Wiss Capital GmbH

Business solutions

Drive Growth: Custom Business Solutions.

Wiss Capital GmbH

Creation Of A Crypto Business Turnkey - From The Legal Entity To The Software.

Turnkey Crypto-Business

For Buyers and Traders:

The integrated offer includes the registration of a company in Estonia, obtaining a license for working with cryptocurrency (maintaining wallets, exchanging fiat currencies for cryptoassets).

The company will establish accounts on large cryptocurrency exchanges as agreed with the client. Software (self-developed or under a license agreement from a third party) for maintaining wallets, exchange, client block (AML procedures) are also included.

How to determine what the service is for me

If you value your time in principle, and you want to do business rather than red tape – then this service is for you. 

What's the advantage of the service

The key thing you gain by contacting us is time. 
You do not need to create a website, register a company and configure everything. We will do everything for you. 

Our services:

Turnkey Electronic Commerce Solution

We offer a comprehensive solution for organizing online trade in your goods or services, which will allow you to focus on the development of competitive advantages, leaving us all the worries of organizing your business.


The solution involves company incorporation, bank account opening, website development, card payment service integration, and main and merchant account setup.


Your website will be developed by our experienced programmers team using the edge technologies and design achievements.


Access a complete infrastructure solution managed by one provider, with optional accounting support and financial report preparation.

A merchant account is a special merchant account whose owner can accept VISA, Master Card and other payment cards, as well as receive payments from customers’ bank accounts. This is a convenient function because it allows you to receive payments 24 hours a day, regardless of bank or merchant working hours: regardless of when the customer pays at night, on weekends, or on holidays, the money will definitely be credited to the account.

Moreover, a merchant account allows you to accept payments from different countries. With it, it’s much easier to expand outside your jurisdiction. Moreover, merchant accounts work with many currencies that are often unavailable in “classic” banking.
It takes from one week to one month to open an account. This period includes the selection of the optimal provider, taking into account the specifics of your business, and the opening of an account.

The acquiring bank (which provides acquiring services – accepting bank cards for payment) gives the client a special identification number, which is linked to the bank account of the company. So, as soon as the client pays for a purchase, the money from his card automatically goes to the merchant’s account.

How does it happen? Every person who has ever made a purchase on the Internet (whether it be concert tickets, a food processor, or a telephone) has interacted with a merchant account. From the consumer’s point of view, everything is simple: choose a product, go to the right page on the site, and pay.

After selecting an item and pressing the “Pay by Card” button, the processing center/merchant provider (the company that technically provides card payments, linking the buyer, merchant, and bank) redirects the customer to a secure payment form page. There he enters the card number, expiration date, and CVV code.

The request is then sent to the acquiring bank, which communicates with the payment system (e.g., Visa or MasterCard). Then the payment system requests information on the card from the issuing bank (the issuer is the bank that issued the card). If everything is in order (account is active and has enough funds for payment) payment system sends confirmation to bank-acquirer. From there the information goes back to the processing center, which notifies the merchant that the payment has been made.

A payment gateway functions as an intermediary between the virtual shopping software and all of the financial networks involved in the purchase, including the customer’s credit card issuing bank and your identification code at the bank. A payment gateway is software that is installed on your site and performs many functions, such as verifying the validity of the card, encoding the purchase details, ensuring they are sent to the right place, then decoding the responses, which are then sent back to your site and serve as the key to confirm or not confirm the payment.

In this way, the payment gateway is the intermediary between you and the processing center.

Not all merchant account providers have a payment gateway. Some providers use third-party payment gateways, which can add to the hassle when a dispute arises over a customer’s refund.
We recommend that our clients have a processing center and payment gateway from the same provider.

A merchant account enables you to accept card payments from your customers on your website. A merchant account is a contractual relationship between your company, your bank and the processing center according to which the funds received from your clients’ plastic cards are credited to your bank account.

The bank or payment processing company gives your company a unique identification number that allows you to distinguish your business from millions of others around the world (Merchant Identification or Merchant ID). This unique number is included in every payment you make on your website. This ID is also automatically linked to your company bank account and allows you to transfer payments from your customers’ cards to your current bank account.

High-risk activity is any activity that meets two criteria:

– It has a high probability of chargeback – a refund to the client at his request.
– High risk of fraud according to general statistics.

High risk of chargeback – if the client returns his funds, you will receive a penalty, as will your merchant provider. If there are too many chargebacks, the merchant provider will be forced to end the relationship with you, because he is also at risk. If there are too many chargebacks for all of the merchant providers’ clients, the merchant provider itself could be disconnected.

The specific activities that are high-risk or unacceptable are independently approved by companies and banks, and are periodically reviewed.

Keep in mind that as a rule, the 3DS system will be active during payments.
The peculiarity of this system is that, according to studies, the presence of the 3DS system lowers the conversion rate of the site, sometimes quite a lot.
3-D Secure is an XML protocol, which is used as an additional level of security for online credit and debit cards, two-factor user authentication, but does not guarantee the security of funds on the card. 3-D Secure adds another authentication step for online payments to further ensure that it is the cardholder who makes the payment, to protect against fraudulent transactions. 3-D Secure should not be confused with the CVV2 code, which is printed on the back of the card.
Our company has experience in communicating with merchants to disable 3DS for high-risk activities even for companies established from scratch. But in such a case, additional measures should be taken to prevent customer chargebacks.

As a rule we recommend our clients to open merchant accounts directly with banks or processing companies established by banks, because bank rates are usually lower and, besides, cooperation with banks is more trustworthy.

Usually, merchant accounts for payment processing are opened by banks or specialized processing companies. When you apply for a merchant account, the bank or processing company considers your application, taking into account a number of factors, including the following:

– The type of goods/services you offer. Keep in mind that it is much more difficult to open a merchant account if you offer high-risk goods or services, such as online gambling, adult content, sales of pharmaceuticals, alcohol and tobacco products, prepaid calling cards, travel agencies and travel agencies, etc.
– projected total sales
– average amount per sale
– Countries of business transactions and currency of the cards
– Existence of a working website and its compliance with Visa and MasterCard requirements – we can help you perform an initial site analysis for compliance with these regulations.

If your business falls into the high risk category, most banks may refuse you, and then other financial institutions come to the fore.

All the money your clients pay goes into the transit accounts of your merchant provider. Then, depending on the terms of the organization, it will stay there for a period of time from 1 to 3 weeks. This is what is known as a “Hold” – or “hold”.
The purpose of this precaution is to ensure that the merchant provider can refund all clients if they request it. It is a common practice.
The second precautionary measure is “Reserve” or “reserve” – a measure that will withhold a certain percentage from the total amount of money paid by your clients – from 5% to 15% for a long period of time – from 1 month to 6 months. Specific conditions depend on the bank or organization with which you will sign a contract. Our task is to find the most favorable conditions for you.

After the transit account, the funds will be transferred to your bank account or your account in the payment system. 

Standard requirements for documentation submitted to a bank or processing company are as follows:

The company’s incorporation documents:

– Certificate of Incorporation;
– The Charter and the Memorandum of Association;
– Documents confirming the appointment of director, secretary and shareholder;
– Certificate of Good Standing. This document should be obtained if the company was registered more than a year ago;
– Certificate of Incumbency. This document is often required by banks if the company was incorporated over a year ago or there have been any changes in its structure;
– Details of your Refund Policy;
– Copies of the latest company bank statements, which may be required depending on the expected monthly turnover on the merchant account, for a period of 1-6 months;
– If you have previously opened a merchant account, the processing history for that account.

Personal documents of directors, shareholders, secretary:

– Copy of passport certified in a certain way (according to the requirements of the bank or merchant provider);
– Proof of address (utility bill, bank statement, other official document);
– A bank reference letter;
– Reference from the bank or payment system – about the opened account.

If you do not have a registered company or bank account and are new to merchant account opening, you may find the whole procedure complicated and time-consuming. We can help you set up a turnkey merchant account with a reputable bank and a trustworthy merchant bank. If you have any questions related to the procedure of opening a merchant account for business, please contact our specialists will be glad to help you.

Turnkey Ready Emi Payment System

Bank accounts

This solution includes registration of an electronic money company, creation of a main website, a personal account of users and the entire back-end structure for making payments, and support for opening an account in banking institutions.

Preparing to go through compliance. Creating a website and social networks and filling them up.

Preparing to go through compliance. Creating a website and social networks and filling them up.

Comparative analysis of account opening conditions in different banks (including rates, efficiency, confidentiality level etc.)

Preparing document package

Legal support and information support at all stages of account opening

Representation of the client’s interests in negotiations with bank employees

Credit transactions