PayByCash, a subsidiary of PlaySpan, recently released PayByCash Code, possibly the most accessible pre-paid product in the PayByCash arsenal. The code works just like a credit card number. Unlike other payment methods available, it requires no changes to the merchant’s ecommerce system.

Here’s how it works: A user merely has to visit a game in which the merchant accepts the PayByCash Codes. The merchant must provide a PayByCash badge on the checkout page. This will send users to the PayByCash site, where they will buy the code with their method of choice and then use the code on the merchant site to essentially vouch for the purchase.

“We’ve removed the need for merchants to modify their ecommerce systems in order to accept various countries’ popular payment methods, especially those used by credit-constrained or unbanked consumers,” said Kevin Higgins, President of PayByCash.

Credit card companies have been approving less and less applicants, and even cancelling unused accounts. Furthermore, there are predictions that lines of credit may be cut by trillions during the next 1-2 years. Consequently, PayByCash estimates it has a lot of potential customers that lack bank accounts or who don’t have access to credit cards.

PayByCash also offers The Ultimate Game Card.