Table of penalties - Revision history

SuddenWhipVapor: /* Trade Penalties */ clarify seller's liability in correctly setting up his account

2025-08-29T09:48:30Z

Trade Penalties: clarify seller's liability in correctly setting up his account

Strayorigin: /* Trade Penalties (Deposit-Based Protocols) */

2025-05-05T17:22:22Z

Trade Penalties (Deposit-Based Protocols)

Strayorigin at 17:21, 5 May 2025

2025-05-05T17:21:26Z

Strayorigin: Structure change: Revert to separate penalty tables based on feedback; other improvements (text, links, context) retained.

2025-05-05T17:01:55Z

Structure change: Revert to separate penalty tables based on feedback; other improvements (text, links, context) retained.

Strayorigin at 17:19, 15 April 2025

2025-04-15T17:19:11Z

Strayorigin: Restructure penalties into single table for clarity; clarify Bisq v1 context; refine violation descriptions & notes; fix initial image syntax error; add internal links (security deposit, arbitration, trader chat, etc.).

2025-04-15T17:16:45Z

Restructure penalties into single table for clarity; clarify Bisq v1 context; refine violation descriptions & notes; fix initial image syntax error; add internal links (security deposit, arbitration, trader chat, etc.).

Show changes

SuddenWhipVapor: /* Penalties */ add reference to new penalty for privately contacting peer outside of Bisq

2024-11-27T07:56:12Z

Penalties: add reference to new penalty for privately contacting peer outside of Bisq

Pazza: /* Penalties */

2023-01-28T22:32:04Z

Penalties

Pazza: /* Penalties */

2023-01-23T20:54:34Z

Penalties

Pazza: /* Penalties */

2022-11-23T19:00:21Z

Penalties

@@ Line 73: / Line 73: @@
 |-
 ! style="width: 15%;" | Max Penalty (%) !! style="width: 85%;" | Violation Description
 |-
 | style="text-align:center;" | 15 || BTC is released significantly outside the expected timeframe after payment confirmation, without valid reason.
 |}

@@ Line 12: / Line 12: @@
 __TOC__
-== Trade Penalties (Deposit-Based Protocols) ==
+== Trade Penalties ==
 === Penalties Applicable to Either Trader ===

@@ Line 1: / Line 1: @@
-[[File:Alert-orange-icon.png|30px|link=]] '''Penalties''' help enforce the [[Trading_rules|Bisq Trading Rules]], ensuring the process is as safe and fair as possible. This page outlines potential penalties specifically for trades involving [[Security deposit|security deposits]] (primarily [[Bisq 1|Bisq v1]]).
+'''Penalties''' help enforce the [[Trading_rules|Bisq Trading Rules]], ensuring the process is as safe and fair as possible. The penalties detailed on this page apply specifically to trading protocols that utilize '''[[Security deposit|security deposits]]''' as their primary security mechanism. Protocols that do not use security deposits, like [[Bisq 2|Bisq Easy]] which relies on [[Reputation]], will have different consequences or mechanisms for handling rule violations.
 Penalties are calculated as a percentage of the trade amount and are deducted '''primarily''' from the offending peer's [[Security deposit|security deposit]]. During the [[Dispute_Resolution_in_Bisq_1|dispute resolution process]], this amount may be offered as compensation to the counterparty. ''(Note: See below regarding 100% penalties potentially affecting the trade amount as well).''
@@ Line 12: / Line 12: @@
 __TOC__
-== Potential Trade Penalties (Bisq v1) ==
+== Trade Penalties (Deposit-Based Protocols) ==
 === Penalties Applicable to Either Trader ===
+These penalties can apply to either the BTC Buyer or the BTC Seller, depending on who commits the violation in a protocol using security deposits.
-These penalties can apply to either the BTC Buyer or the BTC Seller, depending on who commits the violation.
+{| class="wikitable" style="width: 100%;"
 |-
 ! style="width: 15%;" | Max Penalty (%) !! style="width: 85%;" | Violation Description
@@ Line 41: / Line 38: @@
 === Penalties Applicable Specifically to the BTC Buyer ===
+These penalties apply only to the trader buying BTC (sending fiat or altcoins) in a protocol using security deposits.
-These penalties apply only to the trader buying BTC (sending fiat or altcoins).
+{| class="wikitable" style="width: 100%;"
 |-
 ! style="width: 15%;" | Max Penalty (%) !! style="width: 85%;" | Violation Description
@@ Line 75: / Line 69: @@
 === Penalties Applicable Specifically to the BTC Seller ===
+These penalties apply only to the trader selling BTC (receiving fiat or altcoins) in a protocol using security deposits.
-These penalties apply only to the trader selling BTC (receiving fiat or altcoins).
+{| class="wikitable" style="width: 100%;"
 |-
 ! style="width: 15%;" | Max Penalty (%) !! style="width: 85%;" | Violation Description

@@ Line 1: / Line 1: @@
-'''Penalties''' help enforce the [[Trading_rules|Bisq Trading Rules]], ensuring the process is as safe and fair as possible. This page outlines potential penalties specifically for trades involving [[Security deposit|security deposits]] (primarily [[Bisq 1|Bisq v1]]).
+[[File:Alert-orange-icon.png|30px|link=]] '''Penalties''' help enforce the [[Trading_rules|Bisq Trading Rules]], ensuring the process is as safe and fair as possible. This page outlines potential penalties specifically for trades involving [[Security deposit|security deposits]] (primarily [[Bisq 1|Bisq v1]]).
 Penalties are calculated as a percentage of the trade amount and are deducted '''primarily''' from the offending peer's [[Security deposit|security deposit]]. During the [[Dispute_Resolution_in_Bisq_1|dispute resolution process]], this amount may be offered as compensation to the counterparty. ''(Note: See below regarding 100% penalties potentially affecting the trade amount as well).''
@@ Line 12: / Line 12: @@
 __TOC__
-== Bisq v1 Trade Penalties ==
+== Potential Trade Penalties (Bisq v1) ==
-The following table lists common trade rule violations and their maximum associated penalties. Use the sort function or scan the "Applies To" column to find penalties relevant to your role.
+=== Penalties Applicable to Either Trader ===
-{| class="wikitable sortable"
+These penalties can apply to either the BTC Buyer or the BTC Seller, depending on who commits the violation.
-|+ Bisq v1 Trade Penalties
 |-
-! Max Penalty (%) !! Violation Description !! Applies To
+! style="width: 15%;" | Max Penalty (%) !! style="width: 85%;" | Violation Description
 |-
-| style="text-align:center;" | 100 || Fraud attempt (e.g., unauthorized debiting of peer's account, malicious code tampering). || Either
+| style="text-align:center;" | 100 || Fraud attempt (e.g., unauthorized debiting of peer's account, malicious code tampering).
 |-
-| style="text-align:center;" | 100 || Payment chargeback after trade completion. || Buyer
+| style="text-align:center;" | 50 || Attempting to solicit off-platform communication by including contact information in offer details (e.g., in 'additional information' field for [[Cash by mail|Cash by Mail]] or [[Face-to-face (payment method)|Face-to-Face]] offers).
 |-
-| style="text-align:center;" | 50 || Attempting to solicit off-platform communication by including contact information in offer details (e.g., in 'additional information' field for [[Cash by mail|Cash by Mail]] or [[Face-to-face (payment method)|Face-to-Face]] offers). || Either
+| style="text-align:center;" | 25 || Not responding to [[Mediator]] inquiries within 48 hours during an active dispute resolution process.
 |-
-| style="text-align:center;" | 25 || Not responding to [[Mediator]] inquiries within 48 hours during an active dispute resolution process. || Either
+| style="text-align:center;" | 25 || Contacting trading peer outside of Bisq [[Dispute_Resolution_in_Bisq_1|trader chat]] without prior consent or a clear, necessary reason related to completing the payment.
 |-
-| style="text-align:center;" | 25 || Using Bitcoin-related terms (e.g., "BTC", "Bisq", "Bitcoin") in payment references/notes. || Buyer
+| style="text-align:center;" | 20 || Cancelling an accepted trade without a valid reason according to [[Trading_rules|Trading Rules]].
 |-
-| style="text-align:center;" | 25 || Contacting trading peer outside of Bisq [[Dispute_Resolution_in_Bisq_1|trader chat]] without prior consent or a clear, necessary reason related to completing the payment. || Either
+| style="text-align:center;" | 20 || Requesting payment be sent to, or insisting on paying from, a different account/name than agreed in the trade details, without [[Mediator]] approval.
 |-
-| style="text-align:center;" | 25 || Paying from an account with a significantly different name (indicating a likely third party). ''Note: Seller may cancel trade without penalty.'' || Buyer
+| style="text-align:center;" | 10 || Requiring excessive personal data from the counterparty beyond what is strictly necessary for the chosen payment method (e.g., demanding ID copies, proof of address unless intrinsic to the method like [[Cash by mail|Cash by Mail]]).
 |-
-| style="text-align:center;" | 20 || Cancelling an accepted trade without a valid reason according to [[Trading_rules|Trading Rules]]. || Either
+| style="text-align:center;" | 10 || Abusive or disrespectful behavior towards the trading peer, [[Mediator]], or [[Arbitration|Arbitrator]] during the dispute process.
 |-
-| style="text-align:center;" | 20 || Requesting payment be sent to, or insisting on paying from, a different account/name than agreed in the trade details, without [[Mediator]] approval. || Either
+! style="width: 15%;" | Max Penalty (%) !! style="width: 85%;" | Violation Description
 |-
-| style="text-align:center;" | 20 || Payment sent by Buyer is 72+ hours late (beyond the trade period). || Buyer
+| style="text-align:center;" | 100 || Payment chargeback after trade completion.
 |-
-| style="text-align:center;" | 15 || Payment sent by Buyer is 48-72 hours late. || Buyer
+| style="text-align:center;" | 25 || Using Bitcoin-related terms (e.g., "BTC", "Bisq", "Bitcoin") in payment references/notes.
 |-
-| style="text-align:center;" | 15 || Paying from an account with the correct name but different account details (e.g., wrong bank/account number) than specified for the payment method. ''Note: Seller may cancel trade without penalty.'' || Buyer
+| style="text-align:center;" | 25 || Paying from an account with a significantly different name (indicating a likely third party). ''Note: Seller may cancel trade without penalty.''
 |-
-| style="text-align:center;" | 15 || BTC is released by Seller significantly outside the expected timeframe after payment confirmation, without valid reason. || Seller
+| style="text-align:center;" | 20 || Payment sent is 72+ hours late (beyond the trade period).
 |-
-| style="text-align:center;" | 10 || Requiring excessive personal data from the counterparty beyond what is strictly necessary for the chosen payment method (e.g., demanding ID copies, proof of address unless intrinsic to the method like [[Cash by mail|Cash by Mail]]). || Either
+| style="text-align:center;" | 15 || Payment sent is 48-72 hours late.
 |-
-| style="text-align:center;" | 10 || Abusive or disrespectful behavior towards the trading peer, [[Mediator]], or [[Arbitration|Arbitrator]] during the dispute process. || Either
+| style="text-align:center;" | 15 || Paying from an account with the correct name but different account details (e.g., wrong bank/account number) than specified for the payment method. ''Note: Seller may cancel trade without penalty.''
 |-
-| style="text-align:center;" | 10 || Payment sent by Buyer is 24-48 hours late. || Buyer
+| style="text-align:center;" | 10 || Payment sent is 24-48 hours late.
 |-
-| style="text-align:center;" | 10 || Using a similar but incorrect payment method that causes issues (e.g., sending via standard SWIFT when SEPA was agreed). || Buyer
+| style="text-align:center;" | 10 || Using a similar but incorrect payment method that causes issues (e.g., sending via standard SWIFT when SEPA was agreed).
 |-
-| style="text-align:center;" | 10 || Paying the wrong fiat amount. ''Note: Buyer usually has the option to correct the amount within the trade window. Seller may cancel trade without penalty if not corrected promptly.'' || Buyer
+| style="text-align:center;" | 10 || Paying the wrong fiat amount. ''Note: Buyer usually has the option to correct the amount within the trade window. Seller may cancel trade without penalty if not corrected promptly.''
 |-
-| style="text-align:center;" | 10 || Using an unagreed payment reference/memo, including potentially problematic neutral terms or the Trade ID itself. || Buyer
+| style="text-align:center;" | 10 || Using an unagreed payment reference/memo, including potentially problematic neutral terms or the Trade ID itself.
 |-
-| style="text-align:center;" | 10 || Delayed altcoin payment due to Buyer choosing an extremely low network fee. ''Note: Penalty may be reduced if Buyer uses transaction acceleration techniques (RBF, CPFP).'' || Buyer
+! style="width: 15%;" | Max Penalty (%) !! style="width: 85%;" | Violation Description
 |-
-| style="text-align:center;" | 5 || Payment sent by Buyer is up to 24 hours late. || Buyer
+| style="text-align:center;" | 15 || BTC is released significantly outside the expected timeframe after payment confirmation, without valid reason.
 |}

@@ Line 1: / Line 1: @@
 '''Penalties''' help enforce the [[Trading_rules|Bisq Trading Rules]], ensuring the process is as safe and fair as possible. This page outlines potential penalties specifically for trades involving [[Security deposit|security deposits]] (primarily [[Bisq 1|Bisq v1]]).
-Penalties are calculated as a percentage of the trade amount and are typically deducted from the offending peer's [[Security deposit|security deposit]]. During the [[Dispute_Resolution_in_Bisq_1|dispute resolution process]], this amount may be offered as compensation to the counterparty.
+Penalties are calculated as a percentage of the trade amount and are deducted '''primarily''' from the offending peer's [[Security deposit|security deposit]]. During the [[Dispute_Resolution_in_Bisq_1|dispute resolution process]], this amount may be offered as compensation to the counterparty. ''(Note: See below regarding 100% penalties potentially affecting the trade amount as well).''
 '''Important Notes:'''
 * The actual penalty applied is '''up to''' the maximum percentage listed below, considering the [[Security deposit|security deposit]] size and the [[Mediator]]'s discretion.
-* 100% penalties represent serious violations and usually mean losing the entire [[Security deposit|security deposit]] and potentially the trade amount.
+* 100% penalties represent serious violations and usually mean losing the entire [[Security deposit|security deposit]] '''and potentially the trade amount itself'''.
 * Penalties are '''not cumulative'''; if multiple violations occur, the single highest applicable penalty percentage is typically used.
 * Peers experiencing issues are encouraged to communicate via [[Dispute_Resolution_in_Bisq_1|trader chat]]. If mutually agreed, they can suggest a specific penalty amount to the [[Mediator]].

@@ Line 26: / Line 26: @@
 |-
 | 25% || Bitcoin-related payment references (e; BTC, Bisq, Bitcoin...)
 |-
 | 20% || Cancelling a trade

← Older revision		Revision as of 22:32, 28 January 2023
Line 11:		Line 11:
	Ideally, if good communication is established, peers can use trader chat to agree on a penalty amount to relay to their mediator.		Ideally, if good communication is established, peers can use trader chat to agree on a penalty amount to relay to their mediator.

		+	Regardless of any penalty amount proposed the mediation proposal will always leave a peer with at least 5% of trade amount. This is to incentivize the peer to accept the mediation proposal rather than take the trade to arbitration where they will likely lose all of their deposit.

	''' BTC Buyer or Seller issues:'''		''' BTC Buyer or Seller issues:'''

@@ Line 3: / Line 3: @@
 Penalties are a percentage of the trade amount, deducted from the offending peer's security deposit (and when needed, also from trade amount itself) and offered as a compensation to the other peer during the [[Dispute_resolution#Level_2:_Mediation|Dispute resolution process]]
-The actual penalty will be '''up to''' the values detailed below, depending on security deposit % and mediator's discretion, ''except'' for 100% penalties, that refer to serious violations and will always imply losing the whole amount (trade + deposit).
+The actual penalty will be '''up to''' the values detailed below, depending on security deposit % and mediator's discretion.
 If two or more penalties are caused by the buyer or seller the penalty amount will be greater of the amounts. Penalties are not cumulative.

@@ Line 29: / Line 29: @@
 |-
 | 10% || Requiring personal data: ID, home address, etc. (Bisq should incentivize accounts that do not ask for any more info than necessary)
 |}