulatory Requirements

12 Months Ended

Dec. 31, 2015

Regulatory Requirements [Abstract]

Regulatory Requirements

Our subsidiary bank, Green Dot Bank, is a member bank of the Federal Reserve System and our primary regulator is the Federal Reserve Board. We are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory actions by regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines, we must meet specific capital guidelines that involve quantitative measures of the assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

As of December 31, 2015 and 2014, we were categorized as "well capitalized" under the regulatory framework. There were no conditions or events since December 31, 2015 which management believes would have changed our category as "well capitalized." Our capital ratios and related regulatory requirements were as follows:



	December 31, 2015
	Amount	Ratio		Regulatory Minimum⁽¹⁾		"Well-capitalized" Minimum ⁽¹⁾
	(In thousands, except ratios)
Green Dot Corporation:
Tier 1 leverage	347,801	25.9	%	4.0	%	n/a
Common equity Tier 1 capital	347,801	70.7	%	4.5	%	n/a
Tier 1 capital	347,801	70.7	%	6.0	%	6.0	%
Total risk-based capital	349,396	71.1	%	8.0	%	10.0	%

Green Dot Bank:
Tier 1 leverage	152,737	20.4	%	15.0	%	15.0	%
Common equity Tier 1 capital	152,737	132.2	%	4.5	%	6.5	%
Tier 1 capital	152,737	132.2	%	6.0	%	8.0	%
Total risk-based capital	153,164	132.5	%	8.0	%	10.0	%

	December 31, 2014
	Amount	Ratio		Regulatory Minimum⁽¹⁾		"Well-capitalized" Minimum⁽¹⁾
	(In thousands, except ratios)
Green Dot Corporation:
Tier 1 leverage	200,917	21.3	%	4.0	%	n/a
Tier 1 capital	200,917	45.4	%	5.5	%	6.0	%
Total risk-based capital	201,368	45.5	%	8.0	%	10.0	%

Green Dot Bank:
Tier 1 leverage	135,786	17.9	%	15.0	%	15.0	%
Tier 1 capital	135,786	70.6	%	5.5	%	6.0	%
Total risk-based capital	136,237	70.8	%	8.0	%	10.0	%



(1)	The tier 1 leverage regulatory minimum and well-capitalized minimum ratios for banks is 4% and 5%, respectively. Our subsidiary bank is subject to separate tier 1 leverage requirements that we have committed to with the Federal Reserve Board and Utah Department of Financial Institutions.

- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

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+ Details

Selected Quarterly Financial Information

12 Months Ended

Dec. 31, 2015

Quarterly Financial Information Disclosure [Abstract]

Selected Unaudited Quarterly Financial Information

The following tables set forth a summary of our quarterly financial information for each of the four quarters in 2015 and 2014:



	2015
	Q4			Q3			Q2			Q1
	(In thousands, except per share data)
Total operating revenues	$	150,928		$	146,360		$	170,247		$	227,165
Total operating expenses	162,707			148,066			163,329			161,269
Operating (loss) income	(11,779		)	(1,706		)	6,918			65,896
Interest expense, net	(321		)	(337		)	(431		)	(118		)
(Loss) income before income taxes	(12,100		)	(2,043		)	6,487			65,778
Income tax (benefit) expense	(6,027		)	(2,222		)	2,991			24,965
Net (loss) income	$	(6,073	)	$	179		$	3,496		$	40,813
(Loss) earnings per common share
Basic
Class A common stock	$	(0.12	)	$	—		$	0.07		$	0.77
Diluted
Class A common stock	$	(0.12	)	$	—		$	0.06		$	0.76



	2014
	Q4			Q3		Q2		Q1
	(In thousands, except per share data)
Total operating revenues	$	150,609		$	144,659	$	147,016	$	159,269
Total operating expenses	150,339			131,331		125,284		135,609
Operating income	270			13,328		21,732		23,660
Interest (expense) income, net	(148		)	965		1,010		961
Other income	760			6,369		—		—
Income before income taxes	882			20,662		22,742		24,621
Income tax expense	1,727			6,771		8,399		9,316
Net (loss) income	$	(845	)	$	13,891	$	14,343	$	15,305
(Loss) earnings per common share
Basic
Class A common stock	$	(0.02	)	$	0.30	$	0.32	$	0.34
Diluted
Class A common stock	$	(0.02	)	$	0.30	$	0.31	$	0.33

Segment Information

12 Months Ended

Dec. 31, 2015

Segment Reporting [Abstract]

Segment Information

As of December 31, 2014 and prior, our operations were within one reportable segment. As a result of acquisitions occurring in the fourth quarter of 2014 and first quarter of 2015, we realigned our operations into two reportable segments during 2015: 1) Account Services and 2) Processing and Settlement Services. We identified our reportable segments based on factors such as how we manage our operations and how our chief operating decision maker views results. Our chief operating decision maker organizes and manages our business primarily on the basis of product and service offerings and uses operating income to assess profitability.

The Account Services segment consists of revenues and expenses derived from our branded and private label deposit account programs. These programs include our Green Dot-branded and affinity-branded GPR card accounts, private label GPR card accounts, checking accounts and open-loop gift cards. The Processing and Settlement Services segment consists of revenues and expenses derived from reload services through the Green Dot Network and our tax refund processing services. The Corporate and Other segment primarily consists of unallocated corporate expenses, depreciation and amortization, intercompany eliminations and other costs that are not considered when management

Note 23—Segment Information (continued)

evaluates segment performance. We do not evaluate performance or allocate resources based on segment asset data, and therefore such information is not presented.

The following table presents certain financial information for each of our reportable segments for the year-ended ended December 31, 2015. We have determined that it is impracticable to restate segment information for the year ended December 31, 2014, as well as to provide disclosures under both the old basis and new basis of reporting for certain items. Therefore, no such disclosures are presented.



	Year Ended December 31, 2015
	Account Services		Processing and Settlement Services		Corporate and Other			Total
	(In thousands)
Operating revenues	$	531,410	$	195,000	$	(31,710	)	$	694,700
Operating expenses	440,669		133,539		61,163			635,371
Operating income	$	90,741	$	61,461	$	(92,873	)	$	59,329

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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+ Details

Summary of Significant Accounting Policies (Policies)	12 Months Ended
Summary of Significant Accounting Policies (Policies)	Dec. 31, 2015
Accounting Policies [Abstract]
Principles of Consolidation and Basis of Presentation	Principles of Consolidation and Basis of Presentation Our consolidated financial statements include the results of Green Dot Corporation and our wholly-owned subsidiaries. We prepared the accompanying consolidated financial statements in accordance with generally accepted accounting principles in the United States of America, or GAAP. We eliminate all significant intercompany balances and transactions in consolidation. We include the results of operations of acquired companies from the date of acquisition.
Use of Estimates and Assumptions	Use of Estimates and Assumptions The preparation of financial statements in conformity with GAAP requires us to make estimates and assumptions that affect the amounts reported in the consolidated financial statements, including the accompanying notes. We base our estimates and assumptions on historical factors, current circumstances, and the experience and judgment of management. We evaluate our estimates and assumptions on an ongoing basis. Actual results could differ from those estimates.
Unrestricted Cash and Cash Equivalents and Federal Funds Sold	Unrestricted Cash and Cash Equivalents and Federal Funds Sold We consider all unrestricted highly liquid investments with an original maturity of three months or less to be unrestricted cash and cash equivalents. Federal funds sold consist of unsecured overnight advances of excess balances in our bank reserve account and are included in unrestricted cash and cash equivalents on our consolidated statements of cash flows.
Investment Securities	Investment Securities Our investment portfolio is primarily comprised of fixed income securities. We classify these securities as available-for-sale and report them at fair value with the related unrealized gains and losses, net of tax, included in accumulated other comprehensive income, a component of stockholders’ equity. We classify investment securities with original maturities greater than 90 days, but less than or equal to 365 days as current assets. Note 2—Summary of Significant Accounting Policies (continued) We regularly evaluate each fixed income security where the value has declined below amortized cost to assess whether the decline in fair value is other-than-temporary. In determining whether an impairment is other-than-temporary, we consider the severity and duration of the decline in fair value, the length of time expected for recovery, the financial condition of the issuer, and other qualitative factors, as well as whether we either plan to sell the security or it is more-likely-than-not that we will be required to sell the security before recovery of its amortized cost. If the impairment of the investment security is credit-related, an other-than-temporary impairment is recorded in earnings. We recognize non-credit-related impairment in accumulated other comprehensive income. If we intend to sell an investment security or believe we will more-likely-than-not be required to sell a security, we record the full amount of the impairment as an other-than-temporary impairment. Interest on fixed income securities, including amortization of premiums and accretion of discounts, is included in interest income.
Obligations to Customers and Settlement Assets and Obligations	Obligations to Customers and Settlement Assets and Obligations At the point of sale, our retail distributors collect customer funds for purchases of new cards and balance reloads and then remit these funds directly to the banks that issue our cards. During the first quarter of 2014, we transitioned our card issuing program with GE Capital Bank to our subsidiary bank. Our retail distributors’ remittance of these funds takes an average of two business days. Settlement assets represent the amounts due from our retail distributors for customer funds collected at the point of sale that have not yet been received by our subsidiary bank. Obligations to customers represent customer funds collected from (or to be remitted by) our retail distributors for which the underlying products have not been activated. Once the underlying products have been activated, the customer funds are reclassified as deposits in a bank account established for the benefit of the customer. Settlement obligations represent the customer funds received by our subsidiary bank that are due to third-party card issuing banks upon activation.
Accounts Receivable, net	Accounts Receivable, net Accounts receivable is comprised principally of receivables due from card issuing banks, overdrawn account balances due from cardholders, trade accounts receivable, fee advances and other receivables. We record accounts receivable net of reserves for estimated uncollectible accounts. Receivables due from card issuing banks primarily represent revenue-related funds held at the third-party card issuing banks related to our gift card program that have yet to be remitted to us. These receivables are generally collected within a short period of time based on the remittance terms in our agreements with the third-party card issuing banks. Fee advances represent short-term advances to in-person tax return preparation companies made prior to and during tax season. These advances are collateralized by their clients' tax preparation fees and are generally collected within a short period of time as the in-person tax preparation companies begin preparing and processing their clients' tax refunds. Overdrawn Account Balances Due from Cardholders and Reserve for Uncollectible Overdrawn Accounts Our cardholder accounts may become overdrawn as a result of maintenance fee assessments or from purchase transactions that we honor, in excess of the funds in a cardholder’s account. We are exposed to losses from any unrecovered overdrawn account balances. We establish a reserve for uncollectible overdrawn accounts. We classify overdrawn accounts into age groups based on the number of days that have elapsed since an account last had activity, such as a purchase, ATM transaction or maintenance fee assessment. We calculate a reserve factor for each age group based on the average recovery rate for the most recent six months. These factors are applied to these age groups to estimate our overall reserve. When more than 90 days have passed without activity in an account, we write off the full amount of the overdrawn account balance. We include our provision for uncollectible overdrawn accounts related to maintenance fees and purchase transactions as an offset to card revenues and other fees and in other general and administrative expenses, respectively, in the accompanying consolidated statements of operations.
Restricted Cash	Restricted Cash At December 31, 2015 and 2014, restricted cash primarily consists of funds held in an escrow account under the terms of a purchase agreement related to one of our business acquisitions, as well as funds required to collateralize outstanding letters of credit related to our corporate facility lease. Additionally, we collect funds in advance from certain retail distributors
Loans to Bank Customers	Loans to Bank Customers We report loans measured at historical cost at their outstanding principal balances, net of any charge-offs, and for purchased loans, net of any unaccreted discounts. We recognize interest income as it is earned. Nonperforming Loans Nonperforming loans generally include loans that have been placed on nonaccrual status. We generally place loans on nonaccrual status when they are past due 90 days or more. We reverse the related accrued interest receivable and apply interest collections on nonaccrual loans as principal reductions; otherwise, we credit such collections to interest income when received. These loans may be restored to accrual status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected. We consider a loan to be impaired when it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. Once we determine a loan to be impaired, we measure the impairment based on the present value of the expected future cash flows discounted at the loan's effective interest rate. We may also measure impairment based on observable market prices, or for loans that are solely dependent on the collateral for repayment, the estimated fair value of the collateral less estimated costs to sell. If the recorded investment in impaired loans exceeds this amount, we establish a specific allowance as a component of the allowance for loan losses or by adjusting an existing valuation allowance for the impaired loan. Allowance for Loan Losses We establish an allowance for loan losses to account for estimated credit losses inherent in our loan portfolio. For the portfolio of loans, our estimate of inherent losses is separately calculated on an aggregate basis for groups of loans that are considered to have similar credit characteristics and risk of loss. We analyze historical loss rates for these groups and then adjust the rates for qualitative factors which in our judgment affect the expected inherent losses. Qualitative considerations include, but are not limited to, prevailing economic or market conditions, changes in the loan grading and underwriting process, changes in the estimated value of the underlying collateral for collateral dependent loans, delinquency and nonaccrual status, problem loan trends, and geographic concentrations. We separately establish specific allowances for impaired loans based on the present value of changes in cash flows expected to be collected, or for impaired loans that are considered collateral dependent, the estimated fair value of the collateral.
Property and Equipment	Property and Equipment We carry our property and equipment at cost less accumulated depreciation and amortization. We generally compute depreciation on property and equipment using the straight-line method over the estimated useful lives of the assets, except for land, which is not depreciated. We generally compute amortization on tenant improvements using the straight-line method over the shorter of the related lease term or estimated useful lives of the improvements. We expense expenditures for maintenance and repairs as incurred. We capitalize certain internal and external costs incurred to develop internal-use software during the application development stage. We also capitalize the cost of specified upgrades and enhancements to internal-use software that result in additional functionality. Once a development project is substantially complete and the software is ready for its intended use, we begin depreciating these costs on a straight-line basis over the internal-use software’s estimated useful life.
Impairment of Long-Lived Assets	Impairment of Long Lived Assets We evaluate long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If the sum of expected undiscounted future cash flows from an asset is less than the carrying amount of the asset, we estimate the fair value of the assets. We measure the loss as the amount by which the carrying amount exceeds its fair value calculated using the present value of estimated net future cash flows.
Business Acquisitions	Business Acquisitions We allocate the purchase price of business acquisitions to the assets acquired and liabilities assumed based on their estimated fair value. The excess of the purchase price over estimated fair value of the net identifiable assets is allocated to goodwill. Determining the fair value of assets and liabilities requires various assumptions and estimates. These estimates and assumptions are refined with adjustments recorded to goodwill as information is gathered and final valuations are completed over a one-year measurement period. The changes in these estimates or different assumptions used in determining these estimates could impact the amount of assets, including goodwill, and liabilities recorded on our consolidated balance sheet and could impact our operating results subsequent to such acquisition.
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill is the purchase premium after adjusting for the fair value of net assets acquired. Goodwill is not amortized but is reviewed for potential impairment on an annual basis, or when events or circumstances indicate a potential impairment, at the reporting unit level. A reporting unit, as defined under applicable accounting guidance, is an operating segment or one level below an operating segment, referred to as a component. We may in any given period bypass the qualitative assessment and proceed directly to a two-step method to assess and measure impairment of the reporting unit's goodwill. We first assess qualitative factors to determine whether it is more likely-than-not (i.e., a likelihood of more than 50 percent) that the fair value of a reporting unit is less than its carrying value. This step serves as the basis for determining whether it is necessary to perform the two-step quantitative impairment test. The first step of the quantitative impairment test involves a comparison of the estimated fair value of each reporting unit to its carrying amount, including goodwill. If the estimated fair value of the reporting unit exceeds its carrying amount, goodwill of the reporting unit is not impaired; however, if the carrying amount of the reporting unit exceeds its estimated fair value, then the second step of the quantitative impairment test must be performed. The second step compares the implied fair value of the reporting unit’s goodwill with its carrying amount to measure the amount of impairment loss, if any. The implied fair value of goodwill is determined in the same manner as the amount of goodwill recognized in a business combination. If the carrying amount of the reporting unit’s goodwill exceeds the implied fair value of that goodwill, an impairment loss is recognized in an amount equal to that excess. For intangible assets subject to amortization, we recognize an impairment loss if the carrying amount of the intangible asset is not recoverable and exceeds its estimated fair value. The carrying amount of the intangible asset is considered not recoverable if it exceeds the sum of the undiscounted cash flows expected to result from the use of the asset. No impairment charges were recognized related to goodwill or intangible assets for the years ended December 31, 2015, 2014 and 2013. Intangible assets with finite lives are amortized on a straight-line basis over their estimated useful lives, which is our best estimate of the pattern of economic benefit, based on legal, contractual, and other provisions. The estimated useful lives of the intangible assets, which consist primarily of customer relationships and trade names, range from 5-15 years.
Amounts Due to Card Issuing Banks for Overdrawn Accounts	Amounts Due to Card Issuing Banks for Overdrawn Accounts Third-party card issuing banks fund overdrawn cardholder account balances on our behalf. Amounts funded are due from us to the card issuing banks based on terms specified in the agreements with the card issuing banks. Generally, we expect to settle these obligations within two months.
Fair Value	Fair Value Under applicable accounting guidance, fair value is defined as the price that would be received to sell an asset or paid to transfer a liability. As such, fair value reflects an exit price 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. The following describes the three-level hierarchy: Level 1 – Unadjusted quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as certain U.S. Treasury securities that are highly liquid and are actively traded in over-the-counter markets. Level 2 – Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities with quoted prices that are traded less frequently than exchange-traded instruments. This category generally includes U.S. government and agency mortgage-backed fixed income securities and corporate fixed income securities. Level 3 – Unobservable inputs that are supported by little or no market activity and that are significant to the overall fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments for which the determination of fair value requires significant management judgment or estimation. The fair value for such assets and liabilities is generally determined using pricing models, market comparables, discounted cash flow methodologies or similar techniques that incorporate the assumptions a market participant would use in pricing the asset or liability. This category generally includes certain private equity investments and certain asset-backed securities.
Revenue Recognition	Revenue Recognition Our operating revenues consist of card revenues and other fees, processing and settlement service revenues and interchange revenues. We recognize revenue when the price is fixed or determinable, persuasive evidence of an arrangement exists, the product is sold or the service is performed, and collectability of the resulting receivable is reasonably assured. Card revenues and other fees consist of monthly maintenance fees, ATM fees, new card fees and other revenues. We charge maintenance fees on a monthly basis pursuant to the terms and conditions in the applicable cardholder agreements. We recognize monthly maintenance fees ratably over the month for which they are assessed. We charge ATM fees to cardholders when they withdraw money at certain ATMs in accordance with the terms and conditions in our cardholder agreements. We recognize ATM fees when the withdrawal is made by the cardholder, which is the same time our service is completed and the fees are assessed. We charge new card fees when a consumer purchases a new card in a retail store. We defer and recognize new card fee revenues on a straight-line basis over our average card lifetime, which is currently five months for both our GPR and our gift cards. We determine the average card lifetime based on our recent historical data for comparable products. We measure card lifetime for our GPR cards as the period of time, inclusive of reload activity, between sale (or activation) of the card and the date of the last positive balance. We measure the card lifetime for our gift cards as the redemption period during which cardholders perform the substantial majority of their transactions. We reassess average card lifetime quarterly. We report the unearned portion of new card fees as a component of deferred revenue in our consolidated balance sheets. Other revenues consist primarily of revenue associated with our gift card program, transaction-based fees and fees associated with optional products or services, which we offer to cardholders from time-to-time. We generally recognize these revenues as purchase transactions occur or when the underlying services are completed. Note 2—Summary of Significant Accounting Policies (continued) Our processing and settlement services consist of cash transfer revenues and tax refund processing service revenues. We generate cash transfer revenues when consumers purchase our cash transfer products (reload services) in a retail store. We recognize these revenues when the cash transfer transactions are completed, generally within two business days from the time of sale of these products. We earn tax refund processing service revenues when a customer of a third party tax preparation company chooses to pay their tax preparation fee through the use of our tax refund processing services. We recognize tax refund processing service revenues as we remit tax return proceeds to the taxpayer. We earn interchange revenues from fees remitted by the merchant’s bank, which are based on rates established by the payment networks, such as Visa and MasterCard, when cardholders make purchase transactions using our cards. We recognize interchange revenues as these transactions occur. We report our different types of revenues on a gross or net basis based on our assessment of whether we act as a principal or an agent in the transaction. To the extent we act as a principal in the transaction, we report revenues on a gross basis. In concluding whether or not we act as a principal or an agent, we evaluate whether we have the substantial risks and rewards under the terms of the revenue-generating arrangements, whether we are the party responsible for fulfillment of the services purchased by the cardholders, among other factors. For all of our significant revenue-generating arrangements, including GPR and gift cards, we record revenues on a gross basis with the exception of our tax refund processing service revenues which are recorded on a net basis. Generally, customers have limited rights to a refund of a new card fee or a cash transfer fee. We have elected to recognize revenues prior to the expiration of the refund period, but reduce revenues by the amount of expected refunds, which we estimate based on actual historical refunds. On occasion, we enter into incentive agreements with our retail distributors and offer incentives to customers designed to increase product acceptance and sales volume. We record incentive payments, including the issuance of equity instruments, as a reduction of revenues and recognize them over the period the related revenues are recognized or as services are rendered, as applicable.
Sales and Marketing Expenses	Sales and Marketing Expenses Sales and marketing expenses primarily consist of sales commissions, advertising and marketing expenses, and the costs of manufacturing and distributing card packages, placards, promotional materials to our retail distributors’ locations and personalized GPR cards to consumers who have activated their cards. We pay our retail distributors and brokers commissions based on sales of our prepaid debit cards and cash transfer products in their stores. We defer and expense commissions related to new cards sales ratably over the average card lifetime, which is currently five months for both our GPR and our gift cards. Absent a new card fee, we expense the related commissions immediately. We expense commissions related to cash transfer products when the cash transfer transactions are completed. We expense costs for the production of advertising as incurred. The cost of media advertising is expensed when the advertising first takes place. We record the costs associated with card packages and placards as prepaid expenses, and we record the costs associated with personalized GPR cards as deferred expenses. We recognize the prepaid cost of card packages and placards over the related sales period, and we amortize the deferred cost of personalized GPR cards, when activated, over the average card lifetime.
Employee Stock-Based Compensation	Employee Stock-Based Compensation We record employee stock-based compensation expense based on the grant-date fair value. For stock options and stock purchases under our employee stock purchase plan, or ESPP, we base compensation expense on fair values estimated at the grant date using the Black-Scholes option-pricing model. For stock awards, including restricted stock units, we base compensation expense on the fair value of our common stock at the grant date. We recognize compensation expense for awards with only service conditions that have graded vesting schedules on a straight-line basis over the vesting period of the award. Vesting is based upon continued service to our company. Note 2—Summary of Significant Accounting Policies (continued) At times, we have issued performance based and market based restricted stock units to our executive officers. For performance based awards, we recognize compensation cost for the restricted stock units if and when we conclude it is probable that the performance will be satisfied, over the requisite service period based on the grant-date fair value of the stock. We reassess the probability of vesting at each reporting period and adjust compensation expense based on the probability assessment. For market based restricted stock units, we base compensation expense on the fair value estimated at the date of grant using a Monte Carlo simulation or similar lattice model. We recognize compensation expense over the requisite service period regardless of the market condition being satisfied, provided that the requisite service has been provided, since the estimated grant date fair value already incorporates the probability of outcomes that the market condition will be achieved.
Income Taxes	Income Taxes Our income tax expense is comprised of current and deferred income tax expense. Current income tax expense approximates taxes to be paid or refunded for the current period. Deferred income tax expense results from the changes in deferred tax assets and liabilities during the periods. These gross deferred tax assets and liabilities represent decreases or increases in taxes expected to be paid in the future because of future reversals of temporary differences between the basis of assets and liabilities as measured by tax laws and their basis as reported in our consolidated financial statements. We also recognize deferred tax assets for tax attributes such as net operating loss carryforwards and tax credit carryforwards. We record valuation allowances to reduce deferred tax assets to the amounts we conclude are more likely-than-not to be realized in the foreseeable future. We recognize and measure income tax benefits based upon a two-step model: 1) a tax position must be more likely-than-not to be sustained based solely on its technical merits in order to be recognized, and 2) the benefit is measured as the largest dollar amount of that position that is more likely-than-not to be sustained upon settlement. The difference between the benefit recognized for a position and the tax benefit claimed on a tax return is referred to as an unrecognized tax benefit. We accrue income tax related interest and penalties, if applicable, within income tax expense.
Earnings Per Common Share	Earnings Per Common Share We apply the two-class method in calculating earnings per common share, or EPS, because our preferred stockholders are entitled to participate with our common stockholders in the distributions of earnings through dividends. The two-class method requires net income, after deduction of any preferred stock dividends, deemed dividends on preferred stock redemptions, and accretions in the carrying value on preferred stock, to be allocated between each class or series of common and preferred stockholders based on their respective rights to receive dividends, whether or not declared. Basic EPS is then calculated by dividing net income allocated to each class of common stockholders by the respective weighted-average common shares issued and outstanding. We divide adjusted net income for each class of common stock by the respective weighted-average number of the common shares issued and outstanding for each period plus amounts representing the dilutive effect of outstanding stock options, restricted stock units, outstanding warrants, shares to be purchased under our employee stock purchase plan and the dilution resulting from the conversion of convertible securities, if applicable. We exclude the effects of convertible securities, outstanding warrants and stock options from the computation of diluted EPS in periods in which the effect would be anti-dilutive. We calculate dilutive potential common shares using the treasury stock method, if-converted method and the two-class method, as applicable.
Regulatory Matters and Capital Adequacy	Regulatory Matters and Capital Adequacy As a bank holding company, we are subject to comprehensive supervision and examination by the Federal Reserve Board and must comply with applicable regulations, including minimum capital and leverage requirements. If we fail to comply with any of these requirements, we may become subject to formal or informal enforcement actions, proceedings, or investigations, which could result in regulatory orders, restrictions on our business operations or requirements to take corrective actions, which may, individually or in the aggregate, affect our results of operations and restrict our ability to grow. If we fail to comply with the applicable capital and leverage requirements, or if our subsidiary bank fails to comply with its applicable capital and leverage requirements, the Federal Reserve Board may limit our or Green Dot Bank's ability to pay dividends. In addition, as a bank holding company and a financial holding company, we are generally prohibited from engaging, directly or indirectly, in any activities other than those permissible for bank holding companies and financial holding companies. This restriction might limit our ability to pursue future business opportunities which we might otherwise consider but which might fall outside the scope of permissible activities. Note 2—Summary of Significant Accounting Policies (continued) We may also be required to serve as a “source of strength” to Green Dot Bank if it becomes less than adequately capitalized.
Recent Accounting Pronouncements	Recent Accounting Pronouncements In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments - Recognition and Measurement of Financial Assets and Financial Liabilities (Topic 825) ("ASU 2016-01"). ASU 2016-01 revises the classification and measurement of investments in certain equity investments and the presentation of certain fair value changes for certain financial liabilities measured at fair value. ASU 2016-01 requires the change in fair value of many equity investments to be recognized in net income. The standard is effective for interim and annual periods beginning after December 15, 2017, with early adoption permitted. The adoption of the ASU may result in a cumulative adjustment to retained earnings as of the beginning of the year of adoption. We are currently evaluating the impact of the provisions of ASU 2016-01, however, we do not expect the adoption of the ASU to have a material impact on our consolidated financial statements. In November 2015, the FASB issued ASU No. 2015-17, Balance Sheet Classification of Deferred Taxes ("ASU 2015-17"). ASU 2015-17 requires that deferred tax liabilities and assets be classified as noncurrent on the balance sheet. The ASU is effective for interim and annual periods beginning after December 15, 2016, but early adoption is permitted. We elected to early adopt this standard as of December 31, 2015 to simplify the presentation of our deferred income taxes and applied the guidance retrospectively to all periods presented. This change resulted in a reclassification of approximately $2.0 million in our net deferred tax assets and liabilities on our December 31, 2014 consolidated balance sheet. We do not deem the early adoption of the ASU to have a material impact on our consolidated financial statements for all periods presented. In September 2015, the FASB issued ASU No. 2015-16, Business Combination (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments ("ASU 2015-16"). ASU 2015-16 requires adjustments to provisional amounts that are identified during the measurement period to be recognized in the reporting period in which the adjustment amounts are determined. This includes any effect on earnings from changes in depreciation, amortization, or other income effects as a result of changes to provisional amounts calculated as if the accounting had been completed at the acquisition date. In addition, the amendments in the ASU require an entity to disclose the nature and amount of measurement-period adjustments recognized in the current period that would have been recorded in previous reporting periods if the adjustments had been recognized as of the acquisition date. The amendments are effective for annual and interim periods beginning after December 15, 2015, with early adoption permitted. We have elected to early adopt the provisions of ASU 2015-16 as of December 31, 2015. The adoption of the ASU had no material impact on our consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-05, Customer's Accounting for Fees Paid in a Cloud Computing Arrangement ("ASU 2015-05"). This ASU provides guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The new guidance does not change the accounting for service contracts. ASU 2015-05 is effective for interim and annual reporting periods beginning after December 15, 2015. The adoption of the ASU is not expected to have a material impact on our consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, Simplifying the Presentation of Debt Issuance Costs ("ASU 2015-03") which changes the presentation of debt issuance costs in financial statements. ASU 2015-03 requires an entity to present such costs in the balance sheet as a direct deduction from the related debt liability rather than as an asset. Amortization of the costs will continue to be reported as interest expense. The ASU is effective for annual reporting periods beginning after December 15, 2015, with early adoption permitted. The new guidance will be applied retrospectively to each prior period presented. We have elected to early adopt the provisions of ASU 2015-03 as of December 31, 2015. The adoption of the ASU resulted in a reclassification of approximately $5.8 million and $7.4 million on our December 31, 2015 and 2014 consolidated balance sheets, respectively, between prepaid and other assets and our total note payable outstanding. Of these amounts, approximately $1.5 million is netted against the current portion of our note payable outstanding for all periods presented. The adoption of the ASU was not deemed to have a material impact on our consolidated balance sheets. Note 2—Summary of Significant Accounting Policies (continued) In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers ("ASU 2014-09"), which supersedes nearly all existing revenue recognition guidance under GAAP. The core principle of ASU 2014-09 is to recognize revenues when promised goods or services are transferred to customers in an amount that reflects the consideration to which an entity expects to be entitled for those goods or services. ASU 2014-09 defines a five step process to achieve this core principle and, in doing so, more judgment and estimates may be required within the revenue recognition process than are required under existing GAAP. Under ASU 2015-14, Revenue from Contracts with Customers (Topic 606): Deferral of Effective Date, the revenue standard is effective for annual periods beginning after December 15, 2017, and interim periods therein, using either of the following transition methods: (i) a full retrospective approach reflecting the application of the standard in each prior reporting period with the option to elect certain practical expedients, or (ii) a retrospective approach with the cumulative effect of initially adopting ASU 2014-09 recognized at the date of adoption (which includes additional footnote disclosures). Early adoption is permitted for periods beginning after December 15, 2016. We are currently evaluating the impact of our pending adoption of ASU 2015-14 and ASU 2014-09 on our consolidated financial statements.

Summary of Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2015

Accounting Policies [Abstract]

Property and equipment

The estimated useful lives of the respective classes of assets are as follows:



Land	N/A
Building	30 years
Computer equipment, furniture and office equipment	3-4 years
Computer software purchased	3 years
Capitalized internal-use software	2-7 years
Tenant improvements	Shorter of the useful life or the lease term

Property and equipment consisted of the following:



	December 31,
	2015			2014
	(In thousands)
Land	$	205		$	205
Building	605			605
Computer equipment, furniture, and office equipment	45,508			45,525
Computer software purchased	16,900			20,363
Capitalized internal-use software	113,721			89,023
Tenant improvements	9,914			9,172
	186,853			164,893
Less accumulated depreciation and amortization	(107,976		)	(87,609		)
Property and equipment, net	$	78,877		$	77,284

Business Acquisitions (Tables)

12 Months Ended

Dec. 31, 2015

Business Combinations [Abstract]

Schedule of Business Acquisition Consideration

The following table summarizes the purchase price consideration.



	Consideration
	(In thousands)
Cash, including proceeds from Term Loan	$	204,471
Fair value of shares of Class A common stock issued	134,074
Fair value of contingent consideration	20,000
Total consideration	$	358,545

Preliminary Allocation of Purchase Price

The allocation of the initial purchase price was as follows:



	October 23, 2014
	(In thousands)
Assets:
Cash and cash equivalents	$	2,154
Accounts receivable, net	1,883
Prepaid expenses and other assets	642
Property and equipment, net	5,590
Intangible assets	251,500
Goodwill	100,892
Total assets:	362,661

Liabilities:
Accounts payable and other liabilities	2,045
Other liabilities	2,071
Total liabilities:	4,116

Net assets acquired	$	358,545

Business Acquisition, Pro Forma Information

The pro forma results have been presented for comparative purposes only and are not indicative of what would have occurred had the TPG acquisition been made as of January 1, 2013, or of any potential results which may occur in the future.



	December 31,
	2014		2013
	(In thousands, except per share data)
Net revenues	$	681,506	$	655,060
Net income attributable to common stock	$	60,458	$	40,439
Basic earnings per common share	$	1.32	$	0.96
Diluted earnings per common share	$	1.30	$	0.94
Basic weighted-average common shares issued and outstanding	45,863		42,008
Diluted weighted-average common shares issued and outstanding	46,726		43,289

Investment Securities (Tables)

12 Months Ended

Dec. 31, 2015

Investment Securities [Abstract]

Investment securities, available-for-sale

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



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
	(In thousands)
December 31, 2015
Corporate bonds	$	33,201	$	—	$	(47	)	$	33,154
Commercial paper	6,504		3		(2		)	6,505
U.S. Treasury notes	17,541		—		(16		)	17,525
Agency securities	4,034		—		(19		)	4,015
Mortgage-backed securities	100,131		195		(554		)	99,772
Municipal bonds	1,954		11		(65		)	1,900
Asset-backed securities	18,725		—		(57		)	18,668
Total investment securities	$	182,090	$	209	$	(760	)	$	181,539

December 31, 2014
Corporate bonds	$	40,433	$	4	$	(48	)	$	40,389
Commercial paper	7,648		1		—			7,649
U.S. Treasury notes	14,782		5		(16		)	14,771
Agency securities	2,950		—		—			2,950
Mortgage-backed securities	35,420		119		(177		)	35,362
Municipal bonds	5,555		61		(21		)	5,595
Asset-backed securities	13,727		—		(12		)	13,715
Total investment securities	$	120,515	$	190	$	(274	)	$	120,431

As of December 31, 2015 and 2014, the gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows:



	Less than 12 months					12 months or more					Total fair value		Total unrealized loss
	Fair value		Unrealized loss			Fair value		Unrealized loss			Total fair value		Total unrealized loss
	(In thousands)
December 31, 2015
Corporate bonds	$	20,416	$	(22	)	$	10,679	$	(25	)	$	31,095	$	(47	)
Commercial paper	4,322		(2		)	—		—			4,322		(2		)
U.S. Treasury notes	17,525		(16		)	—		—			17,525		(16		)
Agency securities	4,015		(19		)	—		—			4,015		(19		)
Mortgage-backed securities	53,634		(410		)	21,518		(144		)	75,152		(554		)
Municipal bonds	—		—			1,035		(65		)	1,035		(65		)
Asset-backed securities	18,668		(57		)	—		—			18,668		(57		)
Total investment securities	$	118,580	$	(526	)	$	33,232	$	(234	)	$	151,812	$	(760	)

December 31, 2014
Corporate bonds	$	33,348	$	(48	)	$	—	$	—		$	33,348	$	(48	)
U.S. Treasury notes	6,068		(16		)	—		—			6,068		(16		)
Mortgage-backed securities	21,495		(163		)	1,143		(14		)	22,638		(177		)
Municipal bonds	—		—			419		(21		)	419		(21		)
Asset-backed securities	12,254		(12		)	—		—			12,254		(12		)
Total investment securities	$	73,165	$	(239	)	$	1,562	$	(35	)	$	74,727	$	(274	)

Investments classified by contractual maturity date

As of December 31, 2015, the contractual maturities of our available-for-sale investment securities were as follows:



	Amortized cost		Fair value
	(In thousands)
Due in one year or less	$	49,146	$	49,106
Due after one year through five years	12,668		12,634
Due after five years through ten years	320		324
Due after ten years	1,100		1,035
Mortgage and asset-backed securities	118,856		118,440
Total investment securities	$	182,090	$	181,539

- 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)

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	December 31, 2015			December 31, 2014
	(In thousands)
Overdrawn account balances due from cardholders	$	10,198		$	14,412
Reserve for uncollectible overdrawn accounts	(7,999		)	(11,196		)
Net overdrawn account balances due from cardholders	2,199			3,216

Trade receivables	10,644			8,265
Reserve for uncollectible trade receivables	(58		)	(16		)
Net trade receivables	10,586			8,249

Receivables due from card issuing banks	8,852			28,349
Fee advances	11,621			6,545
Other receivables	8,895			2,558
Accounts receivable, net	$	42,153		$	48,917

Allowance for Loan Losses

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



	Year Ended December 31,
	2015			2014			2013
	(In thousands)
Balance, beginning of period	$	11,196		$	10,363		$	15,677
Provision for uncollectible overdrawn accounts:
Fees	55,595			34,057			45,048
Purchase transactions	7,699			4,216			2,225
Charge-offs	(66,491		)	(37,440		)	(52,587		)
Balance, end of period	$	7,999		$	11,196		$	10,363

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



	Year Ended December 31,
	2015			2014			2013
	(In thousands)
Balance, beginning of period	$	444		$	464		$	475
Provision (benefit) for loans	(38		)	20			—
Loans charged off	(44		)	(66		)	(25		)
Recoveries of loans previously charged off	64			26			14
Balance, end of period	$	426		$	444		$	464

Loans to Bank Customers (Tables)

12 Months Ended

Dec. 31, 2015

Loans and Leases Receivable Disclosure [Abstract]

Past Due Financing Receivables

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



	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Total Outstanding
	(In thousands)
December 31, 2015
Residential	$	—		$	—		$	—		$	—		$	3,863		$	3,863
Commercial	—			—			19			19			294			313
Installment	2			—			—			2			2,527			2,529
Total loans	$	2		$	—		$	19		$	21		$	6,684		$	6,705

Percentage of outstanding	—		%	—		%	0.3		%	0.3		%	99.7		%	100.0		%

December 31, 2014
Residential	$	—		$	—		$	—		$	—		$	3,861		$	3,861
Commercial	—			—			—			—			697			697
Installment	1			3			4			8			2,428			2,436
Total loans	$	1		$	3		$	4		$	8		$	6,986		$	6,994

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

Nonperforming Loans



	December 31, 2015		December 31, 2014
	(In thousands)
Residential	$	366	$	54
Commercial	19		31
Installment	279		104
Total loans	$	664	$	189

Financing Receivable Credit Quality Indicators

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



	December 31, 2015				December 31, 2014
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Residential	$	3,404	$	459	$	3,604	$	257
Commercial	294		19		635		62
Installment	2,173		356		2,306		130
Total loans	$	5,871	$	834	$	6,545	$	449

Troubled Debt Restructurings

The following table presents our impaired loans and loans that we modified as TDRs as of December 31, 2015 and 2014:



	December 31, 2015				December 31, 2014
	Unpaid Principal Balance		Carrying Value		Unpaid Principal Balance		Carrying Value
	(In thousands)
Residential	$	24	$	19	$	97	$	54
Commercial	257		19		270		31
Installment	241		128		367		104

Allowance for Loan Losses

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



	Year Ended December 31,
	2015			2014			2013
	(In thousands)
Balance, beginning of period	$	11,196		$	10,363		$	15,677
Provision for uncollectible overdrawn accounts:
Fees	55,595			34,057			45,048
Purchase transactions	7,699			4,216			2,225
Charge-offs	(66,491		)	(37,440		)	(52,587		)
Balance, end of period	$	7,999		$	11,196		$	10,363

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



	Year Ended December 31,
	2015			2014			2013
	(In thousands)
Balance, beginning of period	$	444		$	464		$	475
Provision (benefit) for loans	(38		)	20			—
Loans charged off	(44		)	(66		)	(25		)
Recoveries of loans previously charged off	64			26			14
Balance, end of period	$	426		$	444		$	464

Property and Equipment (Tables)

12 Months Ended

Dec. 31, 2015

Property and Equipment [Abstract]

Property and equipment

The estimated useful lives of the respective classes of assets are as follows:



Land	N/A
Building	30 years
Computer equipment, furniture and office equipment	3-4 years
Computer software purchased	3 years
Capitalized internal-use software	2-7 years
Tenant improvements	Shorter of the useful life or the lease term

Property and equipment consisted of the following:



	December 31,
	2015			2014
	(In thousands)
Land	$	205		$	205
Building	605			605
Computer equipment, furniture, and office equipment	45,508			45,525
Computer software purchased	16,900			20,363
Capitalized internal-use software	113,721			89,023
Tenant improvements	9,914			9,172
	186,853			164,893
Less accumulated depreciation and amortization	(107,976		)	(87,609		)
Property and equipment, net	$	78,877		$	77,284

Goodwill and Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill and Intangible Assets

Goodwill and intangible assets on our consolidated balance sheets consisted of the following:



	December 31,
	2015		2014
	(In thousands)
Goodwill	$	208,079	$	144,662
Intangible assets, net	265,700		272,538
Goodwill and intangible assets	$	473,779	$	417,200

Schedule of Goodwill

Changes in the carrying amount of goodwill were as follows:



	December 31,
	2015			2014
	(In thousands)
Balance, beginning of period	$	144,662		$	27,250
Acquisitions	64,713			117,412
Adjustments related to final purchase accounting	(1,296		)	—
Balance, end of period	$	208,079		$	144,662

Schedule of Intangible Assets

The gross carrying amounts and accumulated amortization related to intangibles assets were as follows:



	December 31, 2015							December 31, 2014
	Gross Carrying Value		Accumulated Amortization			Net Book Value		Gross Carrying Value		Accumulated Amortization			Net Book Value		Weighted Average Useful Lives
	(In thousands)							(In thousands)							(Years)
Customer relationships	$	251,273	$	(23,862	)	$	227,411	$	236,387	$	(4,039	)	$	232,348	13.9
Trade names	38,586		(3,353		)	35,233		37,385		(546		)	36,839		14.5
Patents	3,000		(273		)	2,727		3,000		—			3,000		11.0
Other	964		(635		)	329		937		(586		)	351		9.3
Total intangible assets	$	293,823	$	(28,123	)	$	265,700	$	277,709	$	(5,171	)	$	272,538

Schedule of Finite-Lived Intangible Assets, Future Amortization Expense

The following table shows our estimated amortization expense for intangible assets for each of the next five succeeding years and thereafter :



	December 31,
	(In thousands)
2016	$	23,047
2017	23,029
2018	23,028
2019	22,860
2020	18,853
Thereafter	154,883
Total	$	265,700

Deposits (Tables)

12 Months Ended

Dec. 31, 2015

Deposits [Abstract]

Summary of Deposits

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



	December 31,
	2015		2014
Non-interest bearing deposit accounts	(In thousands)
GPR deposits	$	610,652	$	529,779
Other demand deposits	23,644		19,631
Total non-interest bearing deposit accounts	634,296		549,410
Interest-bearing deposit accounts
Negotiable order of withdrawal (NOW)	851		905
Savings	8,848		7,985
Time deposits, denominations greater than or equal to $100	6,268		5,263
Time deposits, denominations less than $100	1,882		1,838
Total interest-bearing deposit accounts	17,849		15,991
Total deposits	$	652,145	$	565,401

Contractual Maturities For Total Time Deposits

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



	December 31,
	(In thousands)
Due in 2016	$	3,483
Due in 2017	2,561
Due in 2018	455
Due in 2019	338
Due in 2020	1,313
Total time deposits	$	8,150

Note Payable (Tables)

12 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Schedule of Outstanding Notes Payable

As of December 31, 2015 and 2014, our outstanding debt consisted of the following, net of deferred financing costs of $5.8 million and $7.4 million, respectively:



	December 31, 2015		December 31, 2014
	(In thousands)
Term facility	$	121,652	$	142,617
Revolving facility	—		—
Total notes payable	$	121,652	$	142,617

Schedule of Future Contractual Principal Payments

The following table sets forth future annual contractual principal payment commitments as of December 31, 2015:



	December 31,
	(In thousands)
2016	$	22,500
2017	22,500
2018	22,500
2019	60,000
Total	$	127,500

Employee Stock-Based Compensation (Tables)

12 Months Ended

Dec. 31, 2015

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

Stock-based Compensation Expense



	Year Ended December 31,
	2015		2014		2013
	(In thousands)
Total stock-based compensation expense	$	27,011	$	20,329	$	14,703
Related income tax benefit	8,602		6,949		4,007

Summary of Stock Options and Restricted Stock Units Granted

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



	Year Ended December 31,
	2015		2014		2013
	(In thousands, except per share data)
Stock options granted	—		106		2,236
Weighted-average exercise price	$	—	$	20.92	$	18.88
Weighted-average grant-date fair value	$	—	$	10.75	$	7.20

Restricted stock units granted	1,980		2,035		1,272
Weighted-average grant-date fair value	$	16.34	$	19.49	$	22.16

Schedule of Stock Options Valuation Assumptions

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



	Year Ended December 31,
	2015		2014		2013
Risk-free interest rate	—	%	1.8	%	1.2	%
Expected term (life) of options (in years)	—		5.79		5.86
Expected dividends	—		—		—
Expected volatility	—	%	54.0	%	43.4	%

Schedule of Stock Option Activity

Stock option activity for the year ended December 31, 2015 was as follows:



	Options		Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Life (in Years)	Aggregate Intrinsic Value
	(In thousands, except per share data and years)
Outstanding at December 31, 2014	3,622		$	18.91
Options granted	—		—
Options exercised	(98	)	12.55
Options canceled	(176	)	21.40
Outstanding at December 31, 2015	3,348		$	18.97	5.70	$	5,921
Vested or expected to vest at December 31, 2015	3,320		18.96		5.68	$	5,907
Exercisable at December 31, 2015	2,679		18.99		5.33	$	5,351

Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity

Restricted stock unit activity for the year ended December 31, 2015 was as follows:



	Shares		Weighted-Average Grant-Date Fair Value
	(In thousands)
Outstanding at December 31, 2014	2,752		$	20.18
Restricted stock units granted	1,980		$	16.14
Restricted stock units canceled	(493	)	$	19.31
Restricted stock units vested	(793	)	$	20.12
Outstanding at December 31, 2015	3,446		$	17.99

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Components of Income Tax Expense

The components of income tax expense included in our consolidated statements of operations were as follows:



	Year Ended December 31,
	2015			2014			2013
	(In thousands)
Current:
Federal	$	18,988		$	24,382		$	11,880
State	1,104			1,368			1,116
Foreign	21			—			—
Current income tax expense	20,113			25,750			12,996
Deferred:
Federal	(138		)	760			6,776
State	(287		)	(224		)	(1,312		)
Foreign	19			(73		)	—
Deferred income tax expense	(406		)	463			5,464
Income tax expense	$	19,707		$	26,213		$	18,460

Recon of fed tax rate and actual income tax expense

Note 13—Income Taxes (continued)

Income tax expense 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:



	Year Ended December 31,
	2015		2014		2013
U.S. federal statutory tax rate	35.0	%	35.0	%	35.0	%
State income taxes, net of federal benefit	0.4		1.1		(0.2	)
General business credits	(0.9	)	(1.3	)	(2.3	)
Employee stock-based compensation	0.8		0.7		1.4
Transaction costs	(2.1	)	1.8		—
Other	0.7		0.7		1.2
Effective tax rate	33.9	%	38.0	%	35.1	%

Deferred Tax Assets and Liabilities

The tax effects of temporary difference that give rise to significant portions of our deferred tax assets and liabilities were as follows:



	December 31,
	2015		2014
	(In thousands)
Deferred tax assets:
Net operating loss carryforwards	$	14,726	$	15,172
Stock-based compensation	12,535		9,317
Reserve for overdrawn accounts	3,162		4,422
Accrued liabilities	6,206		5,866
Tax credit carryforwards	2,592		3,131
Other	2,531		2,151
Gross deferred tax assets	41,752		40,059
Valuation allowance	—		—
Total deferred tax assets, net of valuation allowance	$	41,752	$	40,059
Deferred tax liabilities:
Internal-use software costs	$	17,955	$	14,880
Property and equipment, net	1,669		3,924
Deferred expenses	4,730		5,856
Intangible assets	10,623		3,467
Gift card revenue	4,183		7,951
Other	—		1,708
Total deferred tax liabilities	39,160		37,786
Net deferred tax assets	$	2,592	$	2,273

Summary of Income Tax Contingencies

The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is as follows:



	Year Ended December 31,
	2015		2014		2013
	(In thousands)
Beginning balance	$	6,189	$	3,724	$	1,481
Increases related to positions taken during prior years	759		856		931
Increases related to positions taken during the current year	423		1,609		1,312
Ending balance	$	7,371	$	6,189	$	3,724

The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$	7,371	$	6,189	$	3,724

Earnings per Common Share (Tables)

12 Months Ended

Dec. 31, 2015

Earnings Per Share [Abstract]

Earnings Per Common Share

The calculation of basic and diluted EPS was as follows:



	Year Ended December 31,
	2015			2014			2013
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	38,415		$	42,693		$	34,040
Income attributable to preferred stock	(1,102		)	(4,842		)	(5,360		)
Income attributable to other classes of common stock	(21		)	(349		)	(642		)
Net income allocated to Class A common stockholders	$	37,292		$	37,502		$	28,038
Weighted-average Class A shares issued and outstanding	51,332			40,907			35,875
Basic earnings per Class A common share	$	0.73		$	0.92		$	0.78

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	37,292		$	37,502		$	28,038
Re-allocated earnings	11			94			172
Diluted net income allocated to Class A common stockholders	$	37,303		$	37,596		$	28,210
Weighted-average Class A shares issued and outstanding	51,332			40,907			35,875
Dilutive potential common shares:
Stock options	293			640			1,078
Restricted stock units	243			220			203
Employee stock purchase plan	7			3			—
Diluted weighted-average Class A shares issued and outstanding	51,875			41,770			37,156
Diluted earnings per Class A common share	$	0.72		$	0.90		$	0.76

Antidilutive Shares

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



	Year Ended December 31,
	2015	2014	2013
	(In thousands)
Class A common stock
Options to purchase Class A common stock	650	598	994
Restricted stock units	31	15	39
Conversion of convertible preferred stock	1,518	5,282	6,859
Total options, restricted stock units and convertible preferred stock	2,199	5,895	7,892

Fair Value Measurements (Tables)

12 Months Ended

Dec. 31, 2015

Fair Value Disclosures [Abstract]

Assets Carried at Fair Value on a Recurring Basis

As of December 31, 2015 and 2014, our assets and liabilities carried at fair value on a recurring basis were as follows:



	Level 1		Level 2		Level 3		Total Fair Value
December 31, 2015	(In thousands)
Assets
Corporate bonds	$	—	$	33,154	$	—	$	33,154
Commercial paper	—		6,505		—		6,505
U.S. Treasury notes	—		17,525		—		17,525
Agency securities	—		4,015		—		4,015
Mortgage-backed securities	—		99,772		—		99,772
Municipal bonds	—		1,900		—		1,900
Asset-backed securities	—		18,668		—		18,668
Total assets	$	—	$	181,539	$	—	$	181,539

Liabilities
Contingent consideration	$	—	$	—	$	13,889	$	13,889

December 31, 2014
Assets
Corporate bonds	$	—	$	40,389	$	—	$	40,389
Commercial paper	—		7,649		—		7,649
U.S. Treasury notes	—		14,771		—		14,771
Agency securities	—		2,950		—		2,950
Mortgage-backed securities	—		35,362		—		35,362
Municipal bonds	—		5,595		—		5,595
Asset-backed securities	—		13,715		—		13,715
Total assets	$	—	$	120,431	$	—	$	120,431

Liabilities
Contingent consideration	$	—	$	—	$	23,160	$	23,160

Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation

The following table presents changes in our contingent consideration payable for the years ended December 31, 2015 and 2014, which is categorized in Level 3 of the fair value hierarchy:



	Year Ended December 31,
	2015			2014
	(In thousands)
Balance, beginning of period	$	23,160		$	—
Issuance	—			24,500
Payments of contingent consideration	(1,071		)	(242		)
Purchase accounting adjustment	—			(400		)
Change in fair value of contingent consideration	(8,200		)	(698		)
Balance, end of period	$	13,889		$	23,160

Fair Value of Financial Instruments (Tables)

12 Months Ended

Dec. 31, 2015

Fair Value Disclosures [Abstract]

Fair Value of Assets Not Carried at Fair Value



	December 31, 2015				December 31, 2014
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers, net of allowance	$	6,279	$	5,847	$	6,550	$	5,399

Financial Liabilities
Deposits	$	652,145	$	652,060	$	565,401	$	565,345
Note payable	$	121,652	$	121,652	$	142,617	$	142,617

Commitments and Contingencies (Tables)

12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Schedule of Future Minimum Rental Payments for Operating Leases



	Operating Leases		Vendor/Retail Distributor Commitments
Year ending December 31,	(In thousands)
2016	$	8,352	$	29,101
2017	7,136		14,359
2018	5,788		7,274
2019	5,618		910
2020	5,745		—
Thereafter	10,988		—
Total of future commitments	$	43,627	$	51,644

Significant Customer Concentrations (Tables)

12 Months Ended

Dec. 31, 2015

Significant Customer Concentrations [Abstract]

Customer Concentrations

Revenues derived from our products sold at retail distributors constituting greater than 10% of our total operating revenues were as follows:



	Year Ended December 31,
	2015	2014	2013
Walmart	46%	54%	64%



	Year Ended December 31,
	2015	2014	2013
Walmart	46%	55%	65%

No other retail distributor made up greater than 10% of our total operating revenues for the years ended December 31, 2015, 2014, and 2013.

Unit Concentrations



	Year Ended December 31,
	2015	2014	2013
Concentration of GPR cards activated (in units)	61%	70%	82%
Concentration of sales of cash transfer products (in units)	81%	83%	87%

Settlement Asset Concentrations

Settlement assets derived from our products sold at our four largest retail distributors comprised the following percentages of the settlement assets recorded on our consolidated balance sheets:



	December 31, 2015	December 31, 2014
Walmart	62%	22%
Three other largest retail distributors, as a group	9%	6%

Regulatory Requirements (Tables)

12 Months Ended

Dec. 31, 2015

Regulatory Requirements [Abstract]

Schedule of Compliance with Regulatory Capital Requirements

Our capital ratios and related regulatory requirements were as follows:



	December 31, 2015
	Amount	Ratio		Regulatory Minimum⁽¹⁾		"Well-capitalized" Minimum ⁽¹⁾
	(In thousands, except ratios)
Green Dot Corporation:
Tier 1 leverage	347,801	25.9	%	4.0	%	n/a
Common equity Tier 1 capital	347,801	70.7	%	4.5	%	n/a
Tier 1 capital	347,801	70.7	%	6.0	%	6.0	%
Total risk-based capital	349,396	71.1	%	8.0	%	10.0	%

Green Dot Bank:
Tier 1 leverage	152,737	20.4	%	15.0	%	15.0	%
Common equity Tier 1 capital	152,737	132.2	%	4.5	%	6.5	%
Tier 1 capital	152,737	132.2	%	6.0	%	8.0	%
Total risk-based capital	153,164	132.5	%	8.0	%	10.0	%

	December 31, 2014
	Amount	Ratio		Regulatory Minimum⁽¹⁾		"Well-capitalized" Minimum⁽¹⁾
	(In thousands, except ratios)
Green Dot Corporation:
Tier 1 leverage	200,917	21.3	%	4.0	%	n/a
Tier 1 capital	200,917	45.4	%	5.5	%	6.0	%
Total risk-based capital	201,368	45.5	%	8.0	%	10.0	%

Green Dot Bank:
Tier 1 leverage	135,786	17.9	%	15.0	%	15.0	%
Tier 1 capital	135,786	70.6	%	5.5	%	6.0	%
Total risk-based capital	136,237	70.8	%	8.0	%	10.0	%



(1)	The tier 1 leverage regulatory minimum and well-capitalized minimum ratios for banks is 4% and 5%, respectively. Our subsidiary bank is subject to separate tier 1 leverage requirements that we have committed to with the Federal Reserve Board and Utah Department of Financial Institutions.

Selected Quarterly Financial Information (Tables)

12 Months Ended

Dec. 31, 2015

Quarterly Financial Information Disclosure [Abstract]

Schedule of Quarterly Financial Information

The following tables set forth a summary of our quarterly financial information for each of the four quarters in 2015 and 2014:



	2015
	Q4			Q3			Q2			Q1
	(In thousands, except per share data)
Total operating revenues	$	150,928		$	146,360		$	170,247		$	227,165
Total operating expenses	162,707			148,066			163,329			161,269
Operating (loss) income	(11,779		)	(1,706		)	6,918			65,896
Interest expense, net	(321		)	(337		)	(431		)	(118		)
(Loss) income before income taxes	(12,100		)	(2,043		)	6,487			65,778
Income tax (benefit) expense	(6,027		)	(2,222		)	2,991			24,965
Net (loss) income	$	(6,073	)	$	179		$	3,496		$	40,813
(Loss) earnings per common share
Basic
Class A common stock	$	(0.12	)	$	—		$	0.07		$	0.77
Diluted
Class A common stock	$	(0.12	)	$	—		$	0.06		$	0.76



	2014
	Q4			Q3		Q2		Q1
	(In thousands, except per share data)
Total operating revenues	$	150,609		$	144,659	$	147,016	$	159,269
Total operating expenses	150,339			131,331		125,284		135,609
Operating income	270			13,328		21,732		23,660
Interest (expense) income, net	(148		)	965		1,010		961
Other income	760			6,369		—		—
Income before income taxes	882			20,662		22,742		24,621
Income tax expense	1,727			6,771		8,399		9,316
Net (loss) income	$	(845	)	$	13,891	$	14,343	$	15,305
(Loss) earnings per common share
Basic
Class A common stock	$	(0.02	)	$	0.30	$	0.32	$	0.34
Diluted
Class A common stock	$	(0.02	)	$	0.30	$	0.31	$	0.33

Segment Information (Tables)

12 Months Ended

Dec. 31, 2015

Segment Reporting [Abstract]

Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation



	Year Ended December 31, 2015
	Account Services		Processing and Settlement Services		Corporate and Other			Total
	(In thousands)
Operating revenues	$	531,410	$	195,000	$	(31,710	)	$	694,700
Operating expenses	440,669		133,539		61,163			635,371
Operating income	$	90,741	$	61,461	$	(92,873	)	$	59,329

Organization (Details) customer in Thousands	12 Months Ended
Organization (Details) customer in Thousands	Dec. 31, 2015 customer store
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of retail stores - more than \| store	100,000
Number of independent online and in-person tax return preparers and accountants served \| customer	25

Summary of Significant Accounting Policies - Narrative (Details)	1 Months Ended	3 Months Ended	12 Months Ended
	Feb. 28, 2014 USD ($)	Dec. 31, 2015 USD ($)	Dec. 31, 2015 USD ($) d	Dec. 31, 2014 USD ($)	Dec. 31, 2013 USD ($)
Accounting Policies [Abstract]
Allowance for doubtful accounts receivable, write-offs, average recovery period			6 months
Allowance for doubtful accounts receivable, write-offs activity period			90 days
Nonaccrual status threshold \| d			90
Impairment of intangible assets			$ 0	$ 0	$ 0
Purchase price allocation measurement period			1 year
Impairment of goodwill		$ 0	$ 0	0	0
Property, Plant and Equipment [Line Items]
Asset impairment charges			5,900,000	0	5,200,000
Impairment of capitalized software			$ 5,881,000	0	5,216,000
Months to settle overdrawn accounts			2 months
Payments for overdrawn accounts	$ 50,000,000
Days to recognize cash transfer transactions			2 days
Advertising and marketing expenses			$ 10,100,000	6,800,000	10,400,000
Shipping, handling costs			$ 2,800,000	$ 3,100,000	$ 4,000,000
Customer Relationships and Trade Names [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Intangible assets estimated useful life			5 years
Customer Relationships and Trade Names [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Intangible assets estimated useful life			15 years

Summary of Significant Accounting Policies - Estimated Useful Lives (Details)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Line Items]
GPR and Gift Card, average useful life	5 months
Building [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, estimated useful lives	30 years
Computer equipment [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, estimated useful lives	3 years
Computer equipment [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, estimated useful lives	4 years
Software and software development costs [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, estimated useful lives	3 years
Capitalized internal-use software [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, estimated useful lives	2 years
Capitalized internal-use software [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, estimated useful lives	7 years

Summary of Significant Accounting Policies - New Accounting Pronouncements (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Net deferred tax liabilities	$ 1,272	$ 2,026
Deferred finance costs, net	5,800	7,400
New Accounting Pronouncement, Early Adoption, Effect [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Net deferred tax liabilities		2,000
Current net deferred tax liabilities		(2,000)
Prepaid expenses and other current assets [Member] \| New Accounting Pronouncement, Early Adoption, Effect [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Deferred finance costs, net	(5,800)	(7,400)
Long-term line of credit, noncurrent [Member] \| New Accounting Pronouncement, Early Adoption, Effect [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Deferred finance costs, net	5,800	$ 7,400
Senior Credit Facility [Member] \| New Accounting Pronouncement, Early Adoption, Effect [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Deferred finance costs, net	$ 1,500

Business Acquisitions Acquisition (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended	12 Months Ended
	Jan. 31, 2015	Dec. 31, 2015	Dec. 31, 2015	Dec. 31, 2014
Business Acquisition [Line Items]
Goodwill, acquired during period			$ 64,713	$ 117,412
Adjustments related to final purchase accounting			$ (1,296)	$ 0
AccountNow, Inc. [Member]
Business Acquisition [Line Items]
Total consideration	$ 78,700
Cash acquired	3,300
Accounts receivable, net	4,100
Prepaid expenses and other assets	6,400
Accrued liabilities acquired	(12,800)
Goodwill, acquired during period	61,600
Finite-lived intangible assets acquired	$ 16,100
Fair value of assets and liabilities acquired determination period	12 months
Adjustments related to final purchase accounting		$ 1,200
AccountNow, Inc. [Member] \| Common Class A [Member]
Business Acquisition [Line Items]
Equity consideration - number of shares	514,000

Business Acquisitions - Narrative (Details) $ / shares in Units, customer in Thousands, shares in Millions		2 Months Ended	12 Months Ended
	Oct. 23, 2014 USD ($) customer $ / shares shares	Dec. 31, 2014 USD ($)	Dec. 31, 2015 USD ($) customer	Dec. 31, 2014 USD ($) business shares	Dec. 31, 2013 USD ($)
Business Acquisition [Line Items]
Number of independent tax return prepares and accountants nationwide served by PTG's software \| customer			25
Borrowings from note payable			$ 30,001,000	$ 0	$ 0
Goodwill		$ 144,662,000	208,079,000	$ 144,662,000	$ 27,250,000
TPG [Member]
Business Acquisition [Line Items]
Number of independent tax return prepares and accountants nationwide served by PTG's software \| customer	25
Total consideration	$ 358,545,000
Cash paid for acquisitions	204,471,000
Equity consideration	134,074,000
Contingent consideration	20,000,000
Goodwill	100,892,000
Intangible assets	251,500,000
Cash acquired	$ 2,154,000
Amortization period for intangible assets	15 years
Operating results of TPG included in our consolidated financial statements - revenues		400,000
Operating results of TPG included in our consolidated financial statements - net losses		(7,600,000)
Goodwill amortization statutory period	15 years
Initial accounting adjustment for accrued liabilities			$ 600,000
TPG [Member] \| Other General and Administrative Expense [Member]
Business Acquisition [Line Items]
Transaction costs incurred	$ 6,200,000
TPG [Member] \| Customer Relationships [Member]
Business Acquisition [Line Items]
Intangible assets	215,000,000
TPG [Member] \| Trade Names [Member]
Business Acquisition [Line Items]
Intangible assets	36,500,000
TPG [Member] \| Senior Credit Facility [Member] \| Term Loan [Member]
Business Acquisition [Line Items]
Borrowings from note payable	150,000,000
TPG [Member] \| Earn Out Payable [Member]
Business Acquisition [Line Items]
Potential cash earn-out payable	$ 80,000,000.0
TPG [Member] \| Common Class A [Member]
Business Acquisition [Line Items]
Equity consideration - number of shares \| shares	6.1
Closing share price (in usd per share) \| $ / shares	$ 21.86
Number of shares deposited in an escrow fund \| shares	1.1
Series of Individually Immaterial Business Acquisitions [Member]
Business Acquisition [Line Items]
Number of other businesses acquired \| business				2
Cash paid for acquisitions				$ 25,500,000
Equity consideration				10,000,000
Contingent consideration				4,100,000
Goodwill		16,500,000		16,500,000
Intangible assets		22,200,000		22,200,000
Net assets acquired		900,000		900,000
Cash acquired		$ 1,600,000		$ 1,600,000
Series of Individually Immaterial Business Acquisitions [Member] \| Customer Relationships [Member] \| Minimum [Member]
Business Acquisition [Line Items]
Amortization period for intangible assets				5 years
Series of Individually Immaterial Business Acquisitions [Member] \| Customer Relationships [Member] \| Maximum [Member]
Business Acquisition [Line Items]
Amortization period for intangible assets				10 years
Series of Individually Immaterial Business Acquisitions [Member] \| Common Class A [Member]
Business Acquisition [Line Items]
Equity consideration - number of shares \| shares				0.5

Business Acquisitions - Purchase Price Consideration (Details) - TPG [Member] $ in Thousands	Oct. 23, 2014 USD ($)
Business Acquisition [Line Items]
Cash, including proceeds from Term Loan	$ 204,471
Fair value of shares of Class A common stock issued	134,074
Fair value of contingent consideration	20,000
Total consideration	$ 358,545

Business Acquisitions - Assets Acquired, Goodwill, and Liabilities Assumed (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Oct. 23, 2014	Dec. 31, 2013
Business Acquisition [Line Items]
Goodwill	$ 208,079	$ 144,662		$ 27,250
TPG [Member]
Business Acquisition [Line Items]
Cash and cash equivalents			$ 2,154
Accounts receivable, net			1,883
Prepaid expenses and other assets			642
Property and equipment, net			5,590
Intangible assets			251,500
Goodwill			100,892
Total assets:			362,661
Accounts payable and other liabilities			2,045
Other liabilities			2,071
Total liabilities:			4,116
Net assets acquired			358,545
TPG [Member] \| Customer Relationships [Member]
Business Acquisition [Line Items]
Intangible assets			215,000
TPG [Member] \| Trade Names [Member]
Business Acquisition [Line Items]
Intangible assets			$ 36,500

Business Acquisitions - Pro Forma Results (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Business Combinations [Abstract]
Net revenues	$ 681,506	$ 655,060
Net income attributable to common stock	$ 60,458	$ 40,439
Basic earnings per common share (in usd per share)	$ 1.32	$ 0.96
Diluted earnings per common share (in usd per share)	$ 1.30	$ 0.94
Basic weighted-average common shares issued and outstanding	45,863	42,008
Diluted weighted-average common shares issued and outstanding	46,726	43,289

Investment Securities - Gross Gains and Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized cost basis	$ 182,090	$ 120,515
Gross Unrealized gains	209	190
Gross unrealized losses	(760)	(274)
Fair Value	181,539	120,431
Corporate bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost basis	33,201	40,433
Gross Unrealized gains	0	4
Gross unrealized losses	(47)	(48)
Fair Value	33,154	40,389
Commercial paper [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost basis	6,504	7,648
Gross Unrealized gains	3	1
Gross unrealized losses	(2)	0
Fair Value	6,505	7,649
US treasury notes [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost basis	17,541	14,782
Gross Unrealized gains	0	5
Gross unrealized losses	(16)	(16)
Fair Value	17,525	14,771
Agency securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost basis	4,034	2,950
Gross Unrealized gains	0	0
Gross unrealized losses	(19)	0
Fair Value	4,015	2,950
Mortgage-backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost basis	100,131	35,420
Gross Unrealized gains	195	119
Gross unrealized losses	(554)	(177)
Fair Value	99,772	35,362
Municipal bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost basis	1,954	5,555
Gross Unrealized gains	11	61
Gross unrealized losses	(65)	(21)
Fair Value	1,900	5,595
Asset-backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost basis	18,725	13,727
Gross Unrealized gains	0	0
Gross unrealized losses	(57)	(12)
Fair Value	$ 18,668	$ 13,715

Investment Securities - Continuous Unrealized Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	$ 118,580	$ 73,165
Unrealized losses, less than 12 months	(526)	(239)
Fair value, 12 months or more	33,232	1,562
Unrealized losses, 12 months or more	(234)	(35)
Total fair value	151,812	74,727
Total unrealized losses	(760)	(274)
Other than temporary impairment losses, investments	0	0
Corporate bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	20,416	33,348
Unrealized losses, less than 12 months	(22)	(48)
Fair value, 12 months or more	10,679	0
Unrealized losses, 12 months or more	(25)	0
Total fair value	31,095	33,348
Total unrealized losses	(47)	(48)
Commercial paper [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	4,322
Unrealized losses, less than 12 months	(2)
Fair value, 12 months or more	0
Unrealized losses, 12 months or more	0
Total fair value	4,322
Total unrealized losses	(2)
US treasury notes [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	17,525	6,068
Unrealized losses, less than 12 months	(16)	(16)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	17,525	6,068
Total unrealized losses	(16)	(16)
Agency securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	4,015
Unrealized losses, less than 12 months	(19)
Fair value, 12 months or more	0
Unrealized losses, 12 months or more	0
Total fair value	4,015
Total unrealized losses	(19)
Mortgage-backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	53,634	21,495
Unrealized losses, less than 12 months	(410)	(163)
Fair value, 12 months or more	21,518	1,143
Unrealized losses, 12 months or more	(144)	(14)
Total fair value	75,152	22,638
Total unrealized losses	(554)	(177)
Municipal bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	0	0
Unrealized losses, less than 12 months	0	0
Fair value, 12 months or more	1,035	419
Unrealized losses, 12 months or more	(65)	(21)
Total fair value	1,035	419
Total unrealized losses	(65)	(21)
Asset-backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	18,668	12,254
Unrealized losses, less than 12 months	(57)	(12)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	18,668	12,254
Total unrealized losses	$ (57)	$ (12)

Investment Securities - Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Due in one year or less, amortized cost basis	$ 49,146
Due after one year through five, amortized cost basis	12,668
Due after five years through ten years, amortized cost basis	320
Due after ten years, amortized cost basis	1,100
Asset-backed securities, amortized cost basis	118,856
Total fixed income secutities, amortized cost basis	182,090
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Due in one year or less, fair value	49,106
Due after one year through five, fair value	12,634
Due after one year through five, fair value	324
Due after ten years, fair value	1,035
Mortgage and asset-backed securities	118,440
Total investment securities	$ 181,539	$ 120,431

Accounts Receivable - Accounts receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Net	$ 42,153	$ 48,917
Overdrawn Account Balances due from Cardholders [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	10,198	14,412
Allowance for Doubtful Accounts Receivable	(7,999)	(11,196)	$ (10,363)	$ (15,677)
Accounts Receivable, Net	2,199	3,216
Trade receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	10,644	8,265
Allowance for Doubtful Accounts Receivable	(58)	(16)
Accounts Receivable, Net	10,586	8,249
Fee advances [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	11,621	6,545
Other receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	8,895	2,558
Receivables due from card issuing banks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	$ 8,852	$ 28,349

Accounts Receivable - Reserve for uncollectible overdrawn accounts activity (Details) - Reserve for uncollectible overdrawn accounts [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Uncollectible Overdrawn Accounts [Roll Forward]
Balance, beginning of period	$ 11,196	$ 10,363	$ 15,677
Fees	55,595	34,057	45,048
Purchase transactions	7,699	4,216	2,225
Charge-offs	(66,491)	(37,440)	(52,587)
Balance, end of period	$ 7,999	$ 11,196	$ 10,363

Loans to Bank Customers Loan Summary (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Outstanding Loans to Bank Customers	$ 6,279	$ 6,550
Percentage outstanding, 30-59 days past due	0.00%	0.00%
Percentage outstanding, 60-89 days past due	0.00%	0.00%
Percentage outstanding, 90 days or more past due	0.30%	0.10%
Loans, Percentage Outstanding, Total Past Due 30 Days or More	0.30%	0.10%
Percentage outstanding, current or less than 30 days past due	99.70%	99.90%
Percentage outstanding	100.00%	100.00%
Residential Loans [Member]
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	3,863	3,861
Total Outstanding Loans to Bank Customers	3,863	3,861
Commercial Loans [Member]
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	19	0
Past due 30 days or more	19	0
Total Current or Less Than 30 Days Past Due	294	697
Total Outstanding Loans to Bank Customers	313	697
Installment Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	2	1
60-89 days past due	0	3
90 days or more past due	0	4
Past due 30 days or more	2	8
Total Current or Less Than 30 Days Past Due	2,527	2,428
Total Outstanding Loans to Bank Customers	2,529	2,436
Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	2	1
60-89 days past due	0	3
90 days or more past due	19	4
Past due 30 days or more	21	8
Total Current or Less Than 30 Days Past Due	6,684	6,986
Total Outstanding Loans to Bank Customers	$ 6,705	$ 6,994

Loans to Bank Customers Nonperforming Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Residential Loans [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	$ 366	$ 54
Commercial Loans [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	19	31
Installment Loans [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	279	104
Nonperforming Financing Receivable
Nonperforming Loans [Line Items]
Nonperforming loans	$ 664	$ 189

Loans to Bank Customers - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	$ 6,279	$ 6,550
Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	5,871	6,545
Nonperforming Financing Receivable
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	834	449
Residential Loans [Member]
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	3,863	3,861
Residential Loans [Member] \| Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	3,404	3,604
Residential Loans [Member] \| Nonperforming Financing Receivable
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	459	257
Commercial Loans [Member]
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	313	697
Commercial Loans [Member] \| Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	294	635
Commercial Loans [Member] \| Nonperforming Financing Receivable
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	19	62
Installment Loans [Member]
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	2,529	2,436
Installment Loans [Member] \| Non-Classified
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	2,173	2,306
Installment Loans [Member] \| Nonperforming Financing Receivable
Outstanding Loans [Line Items]
Loans to Bank Customers, Carrying Amount	$ 356	$ 130

Loans to Bank Customers - Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Residential Loans [Member]
Loan Modifications [Line Items]
Unpaid principal balance	$ 24	$ 97
Carrying value	19	54
Commercial Loans [Member]
Loan Modifications [Line Items]
Unpaid principal balance	257	270
Carrying value	19	31
Installment Loans [Member]
Loan Modifications [Line Items]
Unpaid principal balance	241	367
Carrying value	$ 128	$ 104

Loans to Bank Customers - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, beginning of period	$ 444	$ 464	$ 475
Provision for loans	(38)	20	0
Loans charged off	(44)	(66)	(25)
Recoveries of loans previously charged off	64	26	14
Allowance for loan losses, end of period	$ 426	$ 444	$ 464

- Property and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 186,853	$ 164,893
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	(107,976)	(87,609)
Property, Plant and Equipment, Net	78,877	77,284
Land [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	205	205
Building [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	605	605
Computer equipment, furniture, and office equipment
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	45,508	45,525
Computer software purchased
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	16,900	20,363
Capitalized internal-use software
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	113,721	89,023
Tenant improvements
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 9,914	$ 9,172

Property and Equipment -Narrative (Details) - USD ($)	12 Months Ended
Property and Equipment -Narrative (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	$ 38,500,000	$ 32,500,000	$ 27,000,000
Depreciation and amortization expense	38,509,000	32,454,000	26,971,000
Asset impairment charges	5,900,000	0	5,200,000
Capitalized computer software, net	47,600,000	39,800,000
Capitalized internal-use software
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	$ 23,000,000	$ 18,400,000	$ 15,000,000

Goodwill and Intangible Assets - Goodwill and Intangible Assets Summary (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 208,079	$ 144,662	$ 27,250
Intangible assets, net	265,700	272,538
Goodwill and intangible assets	$ 473,779	$ 417,200

Goodwill and Intangible Assets - Goodwill Rollforward (Details) - USD ($)	3 Months Ended	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]
Impairment of goodwill	$ 0	$ 0	$ 0	$ 0
Goodwill [Roll Forward]
Balance, beginning of period		144,662,000	27,250,000
Acquisitions		64,713,000	117,412,000
Adjustments related to final purchase accounting		(1,296,000)	0
Balance, end of period	$ 208,079,000	$ 208,079,000	$ 144,662,000	$ 27,250,000

Goodwill and Intangible Assets - Intangible Assets Summary (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Finite-Lived Intangible Assets [Line Items]
Impairment of Intangible Assets, Finite-lived	$ 0	$ 0
Gross Carrying Value	293,823,000	277,709,000
Accumulated Amortization	(28,123,000)	(5,171,000)
Net Book Value	265,700,000	272,538,000
Amortization of intangible assets	23,205,000	4,530,000	$ 128,000
Customer Relationships [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Value	251,273,000	236,387,000
Accumulated Amortization	(23,862,000)	(4,039,000)
Net Book Value	$ 227,411,000	232,348,000
Weighted Average Useful Lives	13 years 329 days
Trade Names [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Value	$ 38,586,000	37,385,000
Accumulated Amortization	(3,353,000)	(546,000)
Net Book Value	$ 35,233,000	36,839,000
Weighted Average Useful Lives	14 years 183 days
Patents [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Value	$ 3,000,000	3,000,000
Accumulated Amortization	(273,000)	0
Net Book Value	$ 2,727,000	3,000,000
Weighted Average Useful Lives	11 years
Other [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Value	$ 964,000	937,000
Accumulated Amortization	(635,000)	(586,000)
Net Book Value	$ 329,000	$ 351,000
Weighted Average Useful Lives	9 years 110 days

Goodwill and Intangible Assets - Intangible Assets Future Amortization Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Estimated Amortization Expense, Next Five Years [Abstract]
2016	$ 23,047
2017	23,029
2018	23,028
2019	22,860
2020	18,853
Thereafter	154,883
Net Book Value	$ 265,700	$ 272,538

Deposits - Summary of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Non-interest bearing deposit accounts
GPR deposits	$ 610,652	$ 529,779
Other demand deposits	23,644	19,631
Total non-interest bearing deposit accounts	634,296	549,410
Interest-bearing deposit accounts
Negotiable order of withdrawal (NOW)	851	905
Savings	8,848	7,985
Time deposits, denominations greater than or equal to $100	6,268	5,263
Time deposits, denominations less than $100	1,882	1,838
Total interest-bearing deposit accounts	17,849	15,991
Total deposits	$ 652,145	$ 565,401

Deposits - Contractual Maturities (Details) $ in Thousands	Dec. 31, 2015 USD ($)
Deposits [Abstract]
Due in 2016	$ 3,483
Due in 2017	2,561
Due in 2018	455
Due in 2019	338
Due in 2020	1,313
Total time deposits	$ 8,150

Note Payable - Outstanding (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Line of Credit Facility [Line Items]
Deferred finance costs, net	$ 5,800	$ 7,400
Total notes payable	121,652	142,617
Senior Credit Facility [Member] \| Bank of America, Wells Fargo Bank, and Other Lenders [Member]
Line of Credit Facility [Line Items]
Total notes payable	121,652	142,617
Senior Credit Facility [Member] \| Bank of America, Wells Fargo Bank, and Other Lenders [Member] \| Term Facility [Member]
Line of Credit Facility [Line Items]
Total notes payable	121,652	142,617
Senior Credit Facility [Member] \| Bank of America, Wells Fargo Bank, and Other Lenders [Member] \| Revolving Facility [Member]
Line of Credit Facility [Line Items]
Total notes payable	$ 0	$ 0

- Definition

The carrying value as of the balance sheet date of the current and noncurrent portions of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement.

+ References + Details

Note Payable - Narrative (Details) - Senior Credit Facility [Member] - Bank of America, Wells Fargo Bank, and Other Lenders [Member] - USD ($)	1 Months Ended	12 Months Ended
	Oct. 31, 2014	Dec. 31, 2015	Dec. 31, 2014
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 225,000,000.0	$ 127,500,000
Accordion feature - potential increase in borrowing capacity	50,000,000.0
Effective interest rate on outstanding borrowings		3.17%
Interest expense		$ 4,300,000	$ 900,000
Quarterly principal payments	$ 5,625,000
Minimum [Member]
Line of Credit Facility [Line Items]
Commitment fee	0.30%
Maximum [Member]
Line of Credit Facility [Line Items]
Commitment fee	0.40%
London Interbank Offered Rate (LIBOR) [Member] \| Minimum [Member]
Line of Credit Facility [Line Items]
Basis spread on variable base rate	2.50%
London Interbank Offered Rate (LIBOR) [Member] \| Maximum [Member]
Line of Credit Facility [Line Items]
Basis spread on variable base rate	3.00%
Base Rate [Member] \| Minimum [Member]
Line of Credit Facility [Line Items]
Basis spread on variable base rate	1.50%
Base Rate [Member] \| Maximum [Member]
Line of Credit Facility [Line Items]
Basis spread on variable base rate	2.00%
Base Rate Condition (b) - US federal funds rate [Member]
Line of Credit Facility [Line Items]
Margin included in variable base rate	0.50%
Base Rate Condition (c) - LIBOR rate [Member]
Line of Credit Facility [Line Items]
Margin included in variable base rate	1.00%
Revolving Facility [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 75,000,000.0
Facility term	5 years
Term Facility [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 150,000,000.0
Facility term	5 years

Note Payable - Repayments of Principal (Details) - Senior Credit Facility [Member] - Bank of America, Wells Fargo Bank, and Other Lenders [Member] - USD ($)	Dec. 31, 2015	Oct. 31, 2014
Line of Credit Facility [Line Items]
2016	$ 22,500,000
2017	22,500,000
2018	22,500,000
2019	60,000,000
Total	$ 127,500,000	$ 225,000,000.0

Stockholders' Equity (Narrative) (Details)						1 Months Ended		2 Months Ended	3 Months Ended	12 Months Ended
Stockholders' Equity (Narrative) (Details)	Jan. 02, 2016 USD ($) $ / shares	Sep. 04, 2015 USD ($) shares	Dec. 12, 2014 USD ($) offering shares	Oct. 23, 2014	May 02, 2010 $ / shares shares	Jan. 31, 2016 USD ($) $ / shares	Dec. 31, 2015 USD ($) Vote / shares $ / shares shares	Jan. 31, 2016 USD ($)	Dec. 31, 2015 USD ($) Vote / shares $ / shares shares	Dec. 31, 2015 USD ($) Vote / shares $ / shares shares	Dec. 31, 2014 USD ($) shares	Dec. 31, 2013 USD ($)	Jun. 30, 2015 USD ($)	Dec. 31, 2011 shares
Convertible Series A Preferred Stock, shares authorized \| shares														10,085
Minimum anticipated sales price to request Form S-3 Registration							$ 1,000,000		$ 1,000,000	$ 1,000,000
Tax impact on unrealized losses and gains on investment securities available-for-sale										(300,000)	$ 0	$ (100,000)
Payments for Repurchase of Common Stock										$ 40,986,000	$ 0	$ 0
Common Class A [Member]
Votes per share \| Vote / shares							1		1	1
Voting Threshold							24.90%		24.90%	24.90%
Reduced Voting Power							14.90%		14.90%	14.90%
Common stock, shares, issued \| shares							50,502,000		50,502,000	50,502,000	51,146,000
Stock Repurchase Program, Authorized Amount													$ 150,000,000
Stock Repurchased During Period, Value										$ 41,700,000
Common Class B [Member]
Conversion of Stock, Shares Converted Class B to Series A Preferred \| shares														6,859,000
Nonredeemable Convertible Preferred Stock [Member]
Convertible Series A Preferred Stock, shares issued \| shares							1,515		1,515	1,515	1,515			6,859
Preferred Stock, Redemption Price Per Share \| $ / shares							$ 0.01		$ 0.01	$ 0.01
Series A Conversion, Criteria 2							2.00%		2.00%	2.00%
Series A Conversion, Criteria 3							50.00%		50.00%	50.00%
Convertible Preferred Stock, Shares Issued upon Conversion \| shares							1,000		1,000	1,000
Series A Convertible Junior Participating Non-Cumulative Perpetual Preferred Stock to Common Class A [Member]
Conversion of stock (in shares) \| shares											5,345
Walmart [Member] \| Common Class A [Member]
Stock Repurchase Program, Period in Force					5 years
Common stock, shares, issued \| shares					2,208,552		2,208,552		2,208,552	2,208,552
Walmart Repurchase Price \| $ / shares					$ 0.01
Shares, Monthly Vesting, Amount \| shares					36,810		36,810		36,810	36,810
Stock Options [Member] \| Walmart [Member] \| Common Class A [Member]
Unvested Walmart shares \| shares											147,192
TPG [Member] \| Common Class A [Member]
Period to file registration statement				75 days
Remaining registrable securities (in shares) \| shares			1,840,001
Aggregate number of shares issued in acquisition (percent)			30.00%
Period after acquisition close			30 months
Aggregate registered securities holdings			$ 30,000,000
Number of underwritten offerings \| offering			2
Aggregate offering price			$ 30,000,000
Accelerated Share Repurchase Agreement [Member]
Payments for Repurchase of Common Stock		$ 40,000,000
Treasury stock acquired (in shares) \| shares		1,800,000
Stock Repurchase Program, Number of Transactions \| shares		2
Treasury Stock, Value		$ 32,000,000
Adjustments to Additional Paid In Capital, Decrease, Issuance of Forward Contract Indexed to Issuer's Own Equity		$ 8,000,000
Treasury Stock, Shares, Retired \| shares									1,800,000
December 2015 Repurchase Plan [Member]
Payments for Repurchase of Common Stock							$ 10,000,000
Treasury Stock, Value							$ 100,000		$ 100,000	$ 100,000
Treasury Stock Acquired, Average Cost Per Share \| $ / shares							$ 16.49
Subsequent Event [Member] \| Accelerated Share Repurchase Agreement [Member]
Treasury Stock, Value	$ 2,300,000
Treasury Stock Acquired, Average Cost Per Share \| $ / shares	$ 17.08
Subsequent Event [Member] \| December 2015 Repurchase Plan [Member]
Stock Repurchased During Period, Value						$ 1,700,000		$ 600,000
Treasury Stock Acquired, Average Cost Per Share \| $ / shares						$ 16.15

Employee Stock-Based Compensation (Narrative) (Details) - USD ($) $ in Thousands	1 Months Ended		12 Months Ended
	Jun. 30, 2010	Jan. 31, 2001	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	May 02, 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Total Intrinsic Value			$ 500	$ 14,000	$ 17,900
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Total Fair Value			14,000	8,200	4,500
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Stock Options			$ 5,300	45,700
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Period for Recognition			1 year 161 days
Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition, Restricted Stock			2 years 245 days
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			2,400,000
Stock-based retailer incentive compensation			$ 2,520	$ 8,932	$ 8,722
Common Class A [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock, shares, issued			50,502,000	51,146,000
2001 Stock Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period		4 years
2001 Stock Plan [Member] \| Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation, Award Expiration Period		5 years
2001 Stock Plan [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation, Award Expiration Period		10 years
2010 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	4 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	2,000,000
Share-based Compensation Arrangement by Share-based Payment Award, Evergreen Percentage			3.00%
Share-based Compensation Arrangement by Share-based Payment Award, Number of Additional Shares Authorized				3,400,000
2010 Equity Incentive Plan [Member] \| Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation, Award Expiration Period	5 years
2010 Equity Incentive Plan [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation, Award Expiration Period	10 years
2010 Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	200,000
Walmart [Member] \| Common Class A [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock, shares, issued			2,208,552			2,208,552
Shares, Monthly Vesting, Amount			36,810			36,810

Employee Stock-Based Compensation - Stock-based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee stock-based compensation	$ 27,011	$ 20,329	$ 14,703
Allocated Share-based Compensation Expense	$ 8,602	$ 6,949	$ 4,007

Employee Stock-Based Compensation - Share-based Compensation Equity Granted (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	$ 0.00
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	0	106	2,236
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	$ 0.00	$ 20.92	$ 18.88
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	0.00	10.75	7.20
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 16.34	$ 19.49	$ 22.16
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	1,980	2,035	1,272

Employee Stock-Based Compensation - Granted Equity Assumptions (Details) - 2010 Equity Incentive Plan [Member]	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate	0.00%	1.80%	1.20%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term	0 years	5 years 9 months 15 days	5 years 314 days
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate	0.00%	0.00%	0.00%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate	0.00%	54.00%	43.40%

Employee Stock-Based Compensation - Stock-based Compensation Option Activity (Details) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2015 USD ($) $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number \| shares	3,622
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Net of Forfeitures \| shares	0
Common stock issued under stock plans, net of withholding and related tax effects (in shares) \| shares	(98)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period \| shares	176
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number \| shares	3,348
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number \| shares	3,320
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number \| shares	2,679
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price \| $ / shares	$ 18.91
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price \| $ / shares	0.00
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price \| $ / shares	12.55
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price \| $ / shares	21.40
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price \| $ / shares	18.97
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price \| $ / shares	18.96
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price \| $ / shares	$ 18.99
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	5 years 256 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term	5 years 248 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term	5 years 120 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value \| $	$ 5,921
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value \| $	5,907
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value \| $	$ 5,351

Employee Stock-Based Compensation - Restricted Stock Units Granted Roll (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding, Number	2,752
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted	1,980
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Forfeitures and Expirations	(493)
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Exercised	(793)
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding, Number	3,446	2,752
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 20.18
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	16.14
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	19.31
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	20.12
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 17.99	$ 20.18
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Total Fair Value	$ 14.0	$ 8.2	$ 4.5

Income Taxes - Narrative (Details) $ in Millions	12 Months Ended
Income Taxes - Narrative (Details) $ in Millions	Dec. 31, 2015 USD ($)
Domestic Tax Authority [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 46.2
State and Local Jurisdiction [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	35.1
State and Local Jurisdiction [Member] \| Between Tax Year 2028 and 2034 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	5.8
State and Local Jurisdiction [Member] \| Tax Year 2024 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 0.9
Internal Revenue Service (IRS) [Member] \| Minimum [Member] \| State and Local Jurisdiction [Member]
Operating Loss Carryforwards [Line Items]
Income tax examination, period	4 years
Internal Revenue Service (IRS) [Member] \| Maximum [Member] \| State and Local Jurisdiction [Member]
Operating Loss Carryforwards [Line Items]
Income tax examination, period	5 years

Income Taxes - Schedule of Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Current:
Federal									$ 18,988	$ 24,382	$ 11,880
State									1,104	1,368	1,116
Foreign									21	0	0
Current income tax expense									20,113	25,750	12,996
Deferred Income Tax Expense (Benefit), Continuing Operations [Abstract]
Federal									(138)	760	6,776
State									(287)	(224)	(1,312)
Foreign									19	(73)	0
Deferred income tax (benefit) expense									(406)	463	5,464
Income tax expense	$ (6,027)	$ (2,222)	$ 2,991	$ 24,965	$ 1,727	$ 6,771	$ 8,399	$ 9,316	$ 19,707	$ 26,213	$ 18,460

Income Taxes - Effective Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Effective Income Tax Rate Reconciliation, Percent [Abstract]
U.S. federal statutory tax rate	35.00%	35.00%	35.00%
State income taxes, net of federal benefit	0.40%	1.10%	(0.20%)
General business credits	(0.90%)	(1.30%)	(2.30%)
Employee stock-based compensation	0.80%	0.70%	1.40%
Transaction costs	(2.10%)	1.80%	0.00%
Other	0.70%	0.70%	1.20%
Effective tax rate	33.90%	38.00%	35.10%

Income Taxes - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Net operating loss carryforwards	$ 14,726	$ 15,172
Stock-based compensation	12,535	9,317
Reserve for overdrawn accounts	3,162	4,422
Accrued liabilities	6,206	5,866
Tax credit carryforwards	2,592	3,131
Other	2,531	2,151
Gross deferred tax assets	41,752	40,059
Valuation allowance	0	0
Total deferred tax assets, net of valuation allowance	41,752	40,059
Deferred Tax Liabilities, Gross [Abstract]
Internal-use software costs	17,955	14,880
Property and equipment, net	1,669	3,924
Deferred expenses	4,730	5,856
Intangible assets	10,623	3,467
Gift card revenue	4,183	7,951
Other	0	1,708
Total deferred tax liabilities	39,160	37,786
Net deferred tax assets	$ 2,592	$ 2,273

Income Taxes - Rollforward of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Contingency [Line Items]
Income tax penalties and interest accrued	$ 200	$ 400	$ 300
Domestic Tax Authority [Member]
Income Tax Contingency [Line Items]
Beginning balance	6,189	3,724	1,481
Increases related to positions taken during prior years	759	856	931
Increases related to positions taken during the current year	423	1,609	1,312
Ending balance	7,371	6,189	3,724
The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$ 7,371	$ 6,189	$ 3,724

Earnings per Common Share - Basic Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net income	$ (6,073)	$ 179	$ 3,496	$ 40,813	$ (845)	$ 13,891	$ 14,343	$ 15,305	$ 38,415	$ 42,693	$ 34,040
Income attributable to preferred stock									$ (1,102)	$ (4,842)	$ (5,360)
Weighted-average Class A shares issued and outstanding									51,332	40,907	35,875
Basic earnings per common share (in USD per share)									$ 0.73	$ 0.92	$ 0.78
Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Income attributable to preferred stock									$ (1,102)	$ (4,842)	$ (5,360)
Net income allocated to Class A common stockholders									$ 37,292	$ 37,502	$ 28,038
Weighted-average Class A shares issued and outstanding									51,332	40,907	35,875
Basic earnings per common share (in USD per share)	$ (0.12)	$ 0.00	$ 0.07	$ 0.77	$ (0.02)	$ 0.30	$ 0.32	$ 0.34	$ 0.73	$ 0.92	$ 0.78
Common Class B [Member] \| Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Income attributable to other classes of common stock									$ (21)	$ (349)	$ (642)

- Definition

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

+ References + Details

Earnings per Common Share - Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Weighted-average Class A shares issued and outstanding									51,332	40,907	35,875
Diluted weighted-average Class A shares issued and outstanding									51,875	41,770	37,156
Diluted earnings per common share (in USD per share)									$ 0.72	$ 0.90	$ 0.76
Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net income allocated to Class A common stockholders									$ 37,292	$ 37,502	$ 28,038
Re-allocated earnings									11	94	172
Diluted net income allocated to Class A common stockholders									$ 37,303	$ 37,596	$ 28,210
Weighted-average Class A shares issued and outstanding									51,332	40,907	35,875
Diluted weighted-average Class A shares issued and outstanding									51,875	41,770	37,156
Diluted earnings per common share (in USD per share)	$ (0.12)	$ 0.00	$ 0.06	$ 0.76	$ (0.02)	$ 0.30	$ 0.31	$ 0.33	$ 0.72	$ 0.90	$ 0.76
Stock Options [Member] \| Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares									293	640	1,078
Restricted Stock Units (RSUs) [Member] \| Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares									243	220	203
Employee Stock [Member] \| Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Dilutive potential common shares									7	3	0

Earnings per Common Share - Antidilutive Shares (Details) - Common Class A [Member] - shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Antidilutive Shares [Line Items]
Antidilutive shares	2,199	5,895	7,892
Stock Options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	650	598	994
Restricted Stock Units (RSUs) [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	31	15	39
Convertible Preferred Stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	1,518	5,282	6,859

Fair Value Measurements Contingent Consideration Liability (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Payments of contingent consideration	$ (1,071)	$ (242)	$ 0
Change in fair value of contingent consideration	(8,200)	(698)	0
Contingent Consideration [Member]
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value measurement, beginning of period	23,160	0
Issuance		24,500
Payments of contingent consideration	(1,071)	(242)
Purchase accounting adjustment		(400)
Change in fair value of contingent consideration	(8,200)	(698)
Fair value measurement, end of period	$ 13,889	$ 23,160	$ 0

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Loans to Bank Customers, Carrying Amount	$ 6,279	$ 6,550
Loans to Bank Customers, Fair Value	5,847	5,399
Deposits	652,145	565,401
Deposits, Fair Value	652,060	565,345
Note payable	121,652	142,617
Note payable, Fair Value	$ 121,652	$ 142,617

- Definition

+ References + Details

Concentrations of Credit Risk - Narrative (Details)	12 Months Ended
Concentrations of Credit Risk - Narrative (Details)	Dec. 31, 2015
Utah [Member]
Concentration Risk [Line Items]
Concentration Risk, Percentage	93.40%
Provo, Utah [Member]
Concentration Risk [Line Items]
Concentration Risk, Percentage	40.20%

Defined Contribution Plan (Details) $ in Millions	1 Months Ended	12 Months Ended
Defined Contribution Plan (Details) $ in Millions	Mar. 31, 2014	Dec. 31, 2015 USD ($) Age	Dec. 31, 2014 USD ($)	Dec. 31, 2013 USD ($)
Defined Contribution Plan Disclosure [Line Items]
Minimum Age \| Age		21
Defined Contribution Plan, Employer Matching Contribution, Percent of Match	25.00%
Defined Contribution Plan, Maximum Annual Contribution Per Employee, Percent	5.00%
Defined Contribution Plan, Cost Recognized \| $		$ 0.9	$ 0.5	$ 0.1

Commitments and Contingencies - Narrative (Details) ft² in Thousands, $ in Millions	1 Months Ended	12 Months Ended
	Dec. 31, 2011 ft²	Dec. 31, 2015 USD ($)	Dec. 31, 2014 USD ($)	Dec. 31, 2013 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Lease term	10 years
Area of office space leased (in square feet) \| ft²	140
Rent expense, net		$ 8.8	$ 5.4	$ 5.3
Proceeds from legal settlements			6.4
Letters of credit amount outstanding		$ 1.5	$ 1.5

Commitments and Contingencies - Purchase Commitments (Details) $ in Thousands	Dec. 31, 2015 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Operating Leases, 2016	$ 8,352
Operating Leases, 2017	7,136
Operating Leases, 2018	5,788
Operating Leases, 2019	5,618
Operating Leases, 2020	5,745
Operating Leases, Thereafter	10,988
Operating Leases, Total of future commitments	43,627
Vendor/Retail Distribution Commitments, 2016	29,101
Vendor/Retail Distribution Commitments, 2017	14,359
Vendor/Retail Distribution Commitments, 2018	7,274
Vendor/Retail Distribution Commitments, 2019	910
Vendor/Retail Distribution Commitments, 2020	0
Vendor/Retail Distribution Commitments, Thereafter	0
Purchase Obligation	$ 51,644

Significant Customer Concentrations (Details) - Customer Concentration Risk [Member]	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Total Operating Revenues [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration Risk, Percentage	46.00%	54.00%	64.00%
Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration Risk, Percentage	46.00%	55.00%	65.00%
GPR Cards Activated (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration Risk, Percentage	61.00%	70.00%	82.00%
Sales of Cash Transfer Products (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration Risk, Percentage	81.00%	83.00%	87.00%
Settlement Assets [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	62.00%	22.00%
Settlement Assets [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	9.00%	6.00%

Significant Customer Concentrations - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Significant Customer Concentrations [Abstract]
Stock-based retailer incentive compensation	$ 2,520	$ 8,932	$ 8,722

Regulatory Requirements (Details) - USD ($)	12 Months Ended
Regulatory Requirements (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Green Dot Corporation [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier One Leverage Capital	$ 347,801,000	$ 200,917,000
Tier One Leverage Capital to Average Assets	25.90%	21.30%
Tier One Leverage Capital Required to be Well Capitalized	$ 0.040	$ 0.040
Tier One Common Equity	$ 347,801,000
Tier One Common Equity to Average Assets	70.70%
Tier One Common Equity Required to be Well Capitalized	$ 0.045
Tier One Risk Based Capital	$ 347,801,000	$ 200,917,000
Tier One Risk Based Capital to Risk Weighted Assets	70.70%	45.40%
Tier One Risk Based Capital Required to be Well Capitalized	$ 0.060	$ 0.055
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.00%	6.00%
Capital	$ 349,396,000	$ 201,368,000
Capital to Risk Weighted Assets	71.10%	45.50%
Capital Required to be Well Capitalized	$ 0.080	$ 0.080
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Green Dot Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier One Leverage Capital	$ 152,737,000	$ 135,786,000
Tier One Leverage Capital to Average Assets	20.40%	17.90%
Tier One Leverage Capital Required to be Well Capitalized	$ 0.150	$ 0.150
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	15.00%	15.00%
Tier One Common Equity	$ 152,737,000
Tier One Common Equity to Average Assets	132.20%
Tier One Common Equity Required to be Well Capitalized	$ 0.045
Tier One Common Equity Capital Required to be Well Capitalized to Average Assets	6.50%
Tier One Risk Based Capital	$ 152,737,000	$ 135,786,000
Tier One Risk Based Capital to Risk Weighted Assets	132.20%	70.60%
Tier One Risk Based Capital Required to be Well Capitalized	$ 0.060	$ 0.055
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	6.00%
Capital	$ 153,164,000	$ 136,237,000
Capital to Risk Weighted Assets	132.50%	70.80%
Capital Required to be Well Capitalized	$ 0.080	$ 0.080
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%

Selected Quarterly Financial Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Financial Statements, Captions [Line Items]
Total operating revenues	$ 150,928	$ 146,360	$ 170,247	$ 227,165	$ 150,609	$ 144,659	$ 147,016	$ 159,269
Total operating expenses	162,707	148,066	163,329	161,269	150,339	131,331	125,284	135,609	$ 635,371	$ 542,563	$ 524,489
Operating income	(11,779)	(1,706)	6,918	65,896	270	13,328	21,732	23,660	59,329	58,989	49,132
Interest expense, net	(321)	(337)	(431)	(118)	(148)	965	1,010	961
Other income					760	6,369	0	0	0	7,129	0
Income before income taxes	(12,100)	(2,043)	6,487	65,778	882	20,662	22,742	24,621	58,122	68,906	52,500
Income tax expense	(6,027)	(2,222)	2,991	24,965	1,727	6,771	8,399	9,316	19,707	26,213	18,460
Net income	$ (6,073)	$ 179	$ 3,496	$ 40,813	$ (845)	$ 13,891	$ 14,343	$ 15,305	$ 38,415	$ 42,693	$ 34,040
Basic earnings per common share (in USD per share)									$ 0.73	$ 0.92	$ 0.78
Diluted earnings per common share (in USD per share)									0.72	0.90	0.76
Common Class A [Member]
Condensed Financial Statements, Captions [Line Items]
Basic earnings per common share (in USD per share)	$ (0.12)	$ 0.00	$ 0.07	$ 0.77	$ (0.02)	$ 0.30	$ 0.32	$ 0.34	0.73	0.92	0.78
Diluted earnings per common share (in USD per share)	$ (0.12)	$ 0.00	$ 0.06	$ 0.76	$ (0.02)	$ 0.30	$ 0.31	$ 0.33	$ 0.72	$ 0.90	$ 0.76

Segment Information (Details) $ in Thousands	3 Months Ended								12 Months Ended
Segment Information (Details) $ in Thousands	Dec. 31, 2015 USD ($)	Sep. 30, 2015 USD ($)	Jun. 30, 2015 USD ($)	Mar. 31, 2015 USD ($) segment	Dec. 31, 2014 USD ($)	Sep. 30, 2014 USD ($)	Jun. 30, 2014 USD ($)	Mar. 31, 2014 USD ($)	Dec. 31, 2015 USD ($)	Dec. 31, 2014 USD ($) segment	Dec. 31, 2013 USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments \| segment				2						1
Revenues									$ 694,700	$ 601,552	$ 573,621
Total operating expenses	$ 162,707	$ 148,066	$ 163,329	$ 161,269	$ 150,339	$ 131,331	$ 125,284	$ 135,609	635,371	542,563	524,489
Operating Income (Loss)	$ (11,779)	$ (1,706)	$ 6,918	$ 65,896	$ 270	$ 13,328	$ 21,732	$ 23,660	59,329	$ 58,989	$ 49,132
Account Services Segment [Member]
Segment Reporting Information [Line Items]
Revenues									531,410
Total operating expenses									440,669
Operating Income (Loss)									90,741
Processing and Settlement Services Segment [Member]
Segment Reporting Information [Line Items]
Revenues									195,000
Total operating expenses									133,539
Operating Income (Loss)									61,461
Corporate and Other [Member]
Segment Reporting Information [Line Items]
Revenues									(31,710)
Total operating expenses									61,163
Operating Income (Loss)									$ (92,873)

Fair Value Measurements Fair Value Hierarchy (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	$ 181,539	$ 120,431
Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	33,154	40,389
Commercial paper [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	6,505	7,649
US treasury notes [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	17,525	14,771
Agency securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	4,015	2,950
Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	1,900	5,595
Asset-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	18,668	13,715
Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	181,539	120,431
Contingent consideration	13,889	23,160
Recurring [Member] \| Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	33,154	40,389
Recurring [Member] \| Commercial paper [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	6,505	7,649
Recurring [Member] \| US treasury notes [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	17,525	14,771
Recurring [Member] \| Agency securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	4,015	2,950
Recurring [Member] \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	99,772	35,362
Recurring [Member] \| Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	1,900	5,595
Recurring [Member] \| Asset-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	18,668	13,715
Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Commercial paper [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| US treasury notes [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Agency securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Asset-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	181,539	120,431
Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	33,154	40,389
Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Commercial paper [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	6,505	7,649
Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| US treasury notes [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	17,525	14,771
Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Agency securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	4,015	2,950
Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	99,772	35,362
Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	1,900	5,595
Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Asset-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	18,668	13,715
Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Contingent consideration	13,889	23,160
Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Corporate bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Commercial paper [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| US treasury notes [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Agency securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Municipal bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Asset-backed securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	$ 0	$ 0