Abstract: A computer system for issuing a deposit code as a substitute for cash is described. The computer system includes at least one merchant apparatus, a deposit code database, and a deposit server. Each merchant apparatus is being configured to receive, from a customer or a merchant, at least one of the cash deposit or a deposit amount indicating an equivalent monetary value of the cash deposit, and transmit, a deposit request, the deposit request including the deposit amount and a merchant identifier, the merchant identifier indicating at least a merchant account associated with the merchant apparatus. The deposit code database is configured to store deposit code information associated with multiple such deposit requests, the deposit code information including a deposit identifier, the deposit amount and the merchant identifier.