diff --git a/docs/the-project/payment-methods/0-template.md b/docs/the-project/payment-methods/0-template.md deleted file mode 100644 index ae30b44..0000000 --- a/docs/the-project/payment-methods/0-template.md +++ /dev/null @@ -1,27 +0,0 @@ -``` -Title: - -Popularity: rare / uncommon / common / popular / Very Popular -Complexity: Trivial / Easy / Complex -Risk Factor (if trade protocol is respected): Low / Medium / High -Currencies: Euro / USD / etc -Region: EU / US / etc -Trading Period : X Days -How many trades of this type at once ? : X max -Description: - -Trade Protocol: - -Buyer steps: (Bob) - -Seller steps: (Alice) - -Arbitration scenarios: --Both Bob and Alice submit payment proofs to arbitrator --If Alice tried to scam Bob, the arbitrator releases the security deposit for Bob --If Bob tried to scam Alice, the arbitrator releases the security deposit for Alice - -Associated risks: - -More details: -``` diff --git a/docs/the-project/payment-methods/ACH.md b/docs/the-project/payment-methods/ACH.md new file mode 100644 index 0000000..18ef1a7 --- /dev/null +++ b/docs/the-project/payment-methods/ACH.md @@ -0,0 +1,99 @@ +# ACH + +ACH Transfers are one of the main two bank transfer payment method in the the US. The other being Domestic Wire transfer. + +**Contents:** +-- 1 What countries are available for ACH? +-2 What currencies are available for ACH? +-3 What is the maximum trading duration for ACH? +-4 What is the maximum XMR limit for an ACH trade? +-5 Is ACH a payment method that can be signed? +-6 How do I set up a ACH account? +-7 How do I add ACH as a payment method in Haveno? +-8 How do I buy XMR with my ACH account? +-9 How do I sell XMR with my ACH account? +-10 Are there any limits for me to be aware of when using my ACH account? +-11 Are there any fees for me to be aware of when using my ACH account? +-12 How does dispute resolution when trading with ACH? + +#### What countries are available for ACH? + +ACH is available in the United States. + +#### What currencies are available for ACH? + +ACH only supports transfers of USD. + +#### What is the maximum trading duration for ACH? + +The maximum trade time is 5 days. Generally ACH transfers will be completed within 3 business days. + +#### What is the maximum XMR limit for an ACH trade? + +12 XMR. + +#### Is ACH a payment method that can be signed? + +No, ACH accounts do not require signing. + +#### How do I set up a ACH account? + +ACH Transfers should be possible with any checking account. You can check the fees charged by the banks for ACH Transfers to make sure you chose one with low fees. + +#### How do I add ACH as a payment method in Haveno? + +It is easy to add your ACH account to Haveno: +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select ACH +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: ACH - Chase Bank - USD - Jane Doe) +- Click save new account + +If you have more than one ACH account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. + +#### How do I buy XMR with my ACH account? + +You can buy XMR with ACH on Haveno in 2 waysː +- Make an offer to buy XMR on the USD market. +- Take an offer to buy XMR on the USD market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers ACH details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. + +#### How do I sell XMR with my ACH account? + +You can sell XMR with ACH on Haveno in 2 waysː + +- Make an offer to sell XMR on the USD market. +- Take an offer to sell XMR on the USD market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your ACH details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. + +#### Are there any limits for me to be aware of when using my ACH account? + +Your bank may impose limits of the amounts you can send / receive. You should check if your bank imposes any limits. + +#### Are there any fees for me to be aware of when using my ACH account? + +Fees charged by your bank for sending an ACH transfer can be anything from $0 - $0.30. + +Most banks will not be charge users fees for receiving an ACH transfer. + +ACH are are generally lower cost, but slower, than Wire Transfers. + +#### How does dispute resolution when trading with ACH? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. + +For more information see dispute resolution. diff --git a/docs/the-project/payment-methods/Amazon_eGift_card.md b/docs/the-project/payment-methods/Amazon_eGift_card.md new file mode 100644 index 0000000..a4017e1 --- /dev/null +++ b/docs/the-project/payment-methods/Amazon_eGift_card.md @@ -0,0 +1,104 @@ +Amazon eGift card + +Amazon eGift Cards are one of the more private payment methods on Haveno. They tend to be quick and convenient, but funds must be spent on Amazon. +| | | +|-|-| +| Chargeback risk | Low | +| Privacy protection | Very high | +| Trade period | 24 hours (payment is immediate, as fast as an email) | +| Regions | Countries listed below | +| Amazon fees | No fees | +| Verifiability | High | +| Fraud risk | Low | + +**Contents:** + +- 1 Disambiguation +- 2 Regional Availability +- 3 Adding as Payment Account in Haveno +- 4 Buying Monero with an Amazon eGift Card +- 4.1 Step 1. Log in to Amazon +- 4.2 Step 2. Customize eGift card +- 4.3 Step 3. Make Payment +- 4.4 Step 4. Seller Gets Notification +- 5 See also + +#### Disambiguation + +Amazon eGift cards are bought on the Amazon website using your account, and sent electronically to the recipient, not the paper vouchers that contain a visible code, and that you can buy at shops for cash. We understand the latter are more private because there is no name attached to the payment, but they also come with risks, namely: + +- no payment proof: the seller can claim the code was already spent on receipt, and neither the buyer nor the arbitrator have any means to ascertain either way +- illicit origin: code vouchers could be obtained through scams, and the recipient account could get the balance erased as a result, and his Amazon account banned + +For these reasons, Haveno only allows for eGift cards. + +#### Regional Availability + +Amazon eGift Cards are available in the following regions: + +|Country | Currency | Website | +|----------|-------------|----------------------------------| +|Australia | AUS | https://www.amazon.com.au | +|Canada | CAD | https://www.amazon.ca | +|Europe | EUR | Multiple websites (.fr, .de, etc)| +|United Kingdom | GBP | https://www.amazon.co.uk | +|India | INR | https://www.amazon.in | +|Japan | JPY | https://www.amazon.co.jp | +|Saudi Arabia | SAR | https://www.amazon.sa | +|Sweden | SEK | https://www.amazon.se | +|Singapore | SGD | https://www.amazon.sg | +|Turkey | TRY | https://www.amazon.com.tr | +|United States | USD | https://www.amazon.com | + + +#### Adding as Payment Account in Haveno + +To add Amazon eGift Cards as a payment method in Haveno, go to Account > National Currency Accounts > Add New Account, and then select 'Amazon eGift Card' in the drop-down. +**Note:** + You can trade across currencies by creating Amazon eGift Card payment accounts in Haveno for each currency you wish to trade in, and then purchasing gift cards from the website corresponding to the region for that currency to settle trades. + +Amazon eGift Cards can only be redeemed on the website they were purchased from. For example, to redeem a gift card on Amazon.jp, it must have been purchased on Amazon.jp. See more details on Amazon's product page. + +You can fill in an email address or a phone number: + +- Which one you pick (email address or phone number) only affects how the Monero seller will receive the eGift Card (i.e., via email or text message) +- The phone number or email address provided here does not need to be linked to your Amazon account. Once the Monero seller has received the eGift Card, they can add it to any Amazon account. + +#### Creating an Amazon eGift card payment account in Haveno. + + +#### Buying Monero with an Amazon eGift Card + +#### Step 1. Log in to Amazon + +First, log in to the Amazon website you'll be buying the eGift card on. If trading a currency used on multiple Amazon sites (e.g. EUR currency has amazon.de, amazon.it, amazon.es, etc), please confirm with your peer (through trader chat) which site should be used to purchase the gift card. You should be able to use your existing Amazon account to log in to any Amazon site (e.g. you can sign in to amazon.de using an account created on amazon.com). +#### Step 2. Customize eGift card + +It's recommended to customize the eGift Card to reduce the chances the gift card is seen as suspicious. Feel free to customize the card design, message, etc. Just remember not to include anything about Haveno or Monero anywhere. + +- Amount: Choose the amount of fiat to send that matches your trade amount. It is recommended to do multiple gift cards of 100 USD or less, as Amazon can consider gift cards of higher amounts to be fraudulent. +- Delivery: Email address or phone number of the seller +- To: eGift recipient information as prompted in the Haveno trade. +- Message: This should be left blank. If you would like to use anything other than a blank message make sure to use trader chat to confirm it with your trading peer. If not a message has been confirmed please leave blank. + +Customize your gift card. + + +#### Step 3. Make Payment + +After your card is ready go, you just have to pay for it! Amazon accepts debit and credit cards, but you cannot pay for an eGift card with another eGift card (or any other Amazon credit balance). + +**Note:** your payment details will NOT be shared with the Seller. The only information they will see is the information you entered to customize the gift card in step 2. + +After paying, you'll receive an email receipt from Amazon—make sure you keep this email in case of any issues! + +Then make sure you mark your payment as sent in Haveno. + +#### Step 4. Seller Gets Notification + +Once the buyer sends the gift card, the seller will receive an email or SMS message letting them know about their gift card. +**Note:** If the seller didn't receive a notification, you can have Amazon send another notification (email or SMS) from the Recent Orders section on Amazon. + +Upon checking the payment (making sure it's the right amount etc), the seller must confirm the payment in Haveno to complete the trade. + +Optionally, the seller can also acknowledge the gift card through Amazon, which would send the buyer an email letting them know the seller has received their gift card. diff --git a/docs/the-project/payment-methods/Bizum.md b/docs/the-project/payment-methods/Bizum.md new file mode 100644 index 0000000..7f19e8e --- /dev/null +++ b/docs/the-project/payment-methods/Bizum.md @@ -0,0 +1,120 @@ +# Bizum + +Bizum is a mobile payment provider service based in Spain. Bizium is a result of the collaboration of almost all of the Spanish banks to create a system of instant payments between individuals and shopping in stores. + +**Contents:** +- 1 Where can I find out more about Bizum? +- 2 What countries are available for Bizum? +- 3 What currencies are available for Bizum? +- 4 What is the maximum trading duration for Bizum? +- 5 What is the maximum XMR limit for an Bizum trade? +- 6 Is Bizum a payment method that can be signed? +- 7 How do I set up a Bizum account? +- 8 How do I add Bizum as a payment method in Haveno? +- 9 How do I buy XMR with my Bizum account? +- 10 How do I sell XMR with my Bizum account? +- 11 Are there any limits for me to be aware of when using my Bizum account? +- 12 Are there any fees for me to be aware of when using my Bizum account? +- 13 How does dispute resolution when trading with Bizum? + +#### Where can I find out more about Bizum? + +Here is a list of Bizum resources: + +- [Bizum website](https://bizum.es/) +- [Bizum Wiki](https://es.wikipedia.org/wiki/Bizum) +- [Bizum FAQs](https://es.wikipedia.org/wiki/Bizum) + +#### What countries are available for Bizum? + +You need is a bank account (IBAN) in Spain with any of the entities which offer the service and a mobile phone number. + +The Bizum service is not yet available for bank accounts outside Spain. Insofar as the telephone is concerned, Bizum has no restrictions, reason why it would not be a problem to make a Bizum to foreign mobile phone numbers which have a Spanish bank account associated with those phone numbers. + +#### What currencies are available for Bizum? + +Bizum supports EUR currency. + +#### What is the maximum trading duration for Bizum? + +The maximum trade time is 1 day. Generally Bizum transfers will be completed instantly (less than 10 seconds). + +#### What is the maximum XMR limit for an Bizum trade? + +12 XMR. + +#### Is Bizum a payment method that can be signed? + +No, Bizum accounts do not require signing. + +#### How do I set up a Bizum account? + +Vist the Bizum website to set up an account. You will need a Spanish bank account. + +#### How do I add Bizum as a payment method in Haveno? + +It is easy to add your Bizum account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Bizum +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Bizum - EUR - Fulano de Tal) +- Click save new account + +If you have more than one Bizum account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. + +#### How do I buy XMR with my Bizum account? + +You can buy XMR with Bizum on Haveno in 2 waysː + +- Make an offer to buy XMR on the EUR market. +- Take an offer to buy XMR on the EUR market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Bizum details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. + +#### How do I sell XMR with my Bizum account? + +You can sell XMR with Bizum on Haveno in 2 waysː + +- Make an offer to sell XMR on the EUR market. +- Take an offer to sell XMR on the EUR market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Bizum details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. + +#### Are there any limits for me to be aware of when using my Bizum account? + +Can be used for amounts between 0.50 and 1000 Euros per payment + +The maximum amount of transactions you can receive using Bizum is 2000 Euros per day. + +- Minimum amount per operation: €0.50 +- Maximum amount per operation: €1,000 +- Amount of operations received per client per day: €2,000 +- Number of operations issued and received by a client in a month: 150 operations +- Maximum number of recipients to be included in a multiple request/remittance: 30 recipients +- Duration of pending remittance to a Non-Client: 2 days +- Duration of the pending request to a Non-Client: 7 days + +Each bank however may establish its own limits, within these limits, for its clients. + +#### Are there any fees for me to be aware of when using my Bizum account? + +It is free to send and receive with Bizum. + +#### How does dispute resolution when trading with Bizum? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. + +For more information see dispute resolution. diff --git a/docs/the-project/payment-methods/Capitual.md b/docs/the-project/payment-methods/Capitual.md new file mode 100644 index 0000000..e8bedaa --- /dev/null +++ b/docs/the-project/payment-methods/Capitual.md @@ -0,0 +1,132 @@ +# Capitual + +Capitual is a payment service that combines fiat and crypto payments. Capitual is especially of benefit to users in Brazil and Europe due to it facilitating free BRL and EUR deposits and withdrawals via TED (Express Wire Transfer) and SEPA respectively. Capitual enables all users to send and receive fiat and crypto between users for free. + +Capitual operate in 48+ countries (unfortunately US residents are excluded). Currently only EUR, BRL currencies are able to be withdrawn / deposited to and from a fiat account via SEPA or TED (Express Wire Transfer). USD and GBP are also supported currencies but they can only be added by exchanging other currencies / cryptos and stablecoins. + +- Currencies supported: BRL, EUR, GBP, USD +- Cryptos supported: Monero, Litecoin, Dash, Ethereum, USDT, BUSD, USDC, DAI +- Trade window: 24 hours +- Signing required: No +- Haveno buy/sell limits: 12 XMR + +****Contents:**:** +- 1 Where can I find out more about Capitual? +- 2 What countries are available for Capitual? +- 3 What currencies are available for Capitual? +- 4 What is the maximum trading duration for Capitual? +- 5 What is the maximum XMR limit for an Capitual trade? +- 6 Is Capitual a payment method that can be signed? +- 7 How do I add Capitual as a payment method in Haveno? +- 8 What are CapCodes? +- 9 How do I buy XMR with my Capitual account? +- 10 How do I sell XMR with my Capitual account? +- 11 Are there any limits for me to be aware of when using my Capitual account? +- 12 Are there any fees for me to be aware of when using my Capitual account? + +#### Where can I find out more about Capitual? + +Here is a list of Capitual resources: +- [Capitual Website](https://www.capitual.com/) +- [Capitual Fees & Limits](https://exchange.capitual.com/) +- [Capitual GitHub](https://github.com/capitual) +- [Capitual Help Centre](https://help.capitual.com/) +- [Terms and conditions](https://my.capitual.com/legal#tos) +- [Prohibited uses](https://static.capitual.net/legal/prohibited-businesses.pdf?view) +- [Capitual Twitter](https://twitter.com/capitual) + +What countries are available for Capitual? + +Capitual operates in 48+ countries (US residents are excluded). Fiat on/off ramps are free for users in Brazil and Europe. + +#### What currencies are available for Capitual? + +Multiple currencies are supported, these are: + +- EUR +- BRL +- USD +- GBP + +Currently only EUR and BRL are the ones that are able to be withdrawn / deposited to and from a fiat account via SEPA or TED (Express Wire Transfer). + +USD and GBP can be added in the app by exchanging other currencies / cryptos. + +Stablecoins; BUSD, USDT, USDC and DAI can also be deposited and used to send / receive payments. + +#### What is the maximum trading duration for Capitual? + +The maximum trade time is 1 day. Generally Capitual transfers will be completed instantly. + +#### What is the maximum XMR limit for an Capitual trade? + +12 XMR. + +#### Is Capitual a payment method that can be signed? + +No, Capitual accounts do not require signing. + +#### How do I add Capitual as a payment method in Haveno? + +It is easy to add your Capitual account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Capitual +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Capitual - João da Silva) +- Click save new account + +Make sure all the details are correct when you add. + +#### What are CapCodes? + +Transfers take place using CapCodes. CapCodes are like coupon codes you can generate at any time and use it to transfer funds + +CapCodes are an electronic cheque system that makes it possible to store amounts of money, precious metals or cryupto-currencies in a short code, easy to be written down, that can be written in a piece of paper to make transactions even when you are not connected to the internet. + +When you generate a CapCode, you get a voucher (coupon code) that you must take note (don’t worry: it’s always possible to recover a CapCode that you have lost!). Such code stores funds in any of the currencies supported by Capitual, and you can share it with someone else, allowing the payment in any of these currencies. It’s needed to have a Capitual account to redeem a CapCode. + +After generating a CapCode, the amount gets “locked in”, and is already deducted from your balance. If you have given up or will no longer need to use the CapCode, you can redeem it yourself, onto your own account. It’s also possible to track, from your account, whether a CapCode has already been redeemed. + +CapCodes are only available when accessing your account using a computer. + +#### How do I buy XMR with my Capitual account? + +You can buy XMR with Capitual on Haveno in 2 waysː + +- Make an offer to buy XMR on the BRL, EUR, GBP, or USD market. +- Take an offer to buy XMR on the BRL, EUR, GBP, or USD market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Capitual details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. + +#### How do I sell XMR with my Capitual account? + +You can sell XMR with Capitual on Haveno in 2 waysː + +- Make an offer to sell XMR on the BRL, EUR, GBP, or USD market. +- Take an offer to sell XMR on the BRL, EUR, GBP, or USD market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Capitual details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. + +#### Are there any limits for me to be aware of when using my Capitual account? + +Unconfirmed accounts have a fixed transfer limit of US$ 9,999.00. As this limit is reached, the account must be confirmed for continued usage. + +#### Are there any fees for me to be aware of when using my Capitual account? + +There are a few fees to be aware of when using your Capitual Account. Almost everything is fee free apart from crypto withdrawals. Here is a table showing fees correct of September 2021: +Description Fee +Transfer fiat to other users Free +Transfer crypto to other users Free +Deposit BRL or EUR Free +Withdraw BRL or EUR Free +Deposit crypto Free +Withdraw crypto XMR 0.0001, LTC 0.01, DSH 0.01, ETH 0.01, USDT 0.50, BUSD 0.50, USDC 0.50, DAI 0.50 diff --git a/docs/the-project/payment-methods/Domestic_Wire_Transfer.md b/docs/the-project/payment-methods/Domestic_Wire_Transfer.md new file mode 100644 index 0000000..42da059 --- /dev/null +++ b/docs/the-project/payment-methods/Domestic_Wire_Transfer.md @@ -0,0 +1,102 @@ +# Domestic Wire Transfer + +Domestic Wire Transfers are one of the two bank transfer payment method in the the US. The other being ACH. + +**Contents:** +- 1 What countries are available for Domestic Wire Transfer? +- 2 What currencies are available for Domestic Wire Transfer? +- 3 What is the maximum trading duration for Domestic Wire Transfer? +- 4 What is the maximum XMR limit for an Domestic Wire Transfer trade? +- 5 Is Domestic Wire Transfer a payment method that can be signed? +- 6 How do I set up a Domestic Wire Transfer account? +- 7 How do I add Domestic Wire Transfer as a payment method in Haveno? +- 8 How do I buy XMR with my Domestic Wire Transfer account? +- 9 How do I sell XMR with my Domestic Wire Transfer account? +- 10 Are there any limits for me to be aware of when using my Domestic Wire Transfer account? +- 11 Are there any fees for me to be aware of when using my Domestic Wire Transfer account? +- 12 How does dispute resolution when trading with a Domestic Wire Transfer account? + +#### What countries are available for Domestic Wire Transfer? + +Domestic Wire Transfers are available in the United States. + +#### What currencies are available for Domestic Wire Transfer? + +Domestic Wire Transfer only supports transfers of USD. + +#### What is the maximum trading duration for Domestic Wire Transfer? + +Domestic Wire Transfers are usually completed within 1 business day. Therefore, the maximum trade duration is 3 days. + +#### What is the maximum XMR limit for an Domestic Wire Transfer trade? + +12 XMR. + +#### Is Domestic Wire Transfer a payment method that can be signed? + +No, Domestic Wire Transfer accounts do not require signing. + +#### How do I set up a Domestic Wire Transfer account? + +Domestic Wire Transfers should be possible with any checking account. You can check the fees charged by the banks for Domestic Wire Transfers to make sure you chose one with low fees. + +#### How do I add Domestic Wire Transfer as a payment method in Haveno? + +It is easy to add your Domestic Wire Transfer account to Haveno: +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Domestic Wire Transfer +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Wire - Chase Bank - USD - John Doe) +- Click save new account + +If you have more than one Domestic Wire Transfer account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. + +#### How do I buy XMR with my Domestic Wire Transfer account? + +You can buy XMR with Domestic Wire Transfer on Haveno in 2 waysː + +- Make an offer to buy XMR on the USD market. +- Take an offer to buy XMR on the USD market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Domestic Wire Transfer details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. + +#### How do I sell XMR with my Domestic Wire Transfer account? + +You can sell XMR with ACH on Domestic Wire Transfer in 2 waysː + +- Make an offer to sell XMR on the USD market. +- Take an offer to sell XMR on the USD market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Domestic Wire Transfer details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. + +#### Are there any limits for me to be aware of when using my Domestic Wire Transfer account? + +Your bank may impose limits of the amounts you can send / receive. You should check if your bank imposes any limits. + +#### Are there any fees for me to be aware of when using my Domestic Wire Transfer account? + +Banks often charge their users fees for sending a Domestic Wire Transfer. This is usually anything from $15-40. + +Banks often charge their users fees for receiving a Domestic Wire Transfer. This is usually anything from $0-15. + +Users should check with their bank so they know what fees they will be charged to send / receive payments. + +Domestic Wire Transfer are generally higher cost, but faster, than ACH Transfers. + +#### How does dispute resolution when trading with a Domestic Wire Transfer account? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. + +For more information see dispute resolution. diff --git a/docs/the-project/payment-methods/F2F.md b/docs/the-project/payment-methods/F2F.md new file mode 100644 index 0000000..e9d3dec --- /dev/null +++ b/docs/the-project/payment-methods/F2F.md @@ -0,0 +1,69 @@ +# Face to Face (F2F) trading with Haveno + +Haveno can help users arrange face-to-face (F2F) trades to buy and sell monero. + +Done correctly, this may be the only payment method that can be both private and anonymous. But there are a number of things you should consider when doing a F2F trade on Haveno. + +F2F trades are technically very similar to online trades. In fact, to carry out a F2F trade, you follow the exact same process within the Haveno software as you would for any other trade. The difference is in how the buyer pays the seller: instead of paying through a financial intermediary (like a bank or other money transfer service), the buyer meets the seller in real life and pays with cash. + +### Setting up a F2F account in Haveno + +When setting up a F2F payment account in Haveno, you will be asked to enter the following information: + +- Country +- Currency +- City (this will be displayed with the offer) +- Additional information (for example where you would like to complete the trade, do NOT place direct contact information here!) + +You can only select one currency for a single F2F account. If you would like to trade with more than one currency, please create separate accounts for each currency. Define any special terms, conditions, or details you would like to be displayed with your offers in the 'Additional Information' field. Users can see this field before taking the offer by clicking the info icon of the offer. +***Note:** Consider setting up separate F2F accounts for buying and selling so you can specify special instructions for each.* + +### Making a F2F offer + +Make sure to state any special terms or conditions in the 'Additional Information' field of the payment account before making an offer. The person taking the offer will be accepting these terms and conditions by taking the offer. For example you could include that you are looking to complete the trade in a Starbucks within the city center. + +Please note it is against Haveno rules to use the 'Additional Information' field to include advertising offers with a way to contact you prior to the trade (e.g. website, phone, email, or Matrix/Keybase/Telegram user name). Doing this can result in a penalty, should someone take your offer and request for you to be penalized. + +### Taking a F2F offer + +Make sure to check the offer maker's terms and conditions before taking a F2F offer. If you cannot fulfill the terms, do not take the the offer. If you have specific terms you would prefer, consider making your own offer instead. +Meeting your trading partner + +Doing a transaction face-to-face means you’ll be coming within close proximity of a stranger to exchange relatively substantial value. + +### Be safe + +People do local, in-person commerce all the time, all over the world. Incidents are rare, but they do happen. You should be cognizant of risks and do your part to minimize potential harm. + +Guard your data. When you set up a face-to-face payment account in Haveno, you’ll need to provide contact information so you can arrange a meeting with your trading partner. Make sure this information isn’t traceable back to your property or identity. + +Meet in a neutral public place. Meeting your trading partner in a place with witnesses and security cameras significantly reduces the chance of an incident. + +Don’t bring more than you need. Even in a public place, incidents can still happen, but you can limit the chance even further by limiting valuables on your person that would interest a thief in the first place. + +Bring backup. Consider bringing a friend with you. Also, depending on the laws in your area & your own comfort, consider carrying a concealed tool for self-defense. Even pepper-spray can hobble a criminal just enough to get you out of immediate danger. + +### Validate payment + +Face-to-face trades are usually settled with cash. Cash is wonderfully anonymous, but it can be counterfeited. Be sure you know the basics of detecting counterfeit currency. For example, there are several characteristics of US dollar bills one can examine to quickly determine fakes with high accuracy. + +You could look for tools like counterfeit pens to do the work for you, but make sure you do thorough research before picking one. Counterfeit pens, for example, are often not reliable. + +If you’d rather not take the chance of carrying or accepting cash, consider meeting at a bank where you can validate a buyer’s payment on the spot. +Ensure you follow Haveno protocol + +Ultimately, the deal will be completed in Haveno. Buyers must mark payment as sent before sellers can release assets. + +Buyers should bring a laptop with them so they can mark the payment as sent. Otherwise, the buyer will end up paying the seller and have to walk away without the monero they paid for (since the seller won’t be able to acknowledge receipt of payment before the buyer acknowledges they sent payment). + +Sellers should bring a laptop with their Haveno client running no matter what. Once they receive a legitimate payment, they’ll need to mark the payment as received so the assets are released to the buyer. No buyer will want to walk away after paying without proof of a complete deal. + +### Disputes + +The lack of verifiable actions makes handling face-to-face disputes much harder. + +This is why we highly recommend that both parties bring laptops and acknowledge their ends of the deal on the spot. + +Otherwise, the same dispute process is in place for F2F trades, but be advised that arbitrators and arbitrators often won’t have a way to settle disputes. In such cases, aggrieved traders can send deposit funds arbitration and make an appeal to the Haveno's team. + +Having said that, arbitrators and arbitrators may attempt different tactics to get a handle on the situation. diff --git a/docs/the-project/payment-methods/Faster_Payments.md b/docs/the-project/payment-methods/Faster_Payments.md new file mode 100644 index 0000000..cf2e2c5 --- /dev/null +++ b/docs/the-project/payment-methods/Faster_Payments.md @@ -0,0 +1,112 @@ +# Faster Payments + +Faster Payments is a payment method added used in Haveno for buying and selling XMR for British Pounds (GBP). + +Faster Payments is the most common way people in the UK send and receive payment to each other via their banks. + +Faster Payments usually instant, but can take up to 24 hours depending on the senders or receivers your bank. +**Contents:** + +- 1 Where can I find out more about Faster Payments? +- 2 What countries are available for Faster Payments? +- 3 What currencies are available for Faster Payments? +- 4 What is the maximum trading duration for Faster Payments? +- 5 What is the maximum XMR limit for an Faster Payments trade? +- 6 Is Faster Payments a payment method that can be signed? +- 7 How do I set up a Faster Payments account? +- 8 How do I add Faster Payments account as a payment method in Haveno? +- 9 How do I buy XMR with my Faster Payments account? +- 10 How do I sell XMR with my Faster Payments account? +- 11 Are there any limits for me to be aware of when using my Faster Payments account? +- 12 Are there any fees for me to be aware of when using my Faster Payments account? +- 13 How does dispute resolution when trading with Faster Payments? + +#### Where can I find out more about Faster Payments? + +Here is a list of Faster Payments resources: + +- Faster Payments Wikipedia Page +- Pay.UK Faster Payments operator +- Sort Code Checker + +#### What countries are available for Faster Payments? + +Faster Payments is available to users with a UK Bank or payment provider account. + +#### What currencies are available for Faster Payments? + +Faster Payments allows peer to peer payments of: + +- British Pounds (GBP) + +#### What is the maximum trading duration for Faster Payments? + +The maximum trade time is 1 day. Generally Faster Payments will be completed within 5 minutes. + +#### What is the maximum XMR limit for an Faster Payments trade? + +12 XMR. + +#### Is Faster Payments a payment method that can be signed? + +No, Faster Payments accounts do not require signing to lift limits. + +#### How do I set up a Faster Payments account? + +Faster Payments are supported by all UK banks and some payment providers eg TransferWise. + +#### How do I add Faster Payments account as a payment method in Haveno? + +It is easy to add your Faster Payments account to Haveno: +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Faster Payments +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Faster Payments - GBP - John Smith) +- Click save new account + +Make sure all the details are correct when you add. + +Make sure to include both your Name as shown by the bank when you send payment (eg John Smith, or J Smith), your sort code and account number. +**Warning**, Faster Payments on Haveno does not require you bank to match the Faster Payment 'name check' service. Most UK banks are opted in to the name check service but not all are. It is fine to send payment to the account shown in the Haveno contract even if their name does not show on the name check. However this does not mean XMR sellers can make up any name. XMR seller MUST ensure the details they enter match the name of their account shown in their bank. + +#### How do I buy XMR with my Faster Payments account? + +You can buy XMR with Faster Payments on Haveno in 2 waysː +- Make an offer to buy XMR on the GBP market. +- Take an offer to buy XMR on the GBP market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Faster Payments details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to the details provided by the XMR Seller in their Haveno account. Please leave the payment description blank. + +#### How do I sell XMR with my Faster Payments account? + +You can sell XMR with Faster Payments on Haveno in 2 waysː +- Make an offer to sell XMR on the GBP market. +- Take an offer to sell XMR on the GBP market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Faster Payments details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, XMR Sellers should expect to receive payment from the name shown in the XMR Buyer's Haveno account. Not all banks will show the sort code and account number the payment came from but the name must match. + +#### Are there any limits for me to be aware of when using my Faster Payments account? + +Limits are set by your bank. Check with your bank what the limits allowed are. Most limits will be at least £20,000 per day. There is no minimum limit. + +#### Are there any fees for me to be aware of when using my Faster Payments account? + +It is free to send and receive payments. + +#### How does dispute resolution when trading with Faster Payments? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. + +For more information see dispute resolution. diff --git a/docs/the-project/payment-methods/IMPS.md b/docs/the-project/payment-methods/IMPS.md new file mode 100644 index 0000000..1e2467c --- /dev/null +++ b/docs/the-project/payment-methods/IMPS.md @@ -0,0 +1,131 @@ +IMPS + + +IMPS is a payment method added in Haveno , Immediate Payment Service (IMPS) is an instant payment inter-bank electronic funds transfer system in India. IMPS offers an inter-bank electronic fund transfer service through mobile phones. IMPS is managed by the National Payments Corporation of India. This is an umbrella organization for operating retail payments and settlement systems in India. + +**Contents:** + +- Where can I find out more about IMPS? +- 2 What countries are available for IMPS? +- 3 What currencies are available for IMPS? +- 4 What is the maximum trading duration for IMPS? +- 5 What is the maximum XMR limit for an IMPS trade? +- 6 Is IMPS a payment method that can be signed? +- 7 How do I set up a IMPS account? +- 8 How do I add IMPS as a payment method in Haveno? +- 9 How do I buy XMR with my IMPS account? +- 10 How do I sell XMR with my IMPS account? +- 11 Are there any limits for me to be aware of when using my IMPS account? +- 12 Are there any fees for me to be aware of when using my IMPS account? +- 13 How does dispute resolution when trading with IMPS? + +#### Where can I find out more about IMPS? + +Here is a list of IMPS resources: + +- [Immediate Payment Service Wiki](https://en.wikipedia.org/wiki/Immediate_Payment_Service) +- [IMPS video explainer](https://youtube.com/watch?v=EbeStNuSetE) + +#### What countries are available for IMPS? + +IMPS is available users in India. + +#### What currencies are available for IMPS? + +IMPS supports INR currency. + +#### What is the maximum trading duration for IMPS? + +The maximum trade time is 1 day. Generally IMPS transfers are instant. + +#### What is the maximum XMR limit for an IMPS trade? + +12 XMR. +Is IMPS a payment method that can be signed? + +No, IMPS accounts do not require signing. + +#### How do I set up a IMPS account? + +Pretty much all bank accounts in India can make IMPS payments. + +#### How do I add IMPS as a payment method in Haveno? + +It is easy to add your IMPS account to Haveno: + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select IMPS +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: IMPS - INR - Aam Aadmi) +- Click save new account + +If you have more than one IMPS account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. + +**Please make sure to include your:** +- Account owner full name +- Account number +- IFSC number +- These details should match your bank account that you will use for sending / receiving payments. + +Please be aware there is a maximum of Rs. 200,000 that can be sent per transaction. If you are trading over this amount multiple transactions will be needed. However be aware their is a maximum limit of Rs. 1,000,000 that can be sent per day. + +Some banks have different limits for their customers. + +#### How do I buy XMR with my IMPS account? + +You can buy XMR with IMPS on Haveno in 2 waysː +- Make an offer to buy XMR on the INR market. +- An offer to buy XMR on the INR market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers IMPS details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, Please send payment only to the account details provided in Haveno. + +The maximum trade size is Rs. 200,000 per transaction. + +If your trade is over Rs. 200,000 you will have to make multiple transfers. However be aware their is a maximum limit of Rs. 1,000,000 that can be sent per day. + +**Note:** some banks have different limits for their customers. + +#### How do I sell XMR with my IMPS account? + +You can sell XMR with IMPS on Haveno in 2 waysː + +- Make an offer to sell XMR on the INR market. +- ke an offer to sell XMR on the INR market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your IMPS details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, if you intend to receive over Rs. 200,000 per trade you should expect the buyer to have to make multiple transfers. However be aware their is a maximum limit of Rs. 1,000,000 that can be sent per day. + +Please **Note:** some banks have different limits for their customers. + +#### Are there any limits for me to be aware of when using my IMPS account? + +Maximum of 200,000 INR can be sent per transaction. + +Maximum of 1,000,000 INR can be sent per day. + +Minimum payment is 1 INR. + +#### Are there any fees for me to be aware of when using my IMPS account? + +Fee for IMPS are low between 5-15 INR per transaction. + +#### How does dispute resolution when trading with IMPS? + +Payment is made on bank smart phone app. Screenshots / videos can be used for verification. SMS messages are also sent to payer and payee to confirm payment. + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. + +For more information see dispute resolution. diff --git a/docs/the-project/payment-methods/Monese.md b/docs/the-project/payment-methods/Monese.md new file mode 100644 index 0000000..4727fda --- /dev/null +++ b/docs/the-project/payment-methods/Monese.md @@ -0,0 +1,128 @@ +# Monese + +Monese is a popular neo bank app for users of GBP, EUR and RON. As well as the usual bank facilities Monese allows users to send money to other Monese accounts instantly and for free in any supported currency. + +Monese has a good use case in that it is instant, free, multi currency and has some better use cases than SEPA (current most popular EUR payment method). Also provides a Revolut alternative to users in UK and Europe. +**Contents:** + +- 1 Where can I find out more about Monese ? +- 2 What countries are available for Monese? +- 3 What currencies are available for Monese? +- 4 What is the maximum trading duration for Monese? +- 5 What is the maximum XMR limit for an Monese trade? +- 6 Is Monese a payment method that can be signed? +- 7 How do I set up a Monese account? +- 8 How do I add Monese as a payment method in Haveno? +- 9 How do I buy XMR with my Monese account? +- 10 How do I sell XMR with my Monese account? +- 11 Are there any limits for me to be aware of when using my Monese account? +- 12 Are there any fees for me to be aware of when using my Monese account? +- 13 How does dispute resolution when trading with Monese? + +#### Where can I find out more about Monese ? + +Here is a list of Monese resources: + +- [Monese website](https://monese.com/) +- [Monese fees and limits](https://monese.com/gb/en/fees-and-limits/fee-and-limits-information) +- [Monese T&Cs](https://monese.com/gb/en/terms) + +#### What countries are available for Monese? + +Monese is available in the following countries; Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom. + +Monese is available anyone who's at least 18 years old and is a resident of the above countries, regardless of their citizenship or financial history. +What currencies are available for Monese? + +Monese allows peer to peer payments of: + +- British pounds (GBP) +- Euro (EUR) +- Romanian lei (RON) + +#### What is the maximum trading duration for Monese? + +The maximum trade time is 1 day. Generally Monese transfers will be completed instantly. + +#### What is the maximum XMR limit for an Monese trade? + +12 XMR. + +#### Is Monese a payment method that can be signed? + +No, Monese accounts do not require signing. + +#### How do I set up a Monese account? + +To set up a Monese account you will need to be a resident of any of the following countries; Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom. + +To get a Monese account set up vist the Monese website to set up an account. + +- To open a RON account, you need to either live in Romania or have Romanian citizenship, holding a valid CNP (Romanian Personal Numeric Code). You’ll need one or more of these documents during account opening: Romanian national identity card, Romanian passport, Romanian driving license or a residence permit. + +Depending which country you live in, you may also be able to open an account in more than one currency. For example, you could have both a GBP and a EUR account. + +#### How do I add Monese as a payment method in Haveno? + +It is easy to add your Monese account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Monese +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Monese - EUR - Jean Dupont) +- Click save new account + +Make sure all the details are correct when you add. + +Monese payments are done by linking accounts to phone numbers. If you add the person to your phone contacts you will be able to send payment to them if they have registered the number with their Monese account + +- Full name of user +- Phone Number including international code + +**Warning**, Monese is a bank app for users of GBP, EUR and RON*. Monese allows users to send money to other Monese accounts instantly and for free in any supported currency. + +- To open a RON account in Monese, you need to either live in Romania or have Romanian citizenship. + +When setting up your Monese account in Haveno please make sure to include your name and phone number that matches your Monese account. This will ensure that when you send funds they show from the correct account and when you receive funds they will be credited to your account. + +#### How do I buy XMR with my Monese account? + +You can buy XMR with Monese on Haveno in 2 waysː + +- Make an offer to buy XMR on the EUR, GBP or RON market. +- Take an offer to buy XMR on the EUR, GBP or RON market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Monese details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to the phone number provided by the XMR Seller in their Haveno account. Please leave the payment description blank. + +#### How do I sell XMR with my Monese account? + +You can sell XMR with Monese on Haveno in 2 waysː + +- Make an offer to sell XMR on the EUR, GBP or RON market. +- Take an offer to sell XMR on the EUR, GBP or RON market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Monese details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +****Warning**, XMR Sellers should expect to receive payment from the phone number / name shown in the XMR Buyer's Haveno account. + +#### Are there any limits for me to be aware of when using my Monese account? + +For more info see specific country page on Monese website about limit for example (UK): https://monese.com/gb/en/fees-and-limits/fee-and-limits-information + +#### Are there any fees for me to be aware of when using my Monese account? + +It is free to send and receive payments. + +#### How does dispute resolution when trading with Monese? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/NEFT.md b/docs/the-project/payment-methods/NEFT.md new file mode 100644 index 0000000..7269f8b --- /dev/null +++ b/docs/the-project/payment-methods/NEFT.md @@ -0,0 +1,126 @@ +# NEFT + +National Electronic Funds Transfer (NEFT) is an electronic funds transfer system maintained by the Reserve Bank of India. NEFT enables bank customers in India to transfer funds for free between any two NEFT-enabled bank accounts. + +**Contents:** +- 1 Where can I find out more about NEFT? +- 2 What countries are available for NEFT? +- 3 What currencies are available for NEFT? +- 4 What is the maximum trading duration for NEFT? +- 5 What is the maximum XMR limit for an NEFT trade? +- 6 Is NEFT a payment method that can be signed? +- 7 How do I set up a NEFT account? +- 8 How do I add NEFT as a payment method in Haveno? +- 9 How do I buy XMR with my NEFT account? +- 10 How do I sell XMR with my NEFT account? +- 11 Are there any limits for me to be aware of when using my NEFT account? +- 12 Are there any fees for me to be aware of when using my NEFT account? +- 13 How does dispute resolution when trading with NEFT? + +#### Where can I find out more about NEFT? + +Here is a list of NEFT resources: + +- [National Electronic Funds Transfer Wiki](https://en.wikipedia.org/wiki/National_Electronic_Funds_Transfer) + +#### What countries are available for NEFT? + +NEFT is available users in India. + +#### What currencies are available for NEFT? + +NEFT supports INR currency. + +#### What is the maximum trading duration for NEFT? + +The maximum trade time is X days. Generally NEFT transfers will be completed within X days. + +#### What is the maximum XMR limit for an NEFT trade? + +0.01 XMR. + +#### Is NEFT a payment method that can be signed? + +No, NEFT accounts do not require signing. + +#### How do I set up a NEFT account? + +Pretty much all bank accounts in India can make NEFT payments. + +#### How do I add NEFT as a payment method in Haveno? + +It is easy to add your NEFT account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select NEFT +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: NEFT - INR - Aam Aadmi) +- Click save new account + +If you have more than one NEFT account you wish to add to Haveno you can create different accounts for each. +**Warning**, make sure all the details are correct when you add. + +Please make sure to include your: + +- Account owner full name +- Account number +- IFSC number +- These details should match your bank account that you will use for sending / receiving payments. + +Please be aware there is a maximum of Rs. 50,000 that can be sent per transaction. If you are trading over this amount multiple transactions will be needed. + +Please note some banks have different limits for their customers. + +#### How do I buy XMR with my NEFT account? + +You can buy XMR with NEFT on Haveno in 2 waysː + +- Make an offer to buy XMR on the INR market. +- Take an offer to buy XMR on the INR market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers NEFT details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to the account details provided in Haveno. + +The maximum trade size is Rs. 50,000 per transaction. + +If your trade is over Rs. 50,000 you will have to make multiple transfers. + +Please note some banks have different limits for their customers. + +#### How do I sell XMR with my NEFT account? + +You can sell XMR with NEFT on Haveno in 2 waysː + +- Make an offer to sell XMR on the INR market. +- Take an offer to sell XMR on the INR market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your XXXXXXX details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, if you intend to receive over Rs. 50,000 per trade you should expect the buyer to have to make multiple transfers. + +Please note some banks have different limits for their customers. + +#### Are there any limits for me to be aware of when using my NEFT account? + +Maximum amount limited to per transaction is Rs.50000 within India + +Maximum of 50,000 INR can be sent per transaction. + +No minimum limit. + +#### Are there any fees for me to be aware of when using my NEFT account? + +It is free to send and receive. + +#### How does dispute resolution when trading with NEFT? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. \ No newline at end of file diff --git a/docs/the-project/payment-methods/Nequi.md b/docs/the-project/payment-methods/Nequi.md new file mode 100644 index 0000000..1d002bb --- /dev/null +++ b/docs/the-project/payment-methods/Nequi.md @@ -0,0 +1,113 @@ +# Nequi + +Nequi is a commonly used fintech neobank that allows people to send money to anyone in any part of Colombia. + +**Contents:** +- 1 What countries are available for Nequi? +- 2 What currencies are available for Nequi? +- 3 What is the maximum trading duration for Nequi? +- 4 What is the maximum XMR limit for an Nequi trade? +- 5 Is Nequi a payment method that can be signed? +- 6 How do I set up a Nequi account? +- 7 How do I add Nequi as a payment method in Haveno? +- 8 How do I buy XMR with my Nequi account? +- 9 How do I sell XMR with my Nequi account? +- 10 Are there any limits or fees for me to be aware of when using my Nequi account? +- 11 How does dispute resolution when trading with Nequi? + +#### What countries are available for Nequi? + +Nequi is available in Colombia. + +#### What currencies are available for Nequi? + +Nequi is for COP. + +#### What is the maximum trading duration for Nequi? + +The maximum trade time is 1 day. Generally Nequi transfers are instant. + +#### What is the maximum XMR limit for an Nequi trade? + +12 XMR. + +#### Is Nequi a payment method that can be signed? + +No, Nequi accounts do not require signing. + +#### How do I set up a Nequi account? + +Vist the Nequi website to set up an account. You will need a Colombian bank account. + +#### How do I add Nequi as a payment method in Haveno? + +It is easy to add your Nequi account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Nequi +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Nequi - COP - Pepito Pérez) +- Click save new account + +If you have more than one Nequi account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. +**Warning**, please make sure to include your phone number that matches your phone number from your Nequi account. + +When users set up a Nequi account payment limits are set to a maximum of ~ 7,000,000 COP that can be sent per month. + +If you intend to trade amount of over 7,000,000 COP per trade you will need to complete KYC with Bancolombia and pay a fee of around 15,000 COP. After this all transactions will incur a 0.4% of tax. Please ensure you are aware of the latest taxes. + +Users should also be aware of account limits. Trades above Nequi account limits will likely have to be cancelled. + +#### How do I buy XMR with my Nequi account? + +You can buy XMR with Nequi on Haveno in 2 waysː + +- Make an offer to buy XMR on the COP market. +- Take an offer to buy XMR on the COP market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Nequi details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to phone number provided in the XMR Seller's Haveno account. + +When users set up a Nequi account payment limits are set to a maximum of ~ 7,000,000 COP that can be sent per month. + +If you intend to trade amount of over 7,000,000 COP per trade you will need to complete KYC with Bancolombia and pay a fee of around 15,000 COP. After this all transactions will incur a 0.4% of tax. Please ensure you are aware of the latest taxes. + +Users should also be aware of account limits. Trades above Nequi account limits will likely have to be cancelled. + +#### How do I sell XMR with my Nequi account? + +You can sell XMR with Nequi on Haveno in 2 waysː + +- Make an offer to sell XMR on the COP market. +- Take an offer to sell XMR on the COP market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Nequi details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, please checked that the payment received matches the pone number provided in the XMR Buyer's Haveno account. + +When users set up a Nequi account payment limits are set to a maximum of ~ 7,000,000 COP that can be sent per month. + +If you intend to trade amount of over 7,000,000 COP per trade you will need to complete KYC with Bancolombia and pay a fee of around 15,000 COP. After this all transactions will incur a 0.4% of tax. Please ensure you are aware of the latest taxes. + +Users should also be aware of account limits. Trades above Nequi account limits will likely have to be cancelled. + +#### Are there any limits or fees for me to be aware of when using my Nequi account? + +For most users it is free to send and receive payments. + +If you intend to trade amount of over 7,000,000 COP per trade you will need to complete KYC with Bancolombia and pay a fee of around 15,000 COP. After this all transactions will incur a 0.4% of tax. Please ensure you are aware of the latest taxes. + +#### How does dispute resolution when trading with Nequi? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/Paxum.md b/docs/the-project/payment-methods/Paxum.md new file mode 100644 index 0000000..ecc4a0d --- /dev/null +++ b/docs/the-project/payment-methods/Paxum.md @@ -0,0 +1,113 @@ +Paxum + +Paxum is a Global Payment Service for Businesses and Individuals. Paxum provides payment services for businesses in higher risk industries such as adult work and affiliate marketing. Paxum provides it's users with virtual payment accounts. For example SEPA, ACH and Faster Payment accounts are provided for the currencies EUR, USD, and GBP. + +Paxum to Paxum transfers are instant. + +- Currencies accepted; USD, CAD, EUR, DKK, CZK, AUD, ZAR, THB, CHF, SEK, RON, PLN, NZD, NOK, INR, IDR, HUF, GBP +- Trade window: 24 hours +- Signing required: No +- Haveno buy/sell Limits: 12 XMR + +**Contents:** + +- 1 Where can I find out more about Paxum? +- 2 What countries are available for Paxum? +- 3 What currencies are available for Paxum? +- 4 What is the maximum trading duration for Paxum? +- 5 What is the maximum XMR limit for an Paxum trade? +- 6 Is Paxum a payment method that can be signed? +- 7 How do I set up a Paxum account? +- 8 How do I add Paxum as a payment method in Haveno? +- 9 How do I buy XMR with my Paxum account? +- 10 How do I sell XMR with my Paxum account? +- 11 Are there any limits for me to be aware of when using my Paxum account? +- 12 Are there any fees for me to be aware of when using my Paxum account? +- 13 How does dispute resolution when trading with Paxum? + +#### Where can I find out more about Paxum? + +Here is a list of Paxum resources: + +- [Paxum website](https://paxum.com/) +- [Paxum Fees](https://www.paxum.com/fees) +- [e-Wallet Terms of Use](https://paxum.com/legal/ewallet-terms-of-use) +- [Paxum Twitter](https://twitter.com/paxuminc) +- [Paxum blog](https://paxumblog.com/) + +#### What countries are available for Paxum? + +Paxum is available for users in 50+ Countries. + +#### What currencies are available for Paxum? + +Paxum can be used for the following currencies; USD, CAD, EUR, DKK, CZK, AUD, ZAR, THB, CHF, SEK, RON, PLN, NZD, NOK, INR, IDR, HUF, GBP + +#### What is the maximum trading duration for Paxum? + +The maximum trade time is 1 day. Generally Paxum transfers will be completed instantly (less than 10 seconds). + +#### What is the maximum XMR limit for an Paxum trade? + +12 XMR. + +#### Is Paxum a payment method that can be signed? + +No, Paxum accounts do not require signing. + +#### How do I set up a Paxum account? + +Vist the Paxum website to set up an account. + +#### How do I add Paxum as a payment method in Haveno? + +It is easy to add your Paxum account to Haveno: +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Paxum +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Paxum - John Smith) +- Click save new account + +Make sure all the details are correct when you add. + +#### How do I buy XMR with my Paxum account? + +You can buy XMR with Paxum on Haveno in 2 waysː +- Make an offer to buy XMR on the EUR market. +- Take an offer to buy XMR on the EUR market. + +Payment can be sent to other users with just an email address. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Paxum details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. + +#### How do I sell XMR with my Paxum account? + +You can sell XMR with Paxum on Haveno in 2 waysː +- Make an offer to sell XMR on the XXXXXX market. +- Take an offer to sell XMR on the XXXXXX market. + +When the offer is confirmed Paxum will provide with the XMR Buyer with your Paxum details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. + +#### Are there any limits for me to be aware of when using my Paxum account? + +None + +#### Are there any fees for me to be aware of when using my Paxum account? + +Paxum to Paxum transfers cost ~$0.25 to both send and receive. + +It costs about $5 to deposit and withdraw funds from to Paxum. + +#### How does dispute resolution when trading with Paxum? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/PayTM.md b/docs/the-project/payment-methods/PayTM.md new file mode 100644 index 0000000..cc6da2a --- /dev/null +++ b/docs/the-project/payment-methods/PayTM.md @@ -0,0 +1,142 @@ +# PayTM + +PayTM is an e-commerce payment system and financial technology company, based in India. PayTM has around 350 million users. Users can send funds to each other via the PayTM wallet. + +**Contents:** +- 1 Where can I find out more about PayTM? +- 2 What countries are available for PayTM? +- 3 What currencies are available for PayTM? +- 4 What is the maximum trading duration for PayTM? +- 5 What is the maximum XMR limit for an PayTM trade? +- 6 Is PayTM a payment method that can be signed? +- 7 How do I set up a PayTM account? +- 8 How do I add PayTM as a payment method in Haveno? +- 9 How do I buy XMR with my PayTM account? +- 10 How do I sell XMR with my PayTM account? +- 11 Are there any limits for me to be aware of when using my PayTM account? +- 12 Are there any fees for me to be aware of when using my PayTM account? +- 13 How does dispute resolution when trading with PayTM? + +#### Where can I find out more about PayTM? + +Here is a list of PayTM resources: +- [PayTM website](https://paytm.com/) +- [PayTM video explainer](https://www.youtube.com/watch?v=_twGGicE_OQ) +- [PayTM wallet blog post](https://paytm.com/blog/paytm-help/what-is-paytm-wallet-and-how-to-use-it/) +- [PayTM Wiki](https://en.wikipedia.org/wiki/Paytm) + +#### What countries are available for PayTM? + +PayTM is available in India. + +#### What currencies are available for PayTM? + +PayTM supports INR currency. + +#### What is the maximum trading duration for PayTM? + +The maximum trade time is 1 day. Generally PayTM transfers will be completed instantly. + +#### What is the maximum XMR limit for an PayTM trade? + +0.025 XMR. + +#### Is PayTM a payment method that can be signed? + +No, PayTM accounts do not require signing. + +#### How do I set up a PayTM account? + +Vist the PayTM website to set up an account. You will need an Indian bank account. + +#### How do I add PayTM as a payment method in Haveno? + +It is easy to add your PayTM account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select PayTM +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: PayTM - INR - Aam Aadmi) +- Click save new account + +Make sure all the details are correct when you add. +**Warning**, please make sure to include your email or phone number that matches your email or phone number is your PayTM account. + +When users set up a PayTM account with No KYC users are limited to: + +- Maximum of Rs. 5,000 can be sent per transaction. +- Maximum of Rs. 10,000 can be held in someone's PayTM wallet. + +If you intend to trade amount of over 5,000 per trade you will need to complete KYC with PayTM. With KYC users are limited to: + +- Maximum of Rs. 100,000 can be sent per transaction. +- Maximum of Rs. 100,000 can be held in someone's PayTM wallet. + +Users should also be aware of account limits. Trades above PayTM account limits will likely have to take place over more than one day, or, be cancelled. + +#### How do I buy XMR with my PayTM account? + +You can buy XMR with PayTM on Haveno in 2 waysː + +- Make an offer to buy XMR on the INR market. +- Take an offer to buy XMR on the INR market. + +In order to make a payment or transfer funds through PayTM, you just need your recipients PayTM registered email or phone number. No other information is needed. + +When the offer is confirmed Haveno will provide you with the XMR Sellers PayTM details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to the email address or phone number provided. + +If you intend to trade amount of over Rs. 5,000 per trade you will need to complete KYC with PayTM. + +With No KYC Rs. 5,000 can be sent per transaction. + +With KYC users Rs. 100,000 can be sent per transaction. + +#### How do I sell XMR with my PayTM account? + +You can sell XMR with PayTM on Haveno in 2 waysː + +- Make an offer to sell XMR on the INR market. +- Take an offer to sell XMR on the INR market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your PayTM details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, if you intend to trade amount of over Rs. 5,000 per trade you will need to complete KYC with PayTM. With KYC users are limited to: + +- Maximum of Rs. 100,000 can be sent per transaction. +- Maximum of Rs. 100,000 can be held in your PayTM wallet. + +Users should also be aware of account limits. As a maximum of Rs. 100,000 can be held in your PayTM wallet please make sure you transfer out your rupees regularly. + +#### Are there any limits for me to be aware of when using my PayTM account? + +With No KYC users are limited to + +- Maximum of 5,000 INR can be sent per transaction. +- Maximum of 10,000 INR can be held in someone's PayTM wallet. + +With KYC users are limited to + +- Maximum of 100,000 INR can be sent per transaction. +- Maximum of 100,000 INR can be held in someone's PayTM wallet. + +This means that for Haveno a KYC PayTM wallet will be practical for transactions. Users should also be aware of account limits. + +#### Are there any fees for me to be aware of when using my PayTM account? + +Free for personal use. + +#### How does dispute resolution when trading with PayTM? + +Payment is made on bank smart phone app. Screenshots / videos can be used for verification. + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/Pay_By_Mail.md.md b/docs/the-project/payment-methods/Pay_By_Mail.md.md new file mode 100644 index 0000000..db797d2 --- /dev/null +++ b/docs/the-project/payment-methods/Pay_By_Mail.md.md @@ -0,0 +1,66 @@ +# Cash by mail + +Cash by mail (CBM) is one of the most private payment methods on Haveno. + +This payment method has special requirements you should be aware of, so please read this article carefully before doing any cash by mail trades. + + +### Setting up a CBM account in Haveno + +When setting up cash-by-mail payment account in Haveno, you will be asked to enter the following information: +- Name or nym the package should be addressed to +- Postal address +- Currency +- Additional information + +If selling XMR, the name/nym and address fields should be the name you would like to buyer to address the package to. If buying XMR, the name/nym and address fields should be the name the seller or postal service to return the package to in case of any issues. + +- You can only select one currency for a single cash-by-mail account. If you would like to trade with more than one currency, please create separate accounts for each currency. + +Define any special terms, conditions, or details you would like to be displayed with your offers in the 'Additional Information' field. Users can see this field before taking the offer by clicking the info icon of the offer. (Consider setting up separate cash-by-mail accounts for buying and selling so you can specify special instructions for each.) + +### Making a CBM offer + +- Make sure to state any special terms or conditions in the 'Additional Information' field of the payment account before making an offer. The person taking the offer will be accepting these terms and conditions by taking the offer. + +Please note it is against Haveno rules to use the 'Additional Information' field to include advertising offers with a way to contact you prior to the trade (e.g. website, phone, email, or Matrix/Keybase/Telegram user name). Doing this can result in a penalty, should someone take your offer and request for you to be penalized. + +### Taking a CBM offer + +Make sure to check the offer maker's terms and conditions before taking a CBM offer. If you cannot fulfill the terms, do not take the the offer. If you have specific terms you would prefer, consider making your own offer instead. +Sending cash in the mail + +Please see the Haveno trade protocol for general trading rules. + +In addition, buyers should: + +- Package cash in a tamper-evident cash bag. +- Place tamper-evident cash bag inside a parcel. AVOID using an envelope where a postal worker would be able to feel a wad of cash as this can lead to stolen cash. +- Address the package to the name and address in the seller's cash-by-mail payment account. +- Put a return address in case the package cannot be delivered. +- Use inner and outer packaging addressed the same in case the outer one gets ripped open or damaged by water. +- Seal all packages well, with tape. +- Follow any special requirements and conditions set by the seller. +- Film or take high-resolution photos of the cash packaging process with the address and tracking number already affixed to packaging. +- Send the cash package to the XMR seller with a courier service that requires receipt of delivery to be confirmed by the seller. +- Consider using a courier service that has appropriate insurance in place for any issues with delivery (for example USPS Registered Mail that insures packages up to $50,000). +- Communicate with courier service as required. + +Please make sure you have all the necessary items arranged before taking an offer (tamper-evident cash bags, other packaging, courier and insurance picked out, etc). + +### When receiving cash in the mail, you should: + +- Film the opening of the package, making sure that the tracking number provided by the sender is visible in the video. +- Follow any special requirements and conditions set by the buyer. +- Communicate with buyer's courier service as required. + +### Dispute resolution + +- Cash-by-mail trades are less verifiable than other fiat trades. This makes handling disputes much harder, so the onus to act honestly is squarely on both peers. + +**It is highly recommended for peers to make use of Haveno's trader chat to communicate directly with one another. This is the most promising way to resolve any issues that may arise during the trade.** + +Regarding dispute resolution, please **Note:** +- Arbitrators can consider your case and make a suggestion, but they are NOT guaranteed to help. +- If a trader rejects an arbitrator suggestion, it could lead to lose both trading and deposit funds. +- Arbitrators will make a decision based on the evidence provided to them. Therefore, please follow and document the above processes to have evidence in case of dispute. For cash-by-mail trades, arbitrator decisions are final, meaning reimbursement requests to the Haveno's arbitrator team for any funds lost in cash-by-mail trades will NOT be considered. diff --git a/docs/the-project/payment-methods/Paysera.md b/docs/the-project/payment-methods/Paysera.md new file mode 100644 index 0000000..47a4e81 --- /dev/null +++ b/docs/the-project/payment-methods/Paysera.md @@ -0,0 +1,128 @@ +# Paysera + +Paysera is a multi-currency mobile payment provider and web app based in Lithuania. It providing standard banking services but it is not a registered bank. +- Currencies accepted: AUD, BGN, BYN, CAD, CHF, CNY, CZK, DKK, EUR, GBP, GEL, HKD, HRK, HUF, ILS, INR, JPY, KZT, MXN, NOK, NZD, PHP, PLN, RON, RSD, RUB, SEK, SGD, THB, TRY, USD, ZAR +- Trade window: 24 hours +- Signing required: No +- Haveno Limits: eg 12 XMR + +Paysera is an established multi-currency payment service that provides users with the option to trade in multiple currencies instantly for low fees with the functionality of a mobile and banking app. + +**Contents:**: +- 1 Where can I find out more about Paysera? +- 2 What countries are available for Paysera? +- 3 What currencies are available for Paysera? +- 4 What is the maximum trading duration for Paysera? +- 5 What is the maximum XMR limit for an Paysera trade? +- 6 Is Paysera a payment method that can be signed? +- 7 How do I set up a Paysera account? +- 8 How do I add Paysera as a payment method in Haveno? +- 9 How do I buy XMR with my Paysera account? +- 10 How do I sell XMR with my Paysera account? +- 11 Are there any limits for me to be aware of when using my Paysera account? +- 12 Are there any fees for me to be aware of when using my Paysera account? +- 13 How does dispute resolution when trading with Paysera? + +#### Where can I find out more about Paysera? + +Here is a list of Paysera resources: + +- [Paysera website](https://www.paysera.com/) +- [Paysera Fees](https://www.paysera.com/v2/en-GB/fees) +- [What is Paysera video](https://www.youtube.com/watch?v=5Bd1-xZjHMk) +- [work video](https://www.youtube.com/watch?v=Hgh_sYTeGIs) +- [Terms and conditions](https://www.paysera.com/v2/en-GB/legal/general-payment-service-agreement-for-private) + +#### What countries are available for Paysera? + +Multiple counties over 180+ ([see here a list of places where Paysera works](https://www.paysera.com/v2/en-GB/faq/where-paysera-works)) + +#### What currencies are available for Paysera? + +Multiple currencies (30+) Including: AUD, BGN, BYN, CAD, CHF, CNY, CZK, DKK, EUR, GBP, GEL, HKD, HRK, HUF, ILS, INR, JPY, KZT, MXN, NOK, NZD, PHP, PLN, RON, RSD, RUB, SEK, SGD, THB, TRY, USD, ZAR + +#### What is the maximum trading duration for Paysera? + +The maximum trade time is 1 day. Generally Paysera transfers will be completed instantly. + +#### What is the maximum XMR limit for an Paysera trade? + +12 XMR. + +#### Is Paysera a payment method that can be signed? + +No, Paysera accounts do not require signing. + +#### How do I set up a Paysera account? + +Vist the Paysera website to set up an account. You will need a Spanish bank account. + +#### How do I add Paysera as a payment method in Haveno? + +It is easy to add your Paysera account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Paysera +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Paysera - EUR - Jaan Tamm) +- Click save new account + +If you have more than one Paysera account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. + +#### How do I buy XMR with my Paysera account? + +You can buy XMR with Paysera on Haveno in 2 waysː + +- Make an offer to buy XMR on any currency market (available in Paysera) +- Take an offer to buy XMR on any currency market (available in Paysera) + +When the offer is confirmed Haveno will provide you with the XMR Sellers Paysera details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. + +#### How do I sell XMR with my Paysera account? + +You can sell XMR with Paysera on Haveno in 2 waysː + +- Make an offer to sell XMR on any currency market (available in Paysera). +- Take an offer to sell XMR on any currency market (available in Paysera). + +When the offer is confirmed Paysera will provide with the XMR Buyer with your Paysera details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. + +#### Are there any limits for me to be aware of when using my Paysera account? + +Paysera offers four levels of identification. The levels determine how much you can transfer daily, monthly and annually. You can move up in levels at any time for free, but you might need to provide additional information. +|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| +| Level | Description | +|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| +| 1 | Exchange currency, conduct internal Paysera transfers and make online purchases with your account up to a currency equivalent of 30 euros daily, 740 euros monthly and 2,500 euros annually. | +|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| +| 2 | In addition to Level 1 services, transfer to banks up to a currency equivalent of 370 euros daily, 1,110 euros monthly and 2,500 euros annually. | +|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| +| 3 | In addition to Level 2 services: | +| | Add the option of opening a Paysera Visa card or business account, transfer to international accounts and take care of e-commerce up to a currency equivalent of 1,480 euros daily, 1,480 euros monthly and 17,760 euros annually | +|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| +| 4 | Take advantage of services offered at all levels with no limits on how much you can send or receive. | +|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| + +#### Are there any fees for me to be aware of when using my Paysera account? + +Fees are competitively priced. Paysera offers a exchange rates that are typically within 1% of the mid-market rate for currency exchange. Payment between users is free. + +Withdrawals to banks are free or low cost. + +Paysera is also useful to send / receive SWIFT payments the fees are about 7 Euros. + +#### How does dispute resolution when trading with Paysera? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/Pix.md b/docs/the-project/payment-methods/Pix.md new file mode 100644 index 0000000..622ed8a --- /dev/null +++ b/docs/the-project/payment-methods/Pix.md @@ -0,0 +1,101 @@ +# Pix + +Pix is a new method of transferring BRL available in Brazil established by the Brazilian Central Bank. The recipient only needs to share a phone number, e-mail or Social Security Number. The advantage over the National Bank Transfer payment method is that the PIX works 24 hours a day, 7 days a week and the transfer takes place in a few minutes. + +**Contents:** + +- 1 What countries are available for Pix? +- 2 What currencies are available for Pix? +- 3 What is the maximum trading duration for Pix? +- 4 What is the maximum XMR limit for an Pix trade? +- 5 Is Pix a payment method that can be signed? +- 6 How do I set up a Pix account? +- 7 How do I add Pix as a payment method in Haveno? +- 8 How do I buy XMR with my Pix account? +- 9 How do I sell XMR with my Pix account? +- 10 Are there any limits for me to be aware of when using my Pix account? +- 11 Are there any fees for me to be aware of when using my Pix account? +- 12 How does dispute resolution when trading with Pix? + +#### What countries are available for Pix? + +Pix is only available in Brazil. + +#### What currencies are available for Pix? + +Pix only supports BRL. + +#### What is the maximum trading duration for Pix? + +The maximum trade time is 1 day. Generally Pix transfers will be completed within a few minutes. + +#### What is the maximum XMR limit for an Pix trade? + +12 XMR. + +#### Is Pix a payment method that can be signed? + +No, Pix accounts do not require signing. + +#### How do I set up a Pix account? + +Can be used with most Brazilian bank accounts. + +#### How do I add Pix as a payment method in Haveno? + +It is easy to add your Pix acount to Haveno: +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Pix +- Complete the details. +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Pix - BRL - Fulano de Tal) +- Click save new account + +If you have more than one Pix account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. +**Warning**, please make sure to include your chosen Pix Key. There are four types of keys: CPF (Natural Persons Register) or CNPJ (National Registry of Legal Entities), e-mail address, telephone number or a random key generated by the system called a universally unique identifier (UUID). A different key must be used for each Pix account your have. Individuals can create up to five keys for each account they own. + +When trading on Haveno, XMR Buyers should use their Pix Keys as the payment description so that it is easy for the XMR Sellers to identify the payment as coming from themselves. + +#### How do I buy XMR with my Pix account? + +You can buy XMR with Pix on Haveno in 2 waysː +- Make an offer to buy XMR on the BRL market. +- Take an offer to buy XMR on the BRL market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Pix details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please use your Pix Key. Otherwise just leave it blank and share your Pix Key in trader chat. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only the Pix Key provided in the XMR Seller's Haveno account. + +Please use your Pix Key as the payment reference so that it is easy for the XMR Seller to identify the payment as coming from yourself. + +#### How do I sell XMR with my Pix account? + +You can sell XMR with Pix on Haveno in 2 waysː + +- Make an offer to sell XMR on the BRL market. +- Take an offer to sell XMR on the BRL market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Pix details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, please check that the payment received description matches the Pix Key provided in the XMR Buyer's Haveno account. + +#### Are there any limits for me to be aware of when using my Pix account? + +None. + +#### Are there any fees for me to be aware of when using my Pix account? + +It is generally free to send and receive Pix payments. + +#### How does dispute resolution when trading with Pix? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/README.md b/docs/the-project/payment-methods/README.md new file mode 100644 index 0000000..abc4c4c --- /dev/null +++ b/docs/the-project/payment-methods/README.md @@ -0,0 +1,89 @@ +# Payment methods + +Haveno offers several payment methods to buy and sell monero for fiat currencies or other cryptocurrencies. + +Every offer on Haveno designates a payment method for traders to settle payments. The Haveno software does not actually integrate with any payment methods—all non-monero fund transfers are made outside of Haveno software. + +Unlike cryptocurrency transfers, many fiat payment transfers are riddled with flaws and limitations that require Haveno to employ special measures to encourage fair and honest trades. One of these measures is lower per-trade limits, which are covered below. Another key measure is account signing. + +**Contents:** +- 1 Fiat payment methods +- 1.1 Payment method guides +- 2 Altcoin payment methods + +#### 1. Fiat payment methods + +The payment methods vary in chargeback risk, regional availability, transaction size, fees, privacy, verifiability, and other characteristics. The top consideration for maintaining payment methods is chargeback risk. + +We welcome suggestions for new payment methods on Haveno, especially for those that enable new markets. Documentation on the criteria and process for adding new payment methods is found here. Please also feel free to make suggestions by reaching out on haveno-core's Matrix group. + +Below is a list of fiat payment methods Haveno currently supports. + +**Note:** The maximum trade sizes listed below are not available for most newly-created payment accounts. Please refer to Account signing for details on how to enable larger trade sizes for your payment accounts. + +#### 1.1 FIAT payment methods + +| Payment method | Region | Trading-period | Limit per trade | Notes | +|---------------------------|----------------------------------|----------------|-----------------------------|----------------------------------------------------------------------------------| +| [ACH](ACH.md) | USA | 5 days | 12.00 XMR | | +| Advanced Cash | Global | 1 day | 96.00 XMR | Not available in the USA. | +| Alipay | CHINA | 1 day | 48.00 XMR | | +| [Amazon eGift card](Amazon_eGift_card.md) | Global | 1 day | 12.00 XMR | Supported in USD, EUR, CAD, and a handful of other markets. | +| Australian PayID | AUSTRALIA | 1 day | 48.00 XMR | | +| [Bizum](Bizum.md) | Spain | 1 day | 1k€ | | +| [Capitual](Capitual.md) | Global (BRL, EUR, GBP, USD) | 1 day | 12.00 XMR | | +| CashApp | Global (GBP, USD) | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | | +| PayPal | Global | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | | +| [Pay by Mail](Pay_By_Mail.md) (Cash by mail) | Global | 8 days | 12.00 XMR | Please check the article and follow the instructions to avoid disputes. | +| Cash deposit | N/A | 4 days | 12.00 XMR | Ensure to follow Cash by Mail trade rules. | +| Domestic wire transfer | USA | 3 days | 12.00 XMR | +| [Face to Face (F2F)](F2F.md) | Global | 4 days | 48.00 XMR | See article for special guidance on F2F transactions. | +| [Faster Payments](Faster_Payments.md) | UK | 1 day | 12.00 XMR | See article for recent changes to avoid issues. | +| HalCash | Spain | 1 day | 48.00 XMR | +| [IMPS](IMPS.md) | India | 1 day | Rs. 200k per tx | +| [Interac e-Transfer](interac_e-transfer.md) | Canada | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | Interac-e-Transfer Autodeposits are not supported.| +| [Monese](Monese.md) | Europe (GBP, EUR and RON) | 1 day | 12.00 XMR | +| MoneyBeam (N26) | Europe | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | +| MoneyGram | Global | 4 days | buy: 24.00 XMR / sell: 24.00 XMR | +| National Bank Transfer | N/A | 4 days | buy: 3.00 XMR / sell: 12.00 XMR | +| [Nequi](Nequi.md)* | Colombia | 1 day | 7,000,000 COP | +| [NEFT](NEFT.md)* | India | 1 day | 12.00 XMR | +| [Paxum](Paxum.md)* | Global | 1 day | 12.00 XMR | +| [Paysera](Paysera.md)* | Global | 1 day | 12.00 XMR | +| [PayTM](PayTM.md)* | INDIA | 1 day | Rs. 5,000 | +| Perfect Money* | Global | 1 day | 48.00 XMR | +| [Pix](Pix.md)* | Brazil | 1 day | 12.00 XMR | +| Popmoney | USA | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | +| PromptPay* | Thailand | 1 day | 48.00 XMR | +| [Revolut](Revolut.md) | Global | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | See article for recent changes to avoid issues. | +| [RTGS](RTGS.md)* | INDIA | 1 day | 12.00 XMR | +| Satispay* | ITALY | 1 day | 12.00 XMR | +| [SEPA](SEPA.md) | Europe | 6 days | buy: 3.00 XMR / sell: 12.00 XMR | +| [SEPA Instant](SEPA.md) | Europe | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | +| Skrill* | Global | Varies | 12.00 XMR | +| [Strike](Strike.md)* | USA | 1 day | 12.00 XMR | +| [SWIFT](SWIFT.md)* | Global | 7 days | 24.00 XMR | +| Swish* | Sweden | 1 day | 48.00 XMR | +| Tikkie* | Netherlands | 1 day | 750 € | +| Transfer with Same Bank | N/A | 2 days | buy: 3.00 XMR / sell: 12.00 XMR | +| Transfer from Specific Banks | N/A | 4 days | buy: 3.00 XMR / sell: 12.00 XMR | +| [TransferWise](TransferWise.md)* | Global except USD trades | 4 days | 12.00 XMR | +| TransferWise-USD* | Global for USD trades | 4 days | 12.00 XMR | +| [US Postal Money Order](US_Postal_Money_Order.md)* | USA | 8 days | 12.00 XMR | Within USA, $1000 limit per transaction, up to $3000 per day without ID. | +| Uphold | Global | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | | +| [UPI](UPI.md)* | INDIA | 1 day | Rs. 100,000 | +| [Verse](Verse.md)* | Europe (EUR, SEK, HUF, DKK, PLN) | 1 day | 12.00 XMR | +| WeChat Pay* | CHINA | 1 day | 48.00 XMR | +| Western Union | Global | 4 days | 24.00 XMR | +| Zelle | USA | 4 days | buy: 3.00 XMR / sell: 12.00 XMR | See this page to see if/how your bank works with Zelle (including sending limits). | + +#### 2. Altcoin payment methods + +Haveno also supports a variety of cryptocurrencies for buying and selling Monero, like BTC, ETH, LTC, BCH. Because altcoin transfers are irreversible and relatively quick, altcoin trades can be up to 96 XMR in size right away (no need to wait for account aging or account signing). + +| Payment Method | Trading Period | Trade limit | +|-------------------------------|------------------|-------------| +| Altcoins | 1 Day | 96.00 XMR | +| Altcoins Instant | 1 Hour | 96.00 XMR | + +- Altcoins Instant trades go by fast! Please remember to disable Instant offers in **Portfolio > My Open Offers** if you might not be around to settle an Instant trade. diff --git a/docs/the-project/payment-methods/RTGS.md b/docs/the-project/payment-methods/RTGS.md new file mode 100644 index 0000000..fd771c9 --- /dev/null +++ b/docs/the-project/payment-methods/RTGS.md @@ -0,0 +1,122 @@ +# RTGS + +RTGS is a payment method added in Haveno + +Real-Time Gross Settlement (RTGS) is an electronic funds transfer system maintained by the Reserve Bank of India. RTGS payment enable immediate and large remittances (minimum of 200,000 INR) by banking customers in India to transfer funds for between any two RTGS enabled bank accounts. + +**Contents:** +- 1 Where can I find out more about RTGS? +- 2 What countries are available for RTGS? +- 3 What currencies are available for RTGS? +- 4 What is the maximum trading duration for RTGS? +- 5 What is the maximum XMR limit for an RTGS trade? +- 6 Is RTGS a payment method that can be signed? +- 7 How do I set up a RTGS account? +- 8 How do I add RTGS as a payment method in Haveno? +- 9 How do I buy XMR with my RTGS account? +- 10 How do I sell XMR with my RTGS account? +- 11 Are there any limits for me to be aware of when using my RTGS account? +- 12 Are there any fees for me to be aware of when using my RTGS account? +- 13 How does dispute resolution when trading with RTGS? + +#### Where can I find out more about RTGS? + +Here is a list of RTGS resources: + +- Real-Time Gross Settlement Wiki + +#### What countries are available for RTGS? + +RTGS is available users in India. + +#### What currencies are available for RTGS? + +RTGS supports INR currency. + +#### What is the maximum trading duration for RTGS? + +The maximum trade time is X days. Generally RTGS transfers will be completed within X days. + +#### What is the maximum XMR limit for an RTGS trade? + +12 XMR. + +#### Is RTGS a payment method that can be signed? + +No, RTGS accounts do not require signing. + +#### How do I set up a RTGS account? + +Pretty much all bank accounts in India can make RTGS payments. + +#### How do I add RTGS as a payment method in Haveno? + +It is easy to add your RTGS account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select RTGS +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: RTGS - INR - Aam Aadmi) +- Click save new account + +If you have more than one RTGS account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. +**Warning**, RTGS is for payments of large trades of Rs. 200,000 or over. + +When setting up your RTGS payment account please make sure to include your: + +- Account owner full name +- Account number +- IFSC number +- These details should match your bank account that you will use for sending / receiving payments. + +Please be aware there is a minimum trade amount of Rs. 200,000 that can be sent per transaction. If you are trading under this amount either the trade would get cancelled or both traders would have to agree on another payment method (eg IMPS or UPI). + +#### How do I buy XMR with my RTGS account? + +You can buy XMR with RTGS on Haveno in 2 waysː + +- Make an offer to buy XMR on the INR market. +- Take an offer to buy XMR on the INR market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers RTGS details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to the account details provided in Haveno. + +Please be aware there is a minimum trade amount of Rs. 200,000 that can be sent per transaction. If you are trading under this amount either the trade would get cancelled or both traders would have to agree on another payment method (eg IMPS or UPI). + +#### How do I sell XMR with my RTGS account? + +You can sell XMR with RTGS on Haveno in 2 waysː + +- Make an offer to sell XMR on the INR market. +- Take an offer to sell XMR on the INR market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your RTGS details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, please be aware there is a minimum trade amount of Rs. 200,000 that can be sent per transaction. If you are trading under this amount either the trade would get cancelled or both traders would have to agree on another payment method (eg IMPS or UPI). + +#### Are there any limits for me to be aware of when using my RTGS account? + +Minimum amount per transaction is Rs.200,000. + +Maximum of 1,000,000 INR can be sent per day. + +#### Are there any fees for me to be aware of when using my RTGS account? + +RTGS fees are low. Banks charge different amounts but fees are generally between 25-50 rupees. + +#### How does dispute resolution when trading with RTGS? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. + +For more information see dispute resolution. diff --git a/docs/the-project/payment-methods/Revolut.md b/docs/the-project/payment-methods/Revolut.md new file mode 100644 index 0000000..a9d6644 --- /dev/null +++ b/docs/the-project/payment-methods/Revolut.md @@ -0,0 +1,17 @@ +# Revolut +Revolut offers banking services in [various countries](https://www.revolut.com/help/getting-started/verifying-identity/what-countries-are-supported) with [various currencies](https://www.revolut.com/help/getting-started/adding-money-to-revolut). It is most heavily used in the EUR market, but has seen action in other markets increase as Revolut has expanded the markets it operates, representing a good chance for international payments and USD payments. Due to recurring issues with other banks, it's not possible to add a Revolut SEPA account or use it as "faster payments" at Haveno. This payment method is only for transfers between Revolut users. + +**Contents:**: +- 1 Creating the account in Haveno +- 2 Revolut username +- 3 Pay to username + +#### 1. Creating the account in Haveno +Setting up a Revolut account in Haveno. To create a Revolut payment account in Haveno, you need to input the country for your Revolut account, your revolut username, and the currencies that you wish to trade with the account. +Remember that none of this information can be modified once an account is created, and account signing data can be lost if not properly backed up. If you edit your username, a new Haveno account should have to be created, unsigned and with 0.01 XMR trading limits. + +#### 2. Revolut username +On the bottom of your Revolut app, tap the two arrows symbol in the middle. Then, under your real name, there's a @username. This is what should go into your account details, and what you should use to make a Revolut payment. Usernames are case-sensitive. + +#### 3. Pay to username +Revolut calls usernames "Revtags", and has a help center article called [How can I send money by Revtag ?](https://help.revolut.com/help/transfers/internal-transfers/username-payments/how-can-i-send-money-by-username) which explains how to send money to one. If that doesn't work, see [Why can’t I pay someone by Revtag?](https://help.revolut.com/help/transfers/internal-transfers/username-payments/why-cant-i-pay-someone-by-username) and make sure that "Payments with friends" is enabled. diff --git a/docs/the-project/payment-methods/SEPA.md b/docs/the-project/payment-methods/SEPA.md new file mode 100644 index 0000000..8cb6273 --- /dev/null +++ b/docs/the-project/payment-methods/SEPA.md @@ -0,0 +1,89 @@ +# SEPA Payment method + +- SEPA is a payment method added used in Haveno for buying and selling XMR for Euros (EUR). +SEPA is the most common way people in the EU send and receive payment to each other via their banks. Those payments usually take a couple of working days to complete, but can take up to 6 days depending on weekends / public holidays. + +****Contents:**:** +- 1 Where can I find out more about SEPA? +- 2 What countries are available for SEPA? +- 3 What currencies are available for SEPA? +- 4 What is the maximum trading duration for SEPA? +- 5 What is the maximum XMR limit for a SEPA trade? +- 6 Is SEPA a payment method that can be signed? +- 7 How do I set up a SEPA account? +- 8 How do I add a SEPA account as a payment method in SEPA? +- 9 How do I buy XMR with my SEPA account? +- 10 How do I sell XMR with my SEPA account? +- 11 Are there any limits for me to be aware of when using my SEPA account? +- 12 Are there any fees for me to be aware of when using my SEPA account? +- 13 How does dispute resolution when trading with SEPA? + +#### 1. Where can I find out more about SEPA? +Here is a list of SEPA resources: +- [SEPA Wikipedia Page](https://en.wikipedia.org/wiki/Single_Euro_Payments_Area) +- [SEPA regulator](https://www.europeanpaymentscouncil.eu/) + +#### 2. What countries are available for SEPA? +SEPA payments is available to most people in Europe. All EU users and some additional European countries. + +#### 3. What currencies are available for SEPA? +SEPA allows peer to peer payments of: +- Euros (EUR) + +#### 4. What is the maximum trading duration for SEPA? +The maximum trade time is 6 days. Generally SEPA payments will be completed within 2 working days. SEPA payments are usually not processed on Saturday, Sundays or bank holidays. + +#### 5. What is the maximum XMR limit for a SEPA trade? +12 XMR. + +#### 6. Is SEPA a payment method that can be signed? +Yes, SEPA payment accounts on Haveno require signing to lift limits to above 0.01 XMR. + +#### 7. How do I set up a SEPA account? +SEPA are supported by all EU based banks, some EU based payment providers as well as some non-EU European banks and payment providers. + +#### 8. How do I add a SEPA account as a payment method in SEPA? +It is easy to add your SEPA account to Haveno. +- Go to the top menu in SEPA and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select SEPA +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: SEPA - EUR - Jan Franco +- Click save new account + +Make sure all the details are correct when you add. Make sure to include both your Name as shown by the bank when you send payment (eg Jan Franco, or Franco. Jan), your IBAN and BIC number. +**Warning** Revolut SEPA accounts are not allowed on Haveno due to poor acceptance by other banks + +#### 9. How do I buy XMR with my SEPA account? +You can buy XMR with SEPA on Haveno in 2 waysː + +- Make an offer to buy XMR on the EUR market. +- Take an offer to buy XMR on the EUR market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers SEPA details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning** Please send payment only to the details provided by the XMR Seller in their Haveno account, and the payment description blank. + +#### 10. How do I sell XMR with my SEPA account? +You can sell XMR with SEPA on Haveno in 2 waysː +- Make an offer to sell XMR on the EUR market. +- Take an offer to sell XMR on the EUR market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your SEPA details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, XMR Sellers should expect to receive payment from the name shown in the XMR Buyer's Haveno account. Not all banks will show the IBAN and XMR number the payment came from but the name must match.** + +#### 11. Are there any limits for me to be aware of when using my SEPA account? +Limits are set by your bank. Check with your bank what the limits allowed are. Most limits are about €50,000 per day. There is no minimum limit. + +#### 12. Are there any fees for me to be aware of when using my SEPA account? +It is free to send and receive SEPA payments (as in the SEPA network itself do not charge fees to the operators). However, some banks might add changes to send or receive SEPA payments. If your bank has SEPA charges consider looking to open a new bank with fee free banking. + +#### 13. How does dispute resolution when trading with SEPA? +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/SWIFT.md b/docs/the-project/payment-methods/SWIFT.md new file mode 100644 index 0000000..a9668c6 --- /dev/null +++ b/docs/the-project/payment-methods/SWIFT.md @@ -0,0 +1,93 @@ +# SWIFT + + +SWIFT (international wire transfer) is a network that allows financial institutions worldwide to send and receive payments internationally in multiple currencies. + +Sender and receiver typically incur fees and payment times can also be slow (up to 7 days), but payments are secure and almost completely irreversible. + +See this table for up-to-date trade limits and signing requirements. + +**Contents:** +- Background +- Setting up the payment account +- Notes on buying XMR +- Send payment in correct currency +- Put an appropriate reason for payment +- Use the correct fee option +- Notes on selling XMR +- Understanding SWIFT fees + +#### Background + +Almost all banks have access to the SWIFT network. Some money transfer services also give users access to the SWIFT Network. + +In order to set up a SWIFT payment account in Haveno, you will need: + +- BIC/SWIFT code +- IBAN code + +Also ensure that you are aware of: + +- bank fees for sending and receiving SWIFT payments +- which currencies you can accept +- what the exchange rate would be in case conversion is necessary + +Policies vary by bank, and sometimes conversion fees are charged unexpectedly, so make sure you are aware of your bank's policies beforehand. + +#### Setting up the payment account + +When creating a new payment account for SWIFT, keep the following in mind: + +- Traders using SWIFT on Haveno could be anywhere in the world, so please fill all fields completely and accurately +- If you are not comfortable sharing your own address, provide the address of your bank + +**Note:** By default, Haveno sets up your SWIFT account to make and take offers from any country and any currency. This means SWIFT accounts on Haveno are able to trade on ALL fiat currency markets. The currency for a particular trade will always be specified by the maker in their offer. + +**Note:** if you transact in a currency that is not native to your bank account (as either maker OR taker), your bank may make you pay currency exchange fees. It is your responsibility to cover these fees. Please make 100% sure you're aware of what to expect before making or taking an offer. + +#### Notes on buying XMR + +You can buy XMR with SWIFT on Haveno in 2 waysː + +- Make an offer to buy XMR on a currency market of your choosing +- Take an offer to buy XMR on the currency market specified in the offer + +#### Send payment in correct currency + +The Monero buyer must send payment in the currency of the market on which the offer was made. For example, if you make an offer to buy XMR using SWIFT on the XMR/USD market you should send USD (or ensure your bank converts your local currency into USD). Alternatively, if you take an offer to buy XMR using SWIFT on the XMR/EUR market you must send EUR. + +Failure to send payment in the correct currency will result in a penalty for the XMR buyer of either (1) 5% of the trade amount or (2) the amount the receiver is missing in the specified currency as a result of the currency exchange (whichever is greater). + +#### Put an appropriate reason for payment + +In general, the reason for payment field should be left blank. + +Some users have reported instances in which an intermediary bank converts a payment's currency to the their own currency before converting back to the destination bank's local currency, and taking fees for doing this. + +If you don't want this to happen, consider making the SWIFT sender put "DO NOT CONVERT" in the comment field for the wire transfer (not the comment field of the Haveno payment account). This will only work if the recipient is able to handle multi-currency incoming SWIFT payments. + +#### Use the correct fee option + +SWIFT transfers for Haveno trades should use the SHA (SHAred) fee option. More on this below. + +#### Notes on selling XMR + +You can sell XMR with SWIFT on Haveno in 2 waysː +- Make an offer to sell XMR on a currency market of your choosing +- Take an offer to sell XMR on the currency market specified in the offer + +The XMR seller should receive the funds in the currency specified in the offer. For example, if you make an offer to sell XMR using SWIFT on the XMR/USD market, you will receive USD. Alternatively if you take an offer to sell XMR using SWIFT on the XMR/EUR market, you will receive EUR. + +Since SWIFT senders must use the SHA (SHAred) fee option for Haveno trades, sellers may incur fees on their end (see more below). Make sure you are aware of these fees before selling XMR using SWIFT. + +#### Understanding SWIFT fees + +When sending a SWIFT transfer the sender has three fee options to choose from: + +- BEN (BENeficiary) – payee (recipient of the payment) incurs all payment transaction fees. Typically, the recipient receives the payment minus the transaction fees. The payer (sender of the payment) does not pay any transaction fees. +- OUR – payer (sender of the payment) incurs all payment transaction fees. Normally you are billed separately for the payment transfer. The payee (recipient of the payment) does not pay any transaction fees. The beneficiary receives the full payment amount. +- SHA (SHAred) – payer (sender of the payment) pays all fees charged by the sending bank, which are billed separately. The payee (recipient of the payment) pays all fees charged by their receiving bank. The recipient receives the payment minus any applicable fees. + +Haveno requires buyers to use the SHA (SHAred) fee option for SWIFT transfers. If a XMR buyer sends a payment using the BEN (BENeficiary) fee option, they will likely incur a penalty to compensate the XMR seller. + +Please make sure you are aware of your bank's fee schedule for the SHA (SHAred) fee option. Normally it will be $5-25 USD equivalent, but every bank is different. diff --git a/docs/the-project/payment-methods/Satispay.md b/docs/the-project/payment-methods/Satispay.md new file mode 100644 index 0000000..106635e --- /dev/null +++ b/docs/the-project/payment-methods/Satispay.md @@ -0,0 +1,114 @@ +Satispay + + +Satispay' is a payment method added in Haveno. Satispay is an Italian mobile payment method linked to a bank account that can be used to transfer money easily using phone numbers. + +Here is a list of Satispay resources: + +- [Satispay website](https://satispay.com/) +- [Satispay Twitter](https://twitter.com/satispay/) + +**Contents:** + +- 1 What countries are available for Satispay? +- 2 What currencies are available for Satispay? +- 3 What is the maximum trading duration for Satispay? +- 4 What is the maximum XMR limit for an Satispay trade? +- 5 Is Satispay a payment method that can be signed? +- 6 How do I set up a Satispay account? +- 7 How do I add Satispay as a payment method in Haveno? +- 8 How do I buy XMR with my Satispay account? +- 9 How do I sell XMR with my Satispay account? +- 10 Are there any limits for me to be aware of when using my Satispay account? +- 11 Are there any fees for me to be aware of when using my Satispay account? +- 12 How does dispute resolution when trading with Satispay? + +#### What countries are available for Satispay? + +Satispay is only currently available in Italy. + +#### What currencies are available for Satispay? + +Satispay supports EUR as a currency. + +#### What is the maximum trading duration for Satispay? + +The maximum trade time is 1 day. Generally Satispay transfers are instant. + +#### What is the maximum XMR limit for an Satispay trade? + +12 XMR. + +#### Is Satispay a payment method that can be signed? + +No, Satispay accounts do not require signing. + +#### How do I set up a Satispay account? + +Download the Satispay app and get started. + +To create an account you will need an ID, the IBAN code of your bank account of a country where the SEPA scheme is available and an Italian tax code. + +#### How do I add Satispay as a payment method in Haveno? + +It is easy to add your Satispay account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Satispay +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Satispay - EUR - Mario Rossi) +- Click save new account + +Make sure all the details are correct when you add. +**Warning**, to use Satispay you need a bank account (IBAN) in Italy and to be registered for the service. + +Satispay account limits are individually set. If you want to trade increased amounts you will need to contact Satispay support to increase your limits. Traders on Haveno should be aware of their limits. If you trade over the above limits your trade might be cancelled and there could be a penalty. + + +#### How do I buy XMR with my Satispay account? + +You can buy XMR with Satispay on Haveno in 2 waysː + +- Make an offer to buy XMR on the EUR market. +- Take an offer to buy XMR on the EUR market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Satispay details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to the XMR Seller's mobile phone number as provided in Haveno. + +Satispay account limits are individually set. If you want to trade increased amounts you will need to contact Satispay support to increase your limits. Traders on Haveno should be aware of their limits. If you trade over the above limits your trade might be cancelled and there could be a penalty. + +#### How do I sell XMR with my Satispay account? + +You can sell XMR with Satispay on Haveno in 2 waysː + +- Make an offer to sell XMR on the EUR market. +- Take an offer to sell XMR on the EUR market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Satispay details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, please make sure your payment is received from the XMR Buyer's mobile phone number / name as provided in Haveno. + +Satispay account limits are individually set. If you want to trade increased amounts you will need to contact Satispay support to increase your limits. Traders on Haveno should be aware of their limits. If you trade over the above limits your trade might be cancelled and there could be a penalty. + +#### Are there any limits for me to be aware of when using my Satispay account? + +Account limits are individually set. If you want to trade increased amounts you will need to contact Satispay support to increase your limits: https://support.satispay.com/en/articles/increase-maximum-budget + +#### Are there any fees for me to be aware of when using my Satispay account? + +It is free for personal use to send and receive payments. For more info see: https://satispay.com/en-it/pricing/ + +#### How does dispute resolution when trading with Satispay? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. + +For more information see dispute resolution. diff --git a/docs/the-project/payment-methods/Strike.md b/docs/the-project/payment-methods/Strike.md new file mode 100644 index 0000000..c768a4d --- /dev/null +++ b/docs/the-project/payment-methods/Strike.md @@ -0,0 +1,157 @@ +Strike + +Strike is a payments application developed by Zap Solutions. Strike allowing users to send and receive USD instantly around the world, for free. Strike moves fiat by buying and selling Bitcoin in real time over the Lightning Network + +Users can use Strike to send and receive instant payments as well as buy and sell Monero. + +**Contents:** + +- 1 Where can I find out more about Strike? +- 2 What countries are available for Strike? +- 3 What currencies are available for Strike? +- 4 What is the maximum trading duration for Strike? +- 5 What is the maximum XMR limit for an Strike trade? +- 6 Is Strike a payment method that can be signed? +- 7 How do I set up a Strike account? +- 8 How do I add Strike as a payment method in Haveno? +- 9 How do I buy XMR with my Strike account? +- 10 How do I sell XMR with my Strike account? +- 11 Are there any limits for me to be aware of when using my Strike account? +- 12 Are there any fees for me to be aware of when using my Strike account? +- 13 How does dispute resolution when trading with Strike? + +#### Where can I find out more about Strike? + +Here is a list of Strike resources: + +- [Strike website](https://strike.me/) +- [Strike Twitter](https://twitter.com/ln_strike) +- [Strike Global (in development)](https://global.strike.me/en/) + +#### What countries are available for Strike? + +Strike is available only in the United States, and some states may not have access. + +#### What currencies are available for Strike? + +Strike currently only supports USD. + +#### What is the maximum trading duration for Strike? + +The maximum trade time is 1 day. Generally Strike transfers will be completed instantly. + +#### What is the maximum XMR limit for an Strike trade? + +12 XMR. + +#### Is Strike a payment method that can be signed? + +No, Strike accounts do not require signing. + +#### How do I set up a Strike account? + +Sign up at https://strike.me/ + +#### How do I add Strike as a payment method in Haveno? + +It is easy to add your Strike account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Strike +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Strike - USD - Jane Doe) +- Click save new account + +Make sure all the details are correct when you add. +**Warning**, please make sure to include your Strike username. + +In Haveno, Strike is used for fiat to fiat payments only. + +Please make sure you are aware of the Strike limits: + +Users who have registered with only their email, name, and phone number have the following limits: + +- $100 maximum per deposit +- $1,000 maximum total deposits per week +- $100 maximum per payment + +Users can increase their limits by providing Strike more information have the following limits: + +- $1,000 maximum per deposit +- $1,000 maximum total deposits per week +- $1,000 maximum per payment + +If you trade over the above limits your trade might be cancelled and there could be a penalty. + +#### How do I buy XMR with my Strike account? + +You can buy XMR with Strike on Haveno in 2 waysː + +- Make an offer to buy XMR on the USD market. +- Take an offer to buy XMR on the USD market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Strike details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to the XMR Seller's Strike username as provided in Haveno. + +The maximum trade size is $1,000 maximum per payment. + +If you trade over the above limits your trade might be cancelled and there could be a penalty. + +#### How do I sell XMR with my Strike account? + +You can sell XMR with Strike on Haveno in 2 waysː + +- Make an offer to sell XMR on the USD market. +- Take an offer to sell XMR on the USD market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Strike details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, please make sure your payment is received from the XMR Buyer's Strike username as provided in Haveno. + +The maximum trade size is $1,000 maximum per payment. + +If you trade over the above limits your trade might be cancelled and there could be a penalty. + +#### Are there any limits for me to be aware of when using my Strike account? + +New users can create an account by providing just the following: + +- Name +- Email +- Phone number + +To get higher limits >$100 users need to provide more information including: + +- Address +- Birthday +- Social Security Number +- Photos of their ID + +**Warning**, users who have registered with only their email, name, and phone number have the following limits: + +- $100 maximum per deposit +- $1,000 maximum total deposits per week +- $100 maximum per payment + +Users who increase their limits by providing more information have the following limits: + +- $1,000 maximum per deposit +- $1,000 maximum total deposits per week +- $1,000 maximum per payment + +#### Are there any fees for me to be aware of when using my Strike account? + +USD to USD is free. + +#### How does dispute resolution when trading with Strike? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/TransferWise.md b/docs/the-project/payment-methods/TransferWise.md new file mode 100644 index 0000000..19607e7 --- /dev/null +++ b/docs/the-project/payment-methods/TransferWise.md @@ -0,0 +1,65 @@ +# TransferWise +TransferWise (now Wise), is a suuported payment method + +TransferWise can be used in SEPA trades as well, where one peer uses SEPA and another uses TransferWise. This article discusses TransferWise-to-TransferWise trades, where both peers use TransferWise. + +TransferWise is a web- and app-based money transfer service that supports multiple currencies. TransferWise to TransferWise payments allow users to send payment from any supported currency to any other supported currency. Payments utilize the TransferWise multi-currency account. This is available for users in most countries. + +**Contents:**: +- 1 Setting up a TransferWise Account +- 2 Setting up a TransferWise Account in Haveno +- 3 Getting your TransferWise account ready for trading +- 4 Making payments with TransferWise + +#### 1. Setting up a TransferWise Account + +Set up an account. Go to TransferWise and register for an account. KYC will be required. + +#### 2. Setting up a TransferWise Account in Haveno + +Go to Account > National Currency Accounts in Haveno and select Add New Account. + +Enter the email address you have registered with TransferWise and the currencies you would like to make and take offers with. + +#### 3.Getting your TransferWise account ready for trading + +This section is primarily for XMR sellers using TransferWise. + +You can set up your account on the mobile app or on the web site. Screenshots are from the website. + +On the left click 'open a balance'. Choose the currency you would like to trade in and select Confirm. You can add as many currencies as you wish. + +The following currencies all come with local bank details as part of your TransferWise account (may differ depending on locations): + +- AUD +- EUR +- GBP +- NZD +- RON +- SGD + +If you are selling Monero on Haveno these accounts are useful as they allow you to trade with those currencies as they give you a recipient bank account that can be used to receive funds from the Buyer of Monero + +Click on recipients. This is where you set up where you want the money paid to. + +Click 'Add your bank account' and enter your bank account details (these can be your own bank details, or they can be the TransferWise local bank account details you have created). + +Once added click the down arrow next to the account and select 'make primary'. This means when someone pays you via TransferWise to TransferWise it will go into your primary bank account. + +NB: You need to have a primary bank account set up for each currency you wish to receive funds to on TransferWise. If you do not have a payment account set up the trader might not be able to send payment to you. If they are able payment will appear in your TransferWise balance for this currency. + +#### 4. Making payments with TransferWise + +This section is primarily for XMR buyers using TransferWise. Because of the way TransferWise payments are implemented in the Haveno trade protocol, the only information sellers have about buyers is their email address. +TransferWise has a useful guide about this in their [help section](https://transferwise.com/help/articles/2932105/can-i-send-money-to-someone-with-only-their-email-address). + +To set up a transfer to an email address, follow these steps: +- Start a transfer by clicking the Send money button +- At the recipient step, choose Someone else or Business or charity +- Untick the box next to I know their bank details +- Enter your recipient’s email and full name +- Pay for the transfer as usual + +You can then choose how you would like to pay. You can even pay by credit or debit card! + +On the case that the payment was made with a name different from the email address (which is allowed) and could create some confusion, the receiver could verify that the name of the XMR buyer is correct by writing his email on a new payment and see if the name matches the one he received it from. *Of course do not go through resending them any funds, there is no need in order to verify the name. diff --git a/docs/the-project/payment-methods/UBI.md b/docs/the-project/payment-methods/UBI.md new file mode 100644 index 0000000..22a6f2f --- /dev/null +++ b/docs/the-project/payment-methods/UBI.md @@ -0,0 +1,118 @@ +# UPI + +Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. This is an umbrella organization for operating retail payments and settlement systems in India. + +**Contents:** +- 1 Where can I find out more about UPI? +- 2 What countries are available for UPI? +- 3 What currencies are available for UPI? +- 4 What is the maximum trading duration for UPI? +- 5 What is the maximum XMR limit for an UPI trade? +- 6 Is UPI a payment method that can be signed? +- 7 How do I set up a UPI account? +- 8 How do I add UPI as a payment method in Haveno? +- 9 How do I buy XMR with my UPI account? +- 10 How do I sell XMR with my UPI account? +- 11 Are there any limits for me to be aware of when using my UPI account? +- 12 Are there any fees for me to be aware of when using my UPI account? +- 13 How does dispute resolution when trading with UPI ? + +#### Where can I find out more about UPI? + +Here is a list of UPI resources: +- Unified Payments Interface Wiki +- UPI video explainer +- UPI limits + +#### What countries are available for UPI? + +UPI is available users in India. + +#### What currencies are available for UPI? + +UPI supports INR currency. + +#### What is the maximum trading duration for UPI? + +The maximum trade time is 1 day. Generally UPI transfers will be completed instantly. + +#### What is the maximum XMR limit for an UPI trade? + +0.025 XMR. + +#### Is UPI a payment method that can be signed? + +No, UPI accounts do not require signing. + +#### How do I set up a UPI account? + +Pretty much all bank accounts in India can make UPI payments. + +#### How do I add UPI as a payment method in Haveno? + +It is easy to add your UPI account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select UPI +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: UPI - INR - Aam Aadmi) +- Click save new account + +If you have more than one UPI account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. +**Warning**, please make sure to include your Virtual Payment Address (VPA) also called your UPI ID. The format for this is like an email ID: with the sign “@” in the middle. For example, your UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.” For UPI there is a maximum limit of Rs. 100,000 that can be sent per transaction. If you intend to trade amount of over Rs. 100,000 per trade it is likely trades will have to take place over multiple transfers. Please note some banks have different limits for their customers. + +#### How do I buy XMR with my UPI account? + +You can buy XMR with UPI on Haveno in 2 waysː + +- Make an offer to buy XMR on the INR market. +- Take an offer to buy XMR on the INR market. + +In order to make a payment or transfer funds through UPI, you must have at least one of the following details about the beneficiary: + +Virtual Payment Address (VPA) also called UPI ID - The format is like an email ID: with the sign “@” in the middle. For example, your UPI ID could be “receiver’s_name@bank_name” or “phone_number@bank_name.” + +To send money to someone with a UPI ID, you only need to have your receivers UPI ID. You do not need their account number, account type, bank name, or IFSC code etc. When the offer is confirmed Haveno will provide you with the XMR Sellers UPI details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. +**Warning**, please send payment only to the VPA / UPI ID provided in Haveno. The maximum trade size is Rs. 100,000 per transaction. If your trade is over Rs. 100,000 you will have to make multiple transfers. Please note some banks have different limits for their customers. + +#### How do I sell XMR with my UPI account? + +You can sell XMR with UPI on Haveno in 2 waysː + +- Make an offer to sell XMR on the UPI market. +- Take an offer to sell XMR on the UPI market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your UPI details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, if you intend to receive over Rs. 100,000 per trade you should expect the buyer to have to make multiple transfers. Please note some banks have different limits for their customers. + +#### Are there any limits for me to be aware of when using my UPI account? + +Minimum payment is 1 INR per transaction. + +Maximum payment is 100,000 INR per transaction. + +Some banks have different limits for their customers. The above limits are set by the National Payments Corporation of India. + +#### Are there any fees for me to be aware of when using my UPI account? + +UPI fees are low. They are either free or no more then about 5 INR per transaction. + +#### How does dispute resolution when trading with UPI ? + +For UPI payments are made on a bank smart phone app. Screenshots / videos can be used if there are any disputes. + +SMS messages are also sent to payer and payee to confirm payment. These can also be used as evidence for any disputes. + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. \ No newline at end of file diff --git a/docs/the-project/payment-methods/US_Postal_Money_Order.md b/docs/the-project/payment-methods/US_Postal_Money_Order.md new file mode 100644 index 0000000..96ce204 --- /dev/null +++ b/docs/the-project/payment-methods/US_Postal_Money_Order.md @@ -0,0 +1,80 @@ +# US Postal Money Order + +US Postal Money Orders (USPMO) are one of the most private payment methods on Haveno, currently only available for use on Haveno within the United States. + +This article covers tips and tricks on using this payment method for buying and selling Monero on Haveno. + +**Contents:** +- Setting up a payment account in Haveno +- Buying the money order +- Sending a money order in the mail +- Redeeming a money order +- For cash +- For new USPMOs + +#### Setting up a payment account in Haveno + +To buy and sell Monero using US Postal Money orders, you will need to set up a corresponding payment account in Haveno. + +Things to keep in mind: + +- It is okay to use a fake name and address in a USPMO account on Haveno only if using the account will be used to buy Monero. This is because a USPMO is a bearer instrument—as long as the money order itself is valid, it doesn't matter who sent it or what the sender's address is. +- Consider using an online name generator (search "random name generator" on your favorite search engine) for a more bias-free suggestion for the sender's name. +- For the sender's address, you may want to be more careful, because if your envelope is returned, you'll want to be able to retrieve it. +- Option 1: Use an actual fake address (search internet for "random address generator"). If your envelope is returned for any reason, you'll probably lose it for good. +- Option 2: Use another address. That of a neighbor, a friend, or a nearby building (e.g., apartment leasing office, local mom-and-pop shop, etc). This way, you'll have a higher chance of retrieving a returned envelope, but you'll reveal a bit of information about your location. +- If selling, name and address must be correct (address must be correct in order to receive the envelope, and name must match photo ID to cash it). +- To maximize privacy, consider setting up 2 separate payment accounts: one with fake information for buying Monero and one with real information for selling Monero. + +Again, please note that incorrect information in Haveno payment accounts is generally against Haveno trade protocol. Buying Monero with USPMO is a rare exception. + +**Note:** Trading using US Postal Money Orders (USPMO) on Haveno requires that you understand the following: +- XMR buyers must write the XMR Seller’s name in both the Payer and the Payee’s fields & take a high-resolution photo of the USPMO and envelope with proof of tracking before sending. +- XMR buyers must send the USPMO to the XMR seller with Delivery Confirmation. + +In the event mediation is necessary, or if there is a trade dispute, you will be required to send the photos to the Haveno arbitrator or refund agent, together with the USPMO Serial Number, Post Office Number, and dollar amount, so they can verify the details on the US Post Office website. + +Failure to provide the required information to the arbitrator or Arbitrator will result in losing the dispute case. + +In all dispute cases, the USPMO sender bears 100% of the burden of responsibility in providing evidence/proof to the arbitrator or Arbitrator. + +If you do not understand these requirements, do not trade using USPMO on Haveno. + +#### Buying the money order + +It is highly recommended to use cash to buy the USPMO. Using any other electronic form of payment adds a form of tracking to the transaction, which can defeat the purpose of using the USPMO in the first place. + +If you're not buying more than $3,000 of money orders in a single day, the USPS does not require photo ID. If asked for ID, kindly remind your cashier that ID isn't required (perhaps you left it at home?). + +Also consider: + +- asking for a printed receipt, in case of a dispute on Haveno +- wearing sunglasses and/or a mask +- placing the USPMO out of sight upon receiving it, and filling it out elsewhere (away from cameras) + +#### Sending a money order in the mail +Figure 1. Extra paper for extra privacy in the envelope. + +Address the envelope as appropriate. + +When putting the money order in the envelope, consider adding a blank sheet of paper for an additional layer of privacy. Fold a blank sheet of paper in half twice (to form a “V” shape). Place the folded sheet in the envelope with the opening facing up. In between the “V” opening, place the USPMO (see Figure 1). This extra layer of paper makes it harder to see the envelope's content from the outside. + +After dropping your money order in the mail, don't forget to mark your payment as sent in Haveno! + +### Redeeming a money order + +#### For cash + +In order to redeem a money order for cash, you'll need to present photo identification that matches the name on the USPMO. + +Keep in mind that the cash you can receive may be limited to the amount of cash the cashier has in their drawer—to receive larger quantities of cash, you may need to go to different locations or go back at different times. + +One user has reported a workaround involving spreading the transaction to other counters at the post office: + +- The first time I visited the Post Office to "cash out" my money order someone sent me in Haveno, I think it was for the amount of $1,000 USD. The Teller told me she doesn't have that much money to help me redeem it. But then, instead of sending me away to my bank to deposit it there, she called out to her co-workers down the line, asking each of them how much each currently had in their drawer. Whereas she had (I forget the exact amounts now) maybe $200 in her drawer, the neighboring teller said she had $300 and the next Teller over said he had about $700. So, my Teller took my $1,000 money order, gave me the $200 in her drawer, printed me a new money order for the difference of $800, and sent me to see the next Teller. Then, that 2nd Teller accepted my $800 money order, gave me her $300 in her drawer, and printed me the difference of $500 as a new money order. Finally, the 3rd Teller used the $700 in his drawer to fully redeem my $500 money order. I had to hop three Tellers, one after another, paying the fee for each money order printed along the way, but I walked out of the Post Office with $1,000 cash in that one visit. + +#### For new USPMOs + +Another option is to redeem the USPMO you receive for another USPMO. Some cashiers will claim this isn't possible, but it is. Gently call a manager or colleague to help in case your cashier doesn't cooperate. + +Why redeem a USPMO for another USPMO? Because a USPMO is almost as good as cash—you can mail USPMO to billers to pay bills (without banks!), for example. diff --git a/docs/the-project/payment-methods/Verse.md b/docs/the-project/payment-methods/Verse.md new file mode 100644 index 0000000..02e3a9a --- /dev/null +++ b/docs/the-project/payment-methods/Verse.md @@ -0,0 +1,139 @@ +Verse + +Verse is a mobile payment app based in Europe owned by Square. Users can pay and request money from your friends. Payments are immediate and free. It is easy to use. Verse is multi currency, easy to use and payments are instant and free. + +Verse is designed for small payments between friends and family members. Fiat money you receive is stored in your Verse balance. From there you can send it to your friends’ digital wallets. When you want that money to be in your real world wallet, all you have to do is transfer it to your bank account. Withdrawals from Verse (sending to own account) take anywhere from a few seconds to two business days. + +Verse allows users to: +- Send money to their contacts listed in the contacts list on their mobile device. +- Request money from their contacts listed in the contacts list on their mobile device. +- Receive and withdraw payments made by other Users that have your mobile phone number saved in their contacts list. +- Payments via Verse card (if they have one) +- Withdraw cash using Verse card via ATM network (if they have one) + +Money can be added by debit / credit card. Verse accepts VISA and MasterCard. Withdrawals are made to your linked debit / credit card. + +Why Verse is like the European Cash App. It is multi currency, easy to use and payments are instant and free. + +**Contents:** +- 1 Where can I find out more about Verse? +- 2 What countries are available for Verse? +- 3 What currencies are available for Verse? +- 4 What is the maximum trading duration for Verse? +- 5 What is the maximum XMR limit for an Verse trade? +- 6 Is Verse a payment method that can be signed? +- 7 How do I set up a Verse account? +- 8 How do I add Verse as a payment method in Haveno? +- 9 How do I buy XMR with my Verse account? +- 10 How do I sell XMR with my Verse account? +- 11 Are there any limits for me to be aware of when using my Verse account? +- 12 Are there any fees for me to be aware of when using my Verse account? +- 13 How does dispute resolution when trading with Verse? + +#### Where can I find out more about Verse? + +Here is a list of Verse resources: + +- [Verse website](https://verse.me/) +- [Verse Twitter](https://twitter.com/joinverse/) +- [Verse T&Cs](https://verse.me/en/terms) +- [Verse FAQs](https://verse.me/en/faq/) + +#### What countries are available for Verse? + +Verse operates in the following countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Poland, Portugal, Slovakia, Spain, Sweden, and The Netherlands. + +#### What currencies are available for Verse? + +Verse supports the following currencies; EUR, SEK, HUF, DKK, PLN + +You can change between currencies in the your Verse account. Your default currency is decided by your phone number's country code. You can switch currencies every time you make a payment (the currency menu is right above the amount you are paying) and the change will be made immediately. + +There are no commissions when changing of currency, the current exchange rate (Visa mid-market) will be applied. + +#### What is the maximum trading duration for Verse? + +The maximum trade time is 1 day. Generally Verse transfers will be completed instantly. + +Users making withdrawals from Verse (sending funds to their bank account) should expect to wait anywhere from a few seconds to two business days (it depends on their bank). + +#### What is the maximum XMR limit for an Verse trade? + +12 XMR. + +#### Is Verse a payment method that can be signed? + +No, Verse accounts do not require signing. + +#### How do I set up a Verse account? + +Get the app from https://verse.me + +#### How do I add Verse as a payment method in Haveno? + +It is easy to add your Verse account to Haveno. + +- Go to the top menu in Haveno and select Account. +- Then select National Currency Accounts. +- Click add new account +- Select Verse +- Complete the details +- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Verse - Jan Janssen) +- Click save new account + +To send payment to someone you need there verse user name (similar to Revolut, it is created for you based on first and last name, some users have the option to change their username). + +If you have more than one Verse account you wish to add to Haveno you can create different accounts for each. + +Make sure all the details are correct when you add. +**Warning**, Verse is a multiple currency payment method that can send and receive payment in EUR, SEK, HUF, DKK, PLN. + +When setting up your Verse account in Haveno please make sure to include the username that matches your username in your Verse account. This will ensure that when you send funds they show from the correct account and when you receive funds they will be credited to your account. + +Verse users are limited to sending or receiving €10,000 per year (or equivalent foreign currency amount) for accumulated payments made from or received into their payment account. This can be increased by Verse on request. + +#### How do I buy XMR with my Verse account? + +You can buy XMR with Verse on Haveno in 2 waysː + +- Make an offer to buy XMR on the EUR, SEK, HUF, DKK, or PLN market. +- Take an offer to buy XMR on the EUR, SEK, HUF, DKK, or PLN market. + +When the offer is confirmed Haveno will provide you with the XMR Sellers Verse details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'. + +If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account. + +Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet. + + +**Warning**: Please send payment only to the username provided by the XMR Seller in their Haveno account. Please leave the payment description blank. + +Verse users are limited to sending or receiving €10,000 per year (or equivalent foreign currency amount) for accumulated payments made from or received into their payment account. This can be increased by Verse on request. + +#### How do I sell XMR with my Verse account? + +You can sell XMR with Verse on Haveno in 2 waysː + +- Make an offer to sell XMR on the EUR, SEK, HUF, DKK, or PLN market. +- l XMR on the EUR, SEK, HUF, DKK, or PLN market. + +When the offer is confirmed Haveno will provide with the XMR Buyer with your Verse details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'. + +Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back. +**Warning**, XMR Sellers should expect to receive payment from the username shown in the XMR Buyer's Haveno account. + +Verse users are limited to sending or receiving €10,000 per year (or equivalent foreign currency amount) for accumulated payments made from or received into their payment account. This can be increased by Verse on request. + +#### Are there any limits for me to be aware of when using my Verse account? + +€10,000 per year (or equivalent foreign currency amount) for accumulated payments made from or received into their payment account. Can be increased on request. + +#### Are there any fees for me to be aware of when using my Verse account? + +Free. For payment operations that involve currency conversion and currency exchange services, the exchange rate will be calculated based on the currency sale or purchase rates, as applicable, by Visa International + +#### How does dispute resolution when trading with Verse? + +If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame. + +The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount. diff --git a/docs/the-project/payment-methods/cash-by-mail-national.md b/docs/the-project/payment-methods/cash-by-mail-national.md deleted file mode 100644 index c708025..0000000 --- a/docs/the-project/payment-methods/cash-by-mail-national.md +++ /dev/null @@ -1,37 +0,0 @@ -``` -Title: Cash By Mail (national) - -Popularity: Very Popular -Complexity: High -Risk Factor (if trade protocol is respected): Low -Currencies: Every currency with cash -Region: Every country with a postal service delivery -Trading Period : 8 Days -How many trades of this type at once ? : NA -Description: Sending cash by mail in exchange for Monero - -Trade Protocol: (taken from https://localmonero.co/cash-by-mail-tips) - -Buyer steps: --Bob records himself taking the cash all the way to posting it. --Bob writes a note saying "i'm Bob, and i'm buying 0.5 Monero from Alice on Haveno, for 2x $10 bills, and 1x $5 bill, total $25", and puts it with the cash --Bob puts the cash (and note) into the following layers: -Cash -> Mylar bag cash disguise (ex: https://www.amazon.com/gp/product/B00967K3EQ) -> tamper proof bag -> 3x envelope layers with custom markings inside each layer -> Tracking envelope --Bob then posts the envelope at the posting office or at the mailing box --Bob gives Alice the tracking code / link so that she can see where the envelope currently is. --Bob declares that payment has been sent on haveno - -Seller steps: --Alice records herself taking the envelope from the mailbox to opening it. --Alice then confirms that she has recieved payment on haveno to release payment - -Arbitration scenarios: --Both Bob and Alice submit their recordings to the Arbitrator --If Alice tried to scam Bob, the arbitrator releases the security deposit for Bob --If Bob tried to scam Alice, the arbitrator releases the security deposit for Alice - -Associated risks: - --Package is seized / lost in the postal system --> neither bob nor alice are at fault here, so trade is canceled? -``` diff --git a/docs/the-project/payment-methods/interac_e-transfer.md b/docs/the-project/payment-methods/interac_e-transfer.md new file mode 100644 index 0000000..58cdae5 --- /dev/null +++ b/docs/the-project/payment-methods/interac_e-transfer.md @@ -0,0 +1,29 @@ +# Interac e-transfer + +As per [Interac's website](https://www.interac.ca/en/) Interac e-Transfer is "a fast, secure and convenient way to send money to anyone in Canada using online banking. The participating bank or credit union transfers the funds using established and secure banking procedures. Transfers are almost instant, but can take up to 30 minutes depending on your bank or credit union." For more information visit their [FAQ](https://www.interac.ca/en/consumers/support/faq-consumers/#) page. + +****Contents:**:** +- 1 Creating the account in Haveno +- 2 Using Interac e-Transfer for Haveno trades + +#### Creating the account in Haveno + +To create an Interac e-Transfer payment account in Haveno, Buyers and Sellers must add your full account name, email or mobile #, as well as a secret question and answer which is used to accept payments. + +Remember that none of this information can be modified once an account is created, and account signing data can be lost if not properly backed up. + +#### Using Interac e-Transfer for Haveno trades + +This payment method is very easy to use and will normally have a very fast turnaround time. + +#### If buying Monero with fiat: + +After accepting the trade and waiting for at least 1 blockchain confirmation (the more confirmations the safer) you would proceed to your Canadian bank account. From there (options and method may vary depending on financial institution) you would select Email Money. You must then create a new contact using your trading partners contact details (found in Haveno). Please make sure to never mention anything related to Monero since this may generate questions from your bank. When creating a new contact make sure the details match exactly, especially the secret question/answer and email, since this is the only way for your trading partner to claim the funds. Leave the message/description field blank unless you have agreed otherwise with your trading peer in trader chat. Ensure that you are sending the exact sum listed in Haveno. Once you've sent the transfer, you may click on Payment Started in Haveno. + +#### If selling Monero for fiat: + +After your trade has been accepted and your transaction confirmed, the taker will initiate the Interac e-Transfer. You may receive it within minutes, however you may take up to the trade time limit to accept it. Once you've accepted it you may click on Confirm Payment in Haveno to release the Monero. It is imperative that you confirm receipt in Haveno, otherwise the Monero will not be released and the trade may unnecessarily end up in mediation. + +#### Ease of use + +This payment method is very practical and streamlined, after you've set up an email contact for Interac e-Tranfers, subsequent trades with the same Haveno trading partner become extremely quick and easy. diff --git a/docs/the-project/payment-methods/sepa-instant.md b/docs/the-project/payment-methods/sepa-instant.md deleted file mode 100644 index 4456e87..0000000 --- a/docs/the-project/payment-methods/sepa-instant.md +++ /dev/null @@ -1,37 +0,0 @@ -``` -Title: SEPA Instant bank transfer - -Popularity: Very Popular -Complexity: Trivial -Risk Factor (if trade protocol is respected): High -Currencies: Every currency with cash -Region: EU countries -Trading Period : 1 Day -How many trades of this type at once ? : NA -Description: Exchanging monero for an instant european bank transfer - -Trade Protocol: - -Buyer steps: --Bob goes on his bank application, and sends the money to Alice's IBAN --Bob declares that he sent payment on Haveno - -Seller steps: --Alice recieves the money on her bank account --Alice then confirms that she has recieved on Haveno - -Arbitration scenarios: --Both Bob and Alice submit screenshots from their bank application --If Alice tried to scam Bob, the arbitrator releases the security deposit for Bob --If Bob tried to scam Alice, the arbitrator releases the security deposit for Alice - -Associated risks: - -a) Bob is not the owner of the account (identity fraud), hence Alice may get chargebacked after the trade has been concluded -b) Bob falsely accuses Alice of scamming them in some manner. Bob says he bought something and it never arrived hence Alice may get chargebacked after the trade has been concluded - -More details: -https://helpcenter.eversportsmanager.com/1-what-is-a-chargeback -https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2019-05/EPC173-14%20v5.0%20Guidance%20on%20Reason%20Codes%20for%20SDD%20R-transactions.pdf - -``` diff --git a/docs/the-project/payment-methods/sepa.md b/docs/the-project/payment-methods/sepa.md deleted file mode 100644 index eaade2b..0000000 --- a/docs/the-project/payment-methods/sepa.md +++ /dev/null @@ -1,36 +0,0 @@ -``` -Title: SEPA bank transfer - -Popularity: Very Popular -Complexity: Trivial -Risk Factor (if trade protocol is respected): High -Currencies: Every currency with cash -Region: EU countries -Trading Period : 6 Days -How many trades of this type at once ? : NA -Description: Exchanging monero for an instant european bank transfer - -Trade Protocol: - -Buyer steps: --Bob goes on his bank application, and sends the money to Alice's IBAN --Bob declares that he sent payment on Haveno - -Seller steps: --Alice recieves the money on her bank account --Alice then confirms that she has recieved on Haveno - -Arbitration scenarios: --Both Bob and Alice submit screenshots from their bank application --If Alice tried to scam Bob, the arbitrator releases the security deposit for Bob --If Bob tried to scam Alice, the arbitrator releases the security deposit for Alice - -Associated risks: - -a) Bob is not the owner of the account (identity fraud), hence Alice may get chargebacked after the trade has been concluded -b) Bob falsely accuses Alice of scamming them in some manner. Bob says he bought something and it never arrived hence Alice may get chargebacked after the trade has been concluded - -More details: -https://helpcenter.eversportsmanager.com/1-what-is-a-chargeback -https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2019-05/EPC173-14%20v5.0%20Guidance%20on%20Reason%20Codes%20for%20SDD%20R-transactions.pdf -``` diff --git a/docs/the-project/payments.md b/docs/the-project/payments.md deleted file mode 100644 index 672ba1e..0000000 --- a/docs/the-project/payments.md +++ /dev/null @@ -1,14 +0,0 @@ -``` -TEMPLATE FOR A LIST OF PAYMENTS PAGE: (inspired from bisq's payment methods page: https://bisq.wiki/Payment_methods) - -example path: docs/payment-methods.md - -Table columns: Payment Method, Region, Trading Period, Per-Trade limit ?, Risk Factor, Currencies, Popularity - -Ranking: based on Popularity (attract the users attention where most trades occur) - -Coloring: based on Risk Factor (do not recommend people to do face to face trades for instance) - -Entries: Cash By Mail (national), Cash by mail (international), SEPA instant transfer, Amazon eGiftcards, Face-to-Face(F2F), etc - -```