ACH Transfer - Revision history

Strayorigin: Fixed typos; improved formatting and scannability; added prominent security warning regarding micro-deposit risks.

2026-05-03T17:57:38Z

Fixed typos; improved formatting and scannability; added prominent security warning regarding micro-deposit risks.

SuddenWhipVapor: /* How do I buy BTC with my ACH Transfer account? */

2026-04-29T22:11:19Z

How do I buy BTC with my ACH Transfer account?

SuddenWhipVapor: /* How do I buy BTC with my ACH Transfer account? */

2026-04-29T22:08:55Z

How do I buy BTC with my ACH Transfer account?

SuddenWhipVapor: /* How do I set up a ACH Transfer account? */

2026-04-29T22:08:14Z

How do I set up a ACH Transfer account?

SuddenWhipVapor: /* How do I sell BTC with my ACH Transfer account? */

2026-04-29T22:07:15Z

How do I sell BTC with my ACH Transfer account?

Pazza: /* How do I buy BTC with my ACH Transfer account? */

2026-04-28T19:12:07Z

How do I buy BTC with my ACH Transfer account?

Pazza: /* How do I buy BTC with my ACH Transfer account? */

2026-04-28T19:11:43Z

How do I buy BTC with my ACH Transfer account?

Pazza: /* How do I buy BTC with my ACH Transfer account? */

2026-04-28T19:11:14Z

How do I buy BTC with my ACH Transfer account?

Pazza: /* How do I buy BTC with my ACH Transfer account? */

2026-04-28T19:10:54Z

How do I buy BTC with my ACH Transfer account?

Pazza: /* How do I sell BTC with my ACH Transfer account? */

2026-04-28T19:10:15Z

How do I sell BTC with my ACH Transfer account?

@@ Line 1: / Line 1: @@
-'''ACH Transfer''', or Automated Clearing House Trasnfer, is a payment method introduced in Bisq v1.8.0. It is primarily used for domestic, low-value payments between participating financial institutions. ACH transfers are one of the two main bank transfer payment methods in the United States, the other being [[Domestic_Wire_Transfer|domestic Wire transfers]].
+'''ACH Transfer''', or Automated Clearing House transfer, is a payment method introduced in Bisq v1.8.0. It is primarily used for domestic, low-value payments between participating financial institutions in the United States. Along with [[Domestic_Wire_Transfer|domestic wire transfers]], ACH is one of the two primary bank transfer methods used in the US.
-== What countries offer ACH Transfer? ==
+== Quick Facts ==
-ACH is only available in the United States.
+* '''Supported Countries:''' United States only.
-== What currencies are available for ACH Transfer? ==
+<div style="background-color: #fff3cd; color: #856404; padding: 15px; border: 1px solid #ffeeba; border-left: 5px solid #856404; margin: 20px 0;">
-ACH only supports transfers of USD.
+Some banks verify external accounts using micro-deposits (small transfers of a few cents). If a trade partner initiates micro-deposits, they are likely attempting to "link" your account to theirs. In the ACH system, a linked account may allow the other party to '''debit (withdraw)''' funds from your account without further authorization.
-== What is the maximum trading duration for ACH Transfer? ==
+== Account Setup & Limits ==
-The maximum trade time is 5 days, but most are completed within 2 business days. Financial institutions send ACH transfers in batches. Depending on when the transfer is initiated, it will be received the next business day, by the end of the current day, or in real time.
+=== Is my bank compatible? ===
-== What is the maximum BTC limit for ACH Transfer? ==
+=== Fees and Limits ===
-{{MaxTradeSizeBisq1}}.
+== Adding ACH Transfer to Bisq ==
 To add your ACH account to Bisq:
-# Head to the top menu and select ''Account''.
+'''Note:''' Ensure all details are accurate. Sellers can only confirm payment if the name associated with the incoming ACH transfer matches the account name listed in Bisq.
-== Are there any fees for me to be aware of when sending an ACH transfer? ==
+== How to Trade with ACH ==
-Fees charged by your bank for sending an ACH transfer can vary and it's best to check with them. Fees can also be different depending on the speed of the transfer as some banks offer expedited processing.
+=== Buying BTC ===
-Generally, banks will not charge for receiving ACH transfers, but again, it's best to check with your bank since some do charge.
+=== Selling BTC ===
-== How does dispute resolution work with ACH transfers? ==
+== Dispute Resolution ==
-If a dispute occurs, the mediator may ask the buyer to send them information showing that they made the payment of the correct amount to the BTC Seller within the correct time frame. The mediator may also ask the seller to send them information to prove their account details are correct, or in the case of the BTC Buyer making a payment late, or of the wrong amount.
+If a dispute occurs, the mediator may ask the buyer to provide proof of payment (e.g., a PDF receipt) showing the correct amount and recipient details. The mediator may also ask the seller for a redacted statement to prove their account details or to show that a payment was not received.
-For more information see [[dispute resolution]].
+For more information, see [[dispute resolution]].

@@ Line 53: / Line 53: @@
 Once the BTC seller receives your payment, they will confirm in Bisq, and your security deposit and your purchased trade amount will be available in your wallet.
-'''Important:''' When sending an ACH payment, ensure it is a standard ACH transfer. Some banks allow you to set up an ACH Direct Deposit, which involves sending three micropayments to your trading partner's account for verification. Do not use '''ACH Direct Deposits for Bisq trades''', as these payments made by ACH direct debit can be charged back.
+'''Important:''' When sending an ACH payment, ensure it is a standard ACH transfer. Some banks allow you to set up an ACH Direct Deposit, which involves sending three micropayments to your trading partner's account for verification. Do not accept '''ACH Direct Deposits for Bisq trades''' nor communicate to the buyer the amounts of the microdeposits, as a linked ACH account will be exposed to funds withdrawal by your peer.
 == How do I sell BTC with my ACH Transfer account? ==

@@ Line 53: / Line 53: @@
 Once the BTC seller receives your payment, they will confirm in Bisq, and your security deposit and your purchased trade amount will be available in your wallet.
-'''Important:''' When sending an ACH payment, ensure it is a standard ACH transfer. Some banks allow you to set up an ACH Direct Deposit, which involves sending two micropayments to your trading partner's account for verification. Do not use '''ACH Direct Deposits for Bisq trades''', as these payments made by ACH direct debit can be charged back.
+'''Important:''' When sending an ACH payment, ensure it is a standard ACH transfer. Some banks allow you to set up an ACH Direct Deposit, which involves sending three micropayments to your trading partner's account for verification. Do not use '''ACH Direct Deposits for Bisq trades''', as these payments made by ACH direct debit can be charged back.
 == How do I sell BTC with my ACH Transfer account? ==

@@ Line 23: / Line 23: @@
 == How do I set up a ACH Transfer account? ==
-Please note that not all banks offer ACH transfers to third parties. It's crucial to verify if your bank supports this service. Most banks allow ACH transfers to accounts you own at other institutions. However, they may ask you to confirm two micro-deposits they initiate. This process is not the same as a third-party transfer and Bisq sellers usually won't confirm these micro-deposits. Confirming micro-deposits enables your bank to send and receive money from that account, but this isn't a third-party transfer. If your bank fully supports third-party ACH transfers, they won't ask for micro-deposit verification. ACH transfers are typically provided at a low cost, so be sure to check with your bank about any fees.
+Please note that not all banks offer ACH transfers to third parties. It's crucial to verify if your bank supports this service. Most banks allow ACH transfers to accounts you own at other institutions. However, they may ask you to confirm three micro-deposits they initiate. This process is not the same as a third-party transfer, and Bisq sellers are instructed not to confirm these micro-deposits. Confirming micro-deposits enables your bank to send and receive money from that account, but this isn't a third-party transfer. If your bank fully supports third-party ACH transfers, they won't ask for micro-deposit verification. ACH transfers are typically provided at a low cost, so be sure to check with your bank about any fees.
 == How do I add ACH Transfer as a payment method in Bisq? ==

@@ Line 64: / Line 64: @@
 After the offer is confirmed, Bisq will provide the BTC Buyer with your ACH details. The Buyer should send the payment at their earliest convenience and confirm it in Bisq by clicking 'Payment Started'.
-'''Important:''' When receiving an ACH payment, ensure it is a standard ACH transfer. Some banks allow the recipient to set up an ACH Direct Deposit, which involves sending two micropayments to your account for verification. '''If you receive micropayments from a seller, do not verify them.''' Setting up ACH Direct Deposits for Bisq trades allows the seller to debit the buyer's account without further authorization.
+'''Important:''' When receiving an ACH payment, ensure it is a standard ACH transfer. Some banks allow the recipient to set up an ACH Direct Deposit, which involves sending two micropayments to your account for verification. '''If you receive micropayments from a buyer, do not verify them.''' Setting up ACH Direct Deposits for Bisq trades allows the buyer to debit the seller's account without further authorization.
 == Are there any limits for me to be aware of when sending an ACH transfer ==

← Older revision		Revision as of 19:10, 28 April 2026
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	After the offer is confirmed, Bisq will provide the BTC Buyer with your ACH details. The Buyer should send the payment at their earliest convenience and confirm it in Bisq by clicking 'Payment Started'.		After the offer is confirmed, Bisq will provide the BTC Buyer with your ACH details. The Buyer should send the payment at their earliest convenience and confirm it in Bisq by clicking 'Payment Started'.
		+
		+	'''Important:''' When receiving an ACH payment, ensure it is a standard ACH transfer. Some banks allow the recipient to set up an ACH Direct Deposit, which involves sending two micropayments to your account for verification. '''If you receive micropayments from a seller, do not verify them.''' Setting up ACH Direct Deposits for Bisq trades allows the seller to debit the buyer's account without further authorization.

	== Are there any limits for me to be aware of when sending an ACH transfer ==		== Are there any limits for me to be aware of when sending an ACH transfer ==