Difference between revisions of "Payment methods"

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Bisq offers several payment methods to buy and sell bitcoin. You may refer to chart below for details.
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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.
  
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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 the Bisq software.
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{{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]]'''.}}
  
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But unlike cryptocurrencies, fiat payment methods are riddled with flaws and limitations that require Bisq to employ several measures to encourage traders to carry out their parts of the deal quickly and honestly.
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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'''.
  
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Among these measures are (1) limits that correspond to payment account risk profiles and (2) an account-signing mechanism to cultivate a network of trusted payment accounts.
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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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=== Supported fiat payment methods ===
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__TOC__
  
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Over 20 payment methods are supported to buy and sell bitcoin with Bisq using national currencies. These payment methods vary in chargeback risk, regional availability, transaction size, fees, privacy, verifiability, and other characteristics.
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== Fiat payment methods ==
  
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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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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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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 see the Account Signing section below for details on how to enable bigger 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"
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|+ Supported Fiat Payment Methods (Bisq v1)
 
|-
 
|-
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! Payment Method !! Region !! Trading Period !! Per-Trade Limit !! Notes
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! Payment Method [* = Signing Not Required] !! Region !! Trading Period !! Per-Trade Limit (BTC) !! Notes
 
|-
 
|-
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| Advanced Cash* || Global || 1 day || 2.00 BTC || Not available in the USA
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| [[ACH]]* || USA || 5 days || 0.0625 ||  
 
|-
 
|-
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| Alipay* || China || 1 day || 1.00 BTC ||  
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| Advanced Cash* || Global (BRL, EUR, GBP, KZT, RUB, UAH, USD) || 1 day || 0.5 || Not available in the USA.
 
|-
 
|-
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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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| Alipay* || China || 1 day || 0.25 ||  
 
|-
 
|-
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| Chase QuickPay || USA || 1 day || 0.25 BTC ||  
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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]].
 
|-
 
|-
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| Face-to-Face (F2F)* || Global || 4 days  || 1.00 BTC ||  
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| Australian PayID* || Australia || 1 day || 0.25 ||  
 
|-
 
|-
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| Faster Payments* || UK || 1 day || 0.25 BTC ||  
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| [[Bizum]]* || Spain|| 1 day || 0.02 || Bizum limits: ~1000 EUR/trade, ~2000 EUR/day.
 
|-
 
|-
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| HalCash* || Spain || 1 day || 1.00 BTC ||  
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| [[Capitual]]* || Global (BRL, EUR, GBP, USD) || 1 day || 0.0625 ||  
 
|-
 
|-
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| Interac e-Transfer || Canada || 1 day || 0.25 BTC ||  
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| [[Cash by Mail]]* || Global || 8 days || 0.0625 || Follow [[Cash_by_Mail|instructions carefully]].
 
|-
 
|-
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| Japan Zengin Furikomi* || Japan || 1 day || 1.00 BTC ||  
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| Cash Deposit* || Global || 4 days || 0.0625 || Check if payee bank allows 3rd party deposits.
 
|-
 
|-
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| MoneyBeam (N26) || Europe || 1 day || 0.25 BTC ||  
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| [[CelPay]]* || Global (AUD, CAD, GBP, HKD, USD) || 1 day || 0.0625 || CelPay limit: ~$2,500/day.
 
|-
 
|-
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| MoneyGram* || Global || 4 days || 0.50 BTC ||  
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| Domestic Wire Transfer* || USA || 3 days || 0.0625 ||  
 
|-
 
|-
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| National Bank Transfer || N/A || 4 days || 0.25 BTC ||  
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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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| Perfect Money* || Europe and USA || 1 day || 1.00 BTC ||  
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| [[Faster Payments]]* || UK || 1 day || 0.0625 || See [[Faster_Payments|article]] for usage notes.
 
|-
 
|-
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| Popmoney || USA || 1 day || 0.25 BTC ||  
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| [[Faster_Payments_System_SBP|Faster Payments System (SBP)]]* || Russia || 1 day || 0.05 ||  
 
|-
 
|-
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| PromptPay* || Thailand || 1 day || 1.00 BTC ||  
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| HalCash* || Spain || 1 day || 0.25 ||  
 
|-
 
|-
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| Revolut || Global || 1 day || 0.25 BTC ||  
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| [[IMPS]]* || India || 1 day || 0.0625 || IMPS limit: ~1,000,000 INR/day.
 
|-
 
|-
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| SEPA || Europe || 6 days || 0.25 BTC ||  
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| [[Interac-e-Transfer]] || Canada || 1 day || 0.0625 || Interac Autodeposit is '''not''' supported.
 
|-
 
|-
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| SEPA Instant || Europe || 1 day || 0.25 BTC ||  
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| Japan Zengin Furikomi* || Japan || 1 day || 0.25 ||  
 
|-
 
|-
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| Swish* || Sweden || 1 day || 1.00 BTC ||  
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| MercadoPago || Argentina || 1 day || 0.0625 ||  
 
|-
 
|-
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| Transfer with Same Bank || N/A || 2 days || 0.25 BTC ||  
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| [[Monese]]* || Europe (GBP, EUR, RON) || 1 day || 0.0625 ||  
 
|-
 
|-
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| Transfer from Specific Banks  || N/A || 4 days  || 0.25 BTC ||  
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| MoneyBeam (N26) || Europe || 1 day || 0.0625 ||  
 
|-
 
|-
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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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| MoneyGram* || Global || 4 days || 0.125 ||
 
|-
 
|-
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| Uphold || Global || 1 day || 0.25 BTC ||  
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| National Bank Transfer || Global || 4 days || 0.0625 ||  
 
|-
 
|-
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| WeChat Pay* || China || 1 day || 1.00 BTC ||  
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| [[Nequi]]*|| Colombia || 1 day || 0.0625 || Nequi limit: ~7,000,000 COP/month.
 
|-
 
|-
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| Western Union || Global || 4 days  || 0.50 BTC ||  
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| [[NEFT]]* || India || 1 day || 0.10 || NEFT limit: ~50,000 INR/transaction.
 
|-
 
|-
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| Zelle || USA || 4 days || 0.25 BTC ||  
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| [[Paxum]]* || Global || 1 day || 0.0625 ||
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|-
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| [[Paysera]]* || Global || 1 day || 0.0625 ||
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|-
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| [[PayTM]]* || India || 1 day || 0.0250 || PayTM limit: ~100,000 INR/transaction.
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|-
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| Perfect Money* || Global || 1 day || 0.25 ||
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|-
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| [[Pix]]*|| Brazil || 1 day || 0.0625 ||
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|-
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| Popmoney || USA || 1 day || 0.0625 ||
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|-
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| PromptPay* || Thailand || 1 day || 0.25 ||
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|-
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| [[Revolut]] || Global || 1 day || 0.0625 || See [[Revolut|article]] for usage notes.
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|-
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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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|-
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| [[Satispay]]* || Italy || 1 day || 0.0625 ||
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|-
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| [[SEPA]] || Europe || 6 days || 0.0625 ||
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|-
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| [[SEPA Instant]] || Europe || 1 day || 0.0625 ||
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|-
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| [[Strike]]* || USA || 1 day || 0.0625 || Non-KYC Strike users have lower limits.
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|-
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| [[SWIFT]]* || Global || 7 days || 0.125 ||
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|-
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| 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 ||
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|-
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| [[UPI]]* || India || 1 day || 0.0250 || UPI limit: ~100,000 INR/transaction.
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|-
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| [[Verse]]* || Europe (EUR, SEK, HUF, DKK, PLN) || 1 day || 0.0625 || Verse limit: ~10,000 EUR/year.
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|-
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| WeChat Pay* || China || 1 day || 0.25 ||
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|-
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| Western Union || Global || 4 days || 0.125 ||
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|-
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| [[Wise]]* || Global ('''non-USD''' trades) || 4 days || 0.0625 ||
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|-
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| [[Wise-USD]]* || Global ('''USD''' trades) || 4 days || 0.0625 ||
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|-
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| [[Zelle]] || USA || 4 days || 0.0625 || Check your bank's Zelle support & limits.
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|}
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=== Payment method guides ===
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 +
<gallery mode="packed" heights="150px">
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File:Payment-methods-advice-eur.png|EUR payment methods overview.
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File:Payment-methods-advice-usd.png|USD payment methods overview.
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</gallery>
 +
 
 +
== Altcoin payment methods ==
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 +
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].
 +
 
 +
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"
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|+ Supported Altcoin Payment Methods (Bisq v1)
 +
|-
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! Payment Method !! Trading Period !! Per-Trade Limit (BTC)
 +
|-
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| [[Altcoins]] || 1 day || 0.5
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|-
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| [[Altcoins Instant]] || 1 hour || 0.5
 
|}
 
|}
  
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* These payment methods do not need to be signed to attain buying limits higher than 0.01 BTC (see account signing for more details).
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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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=== Altcoin payment methods ===
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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.

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