The document introduces PayCards, a new product from Captchabot that allows exchange offices to replenish customer balances and increase sales. PayCards work like prepaid cards that can be used to add funds from payment methods like PayPal. Exchange offices purchase PayCards at a discount then earn a profit when customers enter the codes to add funds to their Captchabot balances. The system replaces direct balance replenishment that had expenses of 15-25% and allows exchange offices to expand their customer base and make more money through PayCards.