Bad SEPA instructions - payment reason field cannot be empty in my bank

[anon88391]

Bisq instructions clearly state that the payment reason field MUST be empty when sending a SEPA transfer. However, my bank does not allow the payment reason field to be blank. It requires at least a single character, but I wouldn't be surprised if other banks required more. According to the Table of Penalties, not leaving the field empty would most likely constitute "Using unagreed payment reference" and result in a 10% penalty for the buyer.

Please reevaluate and clarify the instructions, perhaps add a statement that when the field can't be empty it should be a dash ("-") character or just the name of the account owner.

[pazza83]

Hi @anon88391

Thanks for posting this.

The rules state:

If you are required to fill in a reason, use your account name eg "Joe Bloggs" alternatively enter something non-descriptive like a dash

Ref: https://bisq.wiki/Trading_rules#Leave_the_.22reason_for_payment.22_field_empty

Does this cover what you are asking for?

[anon88391]

@pazza83 In that case I think it should also be clarified in the Bisq client, because it does not mention this. Below is a screenshot of the only instructions that I got in Bisq client. It left me very confused because it was impossible for me to fully comply with them.

[pazza83]

Yes that is a good idea.

Are you able to send a full screenshot of the message?

Many thanks

[anon88391]

@pazza83 I wasn't able to provide a screenshot as I wasn't using Bisq until today, but the screenshot above contained most of the message. Today I took a screenshot of the message again (identifying information redacted), but it's mostly the same thing. I want to reiterate that the message sounds like a '-' payment reason would be unacceptable.

[pazza83]

Please would one of the devs be able to update the text above to add the following sentence after 'BTC' or Bisq'.

If you are required to fill in a reason, use your account name eg "Joe Bloggs" alternatively enter something non-descriptive like a dash

[github-actions[bot]]

This issue has been automatically marked as stale because it has not had recent activity. It will be closed if no further activity occurs. Thank you for your contributions.

[pazza83]

This still requires actioning

[kiocosta]

@pazza83 @anon88391 I opened a PR for this, lmk if you guys think that should be enough: https://github.com/bisq-network/bisq/pull/6974

[pazza83]

@kiocosta many thanks for picking this up