One-stop shop payment services provider

Key Data

  • Trading Name: PayWiser
  • Legal Entity: PayWiser Limited/PayWiser d.o.o/PayWiser UAB/PayWiser LCC 
  • Activities: One-stop shop payment services provider
  • Locations: UK/Slovenia/Hong Kong
  • Regulations: authorized by the UK FCA and the Bank of Slovenia as an e-Money Institution (EMI), registered with the Financial Crimes Enforcement Bureau (FinCEN).
  • Key People: Him Shun Sam Ho (Linkedin), Janez Stajnko (LinkedIn), Nina Rožmanec (LinkedIn), Miha Goriup (LinkedIn)

PayWiser is an electronic money institution that provides comprehensive and integrated payment service solutions. The PayWiser scheme is controlled by Him Shun Sam Ho, a Chinese national residing in London.


The company offers multi-currency bank accounts for merchants and individuals. The PayWiser system facilitates online and mobile payments through its web and mobile application platforms. It is designed to cater to merchants and businesses conducting transactions via email or SMS. PayWiser supports one-time and recurring payments, including in-person transactions by utilizing a MiniPOS virtual terminal in physical outlets.

PayWiser’s multi-currency accounts solution is designed for individual and corporate use in mind. Their service includes:


For EEA price starts from 1,5 % +0,1 per transaction


  • Paywiser Limited is authorized as an EMI by the UK FCA with reference number 901086.
  • Paywiser d.o.o holds an EMI license from the Bank of Slovenia.
  • Paywiser LCC is registered in Wyoming, US, and authorized by Financial Crimes Enforcement Bureau (FinCEN) as a Money Services Business (MSB Registration Number: 31000213552631).


Him Shun Sam Ho (Linkedin)

Compliance Problems

According to the information provided by Fintelegram, it appears that PayWiser is a payment processor for a broker scam called Billion Forex (,  operated by BillionTraders Services OÜ in Estonia and Billion Traders Ltd in St. Vincent and the Grenadines. The website claims to be part of FCA-regulated Billion Key Ltd, although this connection seems either false or in violation of regulatory requirements. Payment deposits for the scam are processed through the TEXCENT payment platform, operated by Texcent UK Ltd based in the United Kingdom.

Customer Review

Google: 5 Stars with 4 Reviews, no Trustpilot reviews yet.


Paywiser has received an ORANGE rating due to its association with the Billion Forex scam.  Moreover, the lack of customer reviews is an issue. So we stayed on the safe side and assigned an ORANGE compliance rating.

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