Difference between revisions of "Payment methods"

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Bisq offers several '''payment methods''' to buy and sell bitcoin for fiat currencies or other cryptocurrencies.
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<languages/>
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<translate>Bisq offers several '''payment methods''' to buy and sell bitcoin for fiat currencies or other cryptocurrencies.
 +
 
 +
{{Admonition_Note|'''Version Context:''' The details on this page, particularly regarding trade limits and account signing, primarily apply to trading on '''[[Bisq 1|Bisq v1]]'''.}}
  
 
Every offer on Bisq designates a payment method for traders to settle payments. The Bisq software does not actually integrate with any payment methods—'''all non-bitcoin fund transfers are made outside of Bisq software'''.
 
Every offer on Bisq designates a payment method for traders to settle payments. The Bisq software does not actually integrate with any payment methods—'''all non-bitcoin fund transfers are made outside of Bisq software'''.
  
−
Unlike cryptocurrency transfers, fiat payment transfers are riddled with flaws and limitations that require Bisq to employ several measures to encourage fair and honest trades.
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Unlike cryptocurrency transfers, many fiat payment transfers have limitations that require Bisq [[Bisq 1|v1]] to employ special measures like lower per-trade limits and [[Account_limits#Account_signing|account signing]] to encourage fair trades.
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Among these measures are:
 
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* '''Account aging''' that phases in maximum trade sizes over 60 days; trade sizes vary by the risk profile of each payment method.
 
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* '''Account signing''' as an additional check on account aging for payment methods with chargeback risk.
 
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See more details on these mechanisms at [[account limits]].
 
  
 
__TOC__
 
__TOC__
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== Fiat payment methods ==
 
== Fiat payment methods ==
  
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The payment methods vary in chargeback risk, regional availability, transaction size, fees, privacy, verifiability, and other characteristics.
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Fiat payment methods vary significantly in characteristics like chargeback risk, regional availability, transaction limits, fees, privacy, and verification speed. The primary consideration for supporting a method on Bisq is '''chargeback risk'''. Methods with easy chargebacks (like PayPal, Venmo, Cash App) are generally not supported.
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The top consideration for maintaining payment methods is chargeback risk. PayPal, Venmo, and Cash App are not supported on Bisq because chargebacks for payments made with those services are relatively easy.
 
  
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We welcome suggestions for new payment methods on Bisq, especially for those that enable new markets. Documentation on the criteria and process for adding new payment methods is [https://github.com/bisq-network/bisq-docs/issues/172 forthcoming]. For now, feel free to make suggestions by reaching out on [https://keybase.io/team/bisq Keybase].
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Suggestions for new payment methods, especially those enabling new markets, are welcome. See the criteria and process for adding methods [https://github.com/bisq-network/growth/issues/new?assignees=&labels=re%3Apayment-method&template=add_payment_method.md&title= here on GitHub], or discuss them on [https://bisq.chat Matrix] in the #payment-methods channel.
  
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Below is a list of fiat payment methods Bisq currently supports.
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Below is a list of fiat payment methods currently supported in Bisq v1.
  
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''Note: The maximum trade sizes listed below are not available for most newly-created payment accounts. Please refer to [https://bisq.wiki/Account_signing Account signing] for details on how to enable larger trade sizes for your payment accounts. ''
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'''Note on Signing Requirement:''' Methods marked with an asterisk (*) '''do not''' require [[Account_limits#Account_signing|account signing]] to lift the initial low buying limit. All other listed fiat methods generally require signing.
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'''Note on Trade Limits:''' The maximum trade sizes listed below may not be available immediately for new payment accounts. Please refer to [[Account_limits]] for details on account aging and signing required to enable larger trade sizes.
  
 
{| class="wikitable sortable"
 
{| class="wikitable sortable"
 +
|+ Supported Fiat Payment Methods (Bisq v1)
 +
|-
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! Payment Method [* = Signing Not Required] !! Region !! Trading Period !! Per-Trade Limit (BTC) !! Notes
 +
|-
 +
| [[ACH]]* || USA || 5 days || 0.0625 ||
 +
|-
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| Advanced Cash* || Global (BRL, EUR, GBP, KZT, RUB, UAH, USD) || 1 day || 0.5 || Not available in the USA.
 +
|-
 +
| Alipay* || China || 1 day || 0.25 ||
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|-
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| [[Amazon_eGift_card|Amazon eGift Card]]* || Global (AUD, CAD, EUR, GBP, INR, JPY, SAR, SEK, SGD, TRY, USD) || 1 day || 0.0625 || Check supported markets in [[Amazon_eGift_card|article]].
 +
|-
 +
| Australian PayID* || Australia || 1 day || 0.25 ||
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|-
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| [[Bizum]]* || Spain|| 1 day || 0.02 || Bizum limits: ~1000 EUR/trade, ~2000 EUR/day.
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|-
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| [[Capitual]]* || Global (BRL, EUR, GBP, USD) || 1 day || 0.0625 ||
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|-
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| [[Cash by Mail]]* || Global || 8 days || 0.0625 || Follow [[Cash_by_Mail|instructions carefully]].
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|-
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| Cash Deposit* || Global || 4 days || 0.0625 || Check if payee bank allows 3rd party deposits.
 +
|-
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| [[CelPay]]* || Global (AUD, CAD, GBP, HKD, USD) || 1 day || 0.0625 || CelPay limit: ~$2,500/day.
 +
|-
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| Domestic Wire Transfer* || USA || 3 days || 0.0625 ||
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|-
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| [[Face-to-face_(payment_method)|Face-to-Face (F2F)]]* || Global || 4 days || 0.25 || See [[Face-to-face_(payment_method)|F2F article]] for guidance.
 
|-
 
|-
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! Payment Method !! Region !! Trading Period !! Per-Trade Limit !! Notes
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| [[Faster Payments]]* || UK || 1 day || 0.0625 || See [[Faster_Payments|article]] for usage notes.
 
|-
 
|-
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| Advanced Cash* || Global || 1 day || 2.00 BTC || Not available in the USA
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| [[Faster_Payments_System_SBP|Faster Payments System (SBP)]]* || Russia || 1 day || 0.05 ||  
 
|-
 
|-
−
| Alipay* || China || 1 day || 1.00 BTC ||  
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| HalCash* || Spain || 1 day || 0.25 ||  
 
|-
 
|-
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| Cash Deposit* || N/A || 4 days || 0.25 BTC || Some banks don't accept cash deposits from non-customers
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| [[IMPS]]* || India || 1 day || 0.0625 || IMPS limit: ~1,000,000 INR/day.
 
|-
 
|-
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| Chase QuickPay || USA || 1 day || 0.25 BTC ||  
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| [[Interac-e-Transfer]] || Canada || 1 day || 0.0625 || Interac Autodeposit is '''not''' supported.
 
|-
 
|-
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| Face-to-Face (F2F)* || Global || 4 days  || 1.00 BTC ||  
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| Japan Zengin Furikomi* || Japan || 1 day || 0.25 ||  
 
|-
 
|-
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| [[Faster Payments]]* || UK || 1 day || 0.25 BTC || [[Faster_Payments|See article]] for recent changes to avoid issues.
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| MercadoPago || Argentina || 1 day || 0.0625 ||  
 
|-
 
|-
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| HalCash* || Spain || 1 day || 1.00 BTC ||  
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| [[Monese]]* || Europe (GBP, EUR, RON) || 1 day || 0.0625 ||  
 
|-
 
|-
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| Interac e-Transfer || Canada || 1 day || 0.25 BTC ||  
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| MoneyBeam (N26) || Europe || 1 day || 0.0625 ||  
 
|-
 
|-
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| Japan Zengin Furikomi* || Japan || 1 day || 1.00 BTC ||  
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| MoneyGram* || Global || 4 days || 0.125 ||
 
|-
 
|-
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| MoneyBeam (N26) || Europe || 1 day || 0.25 BTC ||  
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| National Bank Transfer || Global || 4 days || 0.0625 ||  
 
|-
 
|-
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| MoneyGram* || Global || 4 days  || 0.50 BTC ||  
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| [[Nequi]]*|| Colombia || 1 day || 0.0625 || Nequi limit: ~7,000,000 COP/month.
 
|-
 
|-
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| National Bank Transfer || N/A || 4 days  || 0.25 BTC ||  
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| [[NEFT]]* || India || 1 day || 0.10 || NEFT limit: ~50,000 INR/transaction.
 
|-
 
|-
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| Perfect Money* || Europe and USA || 1 day || 1.00 BTC ||  
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| [[Paxum]]* || Global || 1 day || 0.0625 ||  
 
|-
 
|-
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| Popmoney || USA || 1 day || 0.25 BTC ||  
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| [[Paysera]]* || Global || 1 day || 0.0625 ||  
 
|-
 
|-
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| PromptPay* || Thailand || 1 day || 1.00 BTC ||  
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| [[PayTM]]* || India || 1 day || 0.0250 || PayTM limit: ~100,000 INR/transaction.
 
|-
 
|-
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| [[Revolut]] || Global || 1 day || 0.25 BTC || [[Revolut|See article]] for recent changes to avoid issues.
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| Perfect Money* || Global || 1 day || 0.25 ||  
 
|-
 
|-
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| SEPA || Europe || 6 days || 0.25 BTC ||  
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| [[Pix]]*|| Brazil || 1 day || 0.0625 ||  
 
|-
 
|-
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| SEPA Instant || Europe || 1 day || 0.25 BTC ||  
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| Popmoney || USA || 1 day || 0.0625 ||  
 
|-
 
|-
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| Swish* || Sweden || 1 day || 1.00 BTC ||  
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| PromptPay* || Thailand || 1 day || 0.25 ||  
 
|-
 
|-
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| Transfer with Same Bank || N/A || 2 days || 0.25 BTC ||  
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| [[Revolut]] || Global || 1 day || 0.0625 || See [[Revolut|article]] for usage notes.
 
|-
 
|-
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| Transfer from Specific Banks  || N/A || 4 days  || 0.25 BTC ||  
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| [[RTGS]]* || India || 1 day || 0.10 || RTGS limits: Min 200,000 INR, Max 1,000,000 INR/transaction.
 
|-
 
|-
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| US Postal Money Order* || USA || 8 days || 0.25 BTC || Maximum is $1,000 per money order within the USA
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| [[Satispay]]* || Italy || 1 day || 0.0625 ||  
 
|-
 
|-
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| Uphold || Global || 1 day || 0.25 BTC ||  
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| [[SEPA]] || Europe || 6 days || 0.0625 ||  
 
|-
 
|-
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| WeChat Pay* || China || 1 day || 1.00 BTC ||  
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| [[SEPA Instant]] || Europe || 1 day || 0.0625 ||  
 
|-
 
|-
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| Western Union || Global || 4 days  || 0.50 BTC ||  
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| [[Strike]]* || USA || 1 day || 0.0625 || Non-KYC Strike users have lower limits.
 
|-
 
|-
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| Zelle || USA || 4 days || 0.25 BTC ||  
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| [[SWIFT]]* || Global || 7 days || 0.125 ||
 +
|-
 +
| Swish* || Sweden || 1 day || 0.25 ||
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|-
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| [[Tikkie]]* || The Netherlands || 1 day || 0.0250 || Tikkie limit: ~2500 EUR/24 hours.
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|-
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| Transfer with Same Bank || Global || 2 days || 0.0625 ||
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|-
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| Transfer from Specific Banks || Global || 4 days || 0.0625 ||
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|-
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| [[US Postal Money Order]]* || USA || 8 days || 0.0625 || USPS limits: Max 1000 USD/order, check daily limits.
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|-
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| Uphold || Global || 1 day || 0.0625 ||
 +
|-
 +
| [[UPI]]* || India || 1 day || 0.0250 || UPI limit: ~100,000 INR/transaction.
 +
|-
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| [[Verse]]* || Europe (EUR, SEK, HUF, DKK, PLN) || 1 day || 0.0625 || Verse limit: ~10,000 EUR/year.
 +
|-
 +
| WeChat Pay* || China || 1 day || 0.25 ||
 +
|-
 +
| Western Union || Global || 4 days || 0.125 ||
 +
|-
 +
| [[Wise]]* || Global ('''non-USD''' trades) || 4 days || 0.0625 ||
 +
|-
 +
| [[Wise-USD]]* || Global ('''USD''' trades) || 4 days || 0.0625 ||
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|-
 +
| [[Zelle]] || USA || 4 days || 0.0625 || Check your bank's Zelle support & limits.
 
|}
 
|}
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<nowiki>*</nowiki> These payment methods do not need to be signed to lift the 0.01 BTC buying limit (see [https://bisq.wiki/Account_signing account signing] for more details).
 
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=== Payment method guides ===
 
=== Payment method guides ===
  
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<div style="margin-top: 1.5em;">
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<gallery mode="packed" heights="150px">
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<li style="display: inline-block;"> [[File:Payment-methods-advice-eur.png|thumb|none|300px|EUR payment methods overview.]] </li>
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File:Payment-methods-advice-eur.png|EUR payment methods overview.
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<li style="display: inline-block;"> [[File:Payment-methods-advice-usd.png|thumb|none|300px|USD payment methods overview.]] </li>
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File:Payment-methods-advice-usd.png|USD payment methods overview.
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</div>
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</gallery>
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<div style="clear: both;"></div>
 
  
 
== Altcoin payment methods ==
 
== Altcoin payment methods ==
  
−
Bisq also supports a [https://bisq.network/markets/ variety] of cryptocurrencies for buying and selling bitcoin, like [[XMR]], [[ETH]], [[ZEC]], [[L-BTC]] or [[LTC]].
+
Bisq also supports trading Bitcoin against various cryptocurrencies, like XMR, ETH, ZEC, L-BTC or LTC. A full list is available on the [https://bisq.network/markets/ Bisq Network Markets page].
  
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Because altcoin transfers are irreversible and relatively quick, altcoin trades can be up to 2 BTC in size right away (no need to wait for account aging or account signing).
+
Because cryptocurrency transfers are generally irreversible and fast, altcoin trades usually have higher limits (up to 0.5 BTC) available immediately, without the need for account aging or signing required for many fiat methods.
  
 
{| class="wikitable"
 
{| class="wikitable"
 +
|+ Supported Altcoin Payment Methods (Bisq v1)
 
|-
 
|-
−
! Payment Method !! Trading Period !! Per-Trade Limit
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! Payment Method !! Trading Period !! Per-Trade Limit (BTC)
 
|-
 
|-
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| Altcoins || 1 day || 2.00 BTC
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| [[Altcoins]] || 1 day || 0.5
 
|-
 
|-
−
| Altcoins Instant || 1 hour || 2.00 BTC
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| [[Altcoins Instant]] || 1 hour || 0.5
 
|}
 
|}
  
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Altcoins Instant trades go by fast! Please remember to disable Instant offers in <code>Portfolio</code> > <code>My Open Offers</code> if you might not be around to settle an Instant trade.
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'''Warning for Instant Trades:''' Altcoins Instant trades require quick confirmation (within 1 hour). Remember to disable any open Instant offers (via `Portfolio` > `My Open Offers`) if you might be unavailable to complete the trade promptly.
  
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See more details about creating altcoin accounts [https://bisq.wiki/Create_an_altcoin_account here].
+
See the general Account setup process within Bisq for adding altcoin accounts.
  
 
[[Category:Features]]
 
[[Category:Features]]
 +
</translate>

Latest revision as of 17:31, 5 April 2025

Other languages:
English • ‎español • ‎中文（中国大陆）‎

Bisq offers several payment methods to buy and sell bitcoin for fiat currencies or other cryptocurrencies.

Note
 Version Context: The details on this page, particularly regarding trade limits and account signing, primarily apply to trading on Bisq v1.

Every offer on Bisq designates a payment method for traders to settle payments. The Bisq software does not actually integrate with any payment methods—all non-bitcoin fund transfers are made outside of Bisq software.

Unlike cryptocurrency transfers, many fiat payment transfers have limitations that require Bisq v1 to employ special measures like lower per-trade limits and account signing to encourage fair trades.

Fiat payment methods

Fiat payment methods vary significantly in characteristics like chargeback risk, regional availability, transaction limits, fees, privacy, and verification speed. The primary consideration for supporting a method on Bisq is chargeback risk. Methods with easy chargebacks (like PayPal, Venmo, Cash App) are generally not supported.

Suggestions for new payment methods, especially those enabling new markets, are welcome. See the criteria and process for adding methods here on GitHub, or discuss them on Matrix in the #payment-methods channel.

Below is a list of fiat payment methods currently supported in Bisq v1.

Note on Signing Requirement: Methods marked with an asterisk (*) do not require account signing to lift the initial low buying limit. All other listed fiat methods generally require signing.

Note on Trade Limits: The maximum trade sizes listed below may not be available immediately for new payment accounts. Please refer to Account_limits for details on account aging and signing required to enable larger trade sizes.

Supported Fiat Payment Methods (Bisq v1)
Payment Method [* = Signing Not Required] Region Trading Period Per-Trade Limit (BTC) Notes
ACH* USA 5 days 0.0625
Advanced Cash* Global (BRL, EUR, GBP, KZT, RUB, UAH, USD) 1 day 0.5 Not available in the USA.
Alipay* China 1 day 0.25
Amazon eGift Card* Global (AUD, CAD, EUR, GBP, INR, JPY, SAR, SEK, SGD, TRY, USD) 1 day 0.0625 Check supported markets in article.
Australian PayID* Australia 1 day 0.25
Bizum* Spain 1 day 0.02 Bizum limits: ~1000 EUR/trade, ~2000 EUR/day.
Capitual* Global (BRL, EUR, GBP, USD) 1 day 0.0625
Cash by Mail* Global 8 days 0.0625 Follow instructions carefully.
Cash Deposit* Global 4 days 0.0625 Check if payee bank allows 3rd party deposits.
CelPay* Global (AUD, CAD, GBP, HKD, USD) 1 day 0.0625 CelPay limit: ~$2,500/day.
Domestic Wire Transfer* USA 3 days 0.0625
Face-to-Face (F2F)* Global 4 days 0.25 See F2F article for guidance.
Faster Payments* UK 1 day 0.0625 See article for usage notes.
Faster Payments System (SBP)* Russia 1 day 0.05
HalCash* Spain 1 day 0.25
IMPS* India 1 day 0.0625 IMPS limit: ~1,000,000 INR/day.
Interac-e-Transfer Canada 1 day 0.0625 Interac Autodeposit is not supported.
Japan Zengin Furikomi* Japan 1 day 0.25
MercadoPago Argentina 1 day 0.0625
Monese* Europe (GBP, EUR, RON) 1 day 0.0625
MoneyBeam (N26) Europe 1 day 0.0625
MoneyGram* Global 4 days 0.125
National Bank Transfer Global 4 days 0.0625
Nequi* Colombia 1 day 0.0625 Nequi limit: ~7,000,000 COP/month.
NEFT* India 1 day 0.10 NEFT limit: ~50,000 INR/transaction.
Paxum* Global 1 day 0.0625
Paysera* Global 1 day 0.0625
PayTM* India 1 day 0.0250 PayTM limit: ~100,000 INR/transaction.
Perfect Money* Global 1 day 0.25
Pix* Brazil 1 day 0.0625
Popmoney USA 1 day 0.0625
PromptPay* Thailand 1 day 0.25
Revolut Global 1 day 0.0625 See article for usage notes.
RTGS* India 1 day 0.10 RTGS limits: Min 200,000 INR, Max 1,000,000 INR/transaction.
Satispay* Italy 1 day 0.0625
SEPA Europe 6 days 0.0625
SEPA Instant Europe 1 day 0.0625
Strike* USA 1 day 0.0625 Non-KYC Strike users have lower limits.
SWIFT* Global 7 days 0.125
Swish* Sweden 1 day 0.25
Tikkie* The Netherlands 1 day 0.0250 Tikkie limit: ~2500 EUR/24 hours.
Transfer with Same Bank Global 2 days 0.0625
Transfer from Specific Banks Global 4 days 0.0625
US Postal Money Order* USA 8 days 0.0625 USPS limits: Max 1000 USD/order, check daily limits.
Uphold Global 1 day 0.0625
UPI* India 1 day 0.0250 UPI limit: ~100,000 INR/transaction.
Verse* Europe (EUR, SEK, HUF, DKK, PLN) 1 day 0.0625 Verse limit: ~10,000 EUR/year.
WeChat Pay* China 1 day 0.25
Western Union Global 4 days 0.125
Wise* Global (non-USD trades) 4 days 0.0625
Wise-USD* Global (USD trades) 4 days 0.0625
Zelle USA 4 days 0.0625 Check your bank's Zelle support & limits.

Payment method guides

  • EUR payment methods overview.

  • USD payment methods overview.

Altcoin payment methods

Bisq also supports trading Bitcoin against various cryptocurrencies, like XMR, ETH, ZEC, L-BTC or LTC. A full list is available on the Bisq Network Markets page.

Because cryptocurrency transfers are generally irreversible and fast, altcoin trades usually have higher limits (up to 0.5 BTC) available immediately, without the need for account aging or signing required for many fiat methods.

Supported Altcoin Payment Methods (Bisq v1)
Payment Method Trading Period Per-Trade Limit (BTC)
Altcoins 1 day 0.5
Altcoins Instant 1 hour 0.5

Warning for Instant Trades: Altcoins Instant trades require quick confirmation (within 1 hour). Remember to disable any open Instant offers (via `Portfolio` > `My Open Offers`) if you might be unavailable to complete the trade promptly.

See the general Account setup process within Bisq for adding altcoin accounts.

Retrieved from "https://bisq.wiki/index.php?title=Payment_methods&oldid=3954"