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Bisq - Interac e-Transfer Support / Case Study #1108

Open bieber-t-beaver opened 2 years ago

bieber-t-beaver commented 2 years ago

@pazza83 - documentation for the upcoming support call.

Bisq - Interac e-Transfer Case Study

Interac e-Transfer facts Bisq facts Case Study Suggestions and Observations

bieber-t-beaver commented 2 years ago

@pazza83 - any comments or feedback? Looking for guidance on how future issues should be addressed, since this may be a recurring problem.

pazza83 commented 2 years ago

Hi apologies for the late reply. I am going to do an wiki for the payment method.

Will take your points into consideration.

Many thanks

bieber-t-beaver commented 1 year ago

@pazza83 - I get penalized 20% for employing a security feature prescribed by the Banks and Interac.

Either you're complicit in the fraud, or ill informed on how the payment method works.

pazza83 commented 1 year ago

Hi @bieber-t-beaver

Following the recent mediation my proposal was for the following payout suggestion: BTC seller gets trade amount minus penalty 20%

I have removed the trade info and amount for privacy but here is the summary from the trade in question:

Rough time line of events:

  1. The seller informs the buyer their Interac account has the AutoDeposit feature enabled and acknowledges if the buyer banks doesn't support this feature the payment will not work.

  2. The buyer informs the seller in the chat they have sent payment and it has been refunded.

  3. The buyer then asks the seller to let them know the Interac password so they can try making payment again.

  4. The seller tells them they would prefer not to turn off the auto-deposit feature and do not provide the buyer with the information requested. Information that would be present anyway if they filled in all the payment info on Bisq Interac payment account.

  5. The buyer again trys to make payment, this is also returned

  6. The seller informs the buyer they can open mediation and request cancellation

  7. The seller opens mediation and says no payment has been received and request 20% compensations from the buyer's security deposit for them not making payment.

  8. The buyer provided proof of payment attempts to mediator.

  9. The buyer requests compensation for the seller not making it possible for them to pay them.

Seller has been previously informed the following from mediator; sellers cannot stipulate their own rules when in comes to bank payments, and should payment not be able to be made due to the imposed sellers rules, the buyer will be given the option of requesting compensation from their security deposit for the cancelled trade.

Proposing trade is cancelled and BTC buyer is compensated 20% of trade amount from seller's security deposit.

BTC buyer requested compensation for the trade not taking place.

Should you disagree you can take this case to arbitration: https://bisq.wiki/Dispute_resolution#Level_3:_Arbitration

To avoid future penalties it would be best to not require auto deposit as if the trade cannot take place then you will potentially lose your security deposit.

Maybe in future an 'Interac e-Transfer - Auto-Deposit' payment method could be added to offer users that wish to trade with the auto-deposit feature switched on. But for now I think it is best not to bifurcate the payment method.

I discussed the case in question with the support team, both on this occasion and the previous occasion mediation was required where you were informed seller's cannot stipulate their own rules when in comes to bank payments, and should payment not be able to be made due to the imposed seller's rules, the buyer will be given the option of requesting compensation from their security deposit for the cancelled trade.

I will create a wiki for the payment method to ensure all users can be pointed to the relevant info.

bieber-t-beaver commented 1 year ago

sellers cannot stipulate their own rules when in comes to bank payments, and should payment not be able to be made due to the imposed sellers rules, the buyer will be given the option of requesting compensation from their security deposit for the cancelled trade.

1) Following this brilliant piece of logic.... then, buyers too, cannot stipulate their own rules when in comes to bank payments, and should payment not be able to be made due to the imposed buyers rules, the seller will be given the option of requesting compensation from their security deposit for the cancelled trade. Why is the seller guilty of doing something that the buyer is doing precisely the same?!?

2) You've asserted in the mediation thread, that using the question / answer protocol, to use Interac is mandatory. This is simply FALSE, and affirms the lack of knowledge and depth of experience in your part. Please read the Interac documentation.

3) Thank you for offering to route this to Arbitration. Presenting the facts of the case to a person who lacks the experience or familiarity of the payment method's nuance would yield a different outcome? And, put additional funds at risk?

4) How were you able to authenticate the 'proof of payment'? I'm still in awe how persons with little or no cybersecurity or fraud background are presiding over material amounts of funds.

pazza83 commented 1 year ago

Here is the link to the Interac e-Transfer Bisq wiki:

https://bisq.wiki/Interac-e-Transfer

It makes clear that Interac-e-Transfer Autodeposits are not supported.

@bieber-t-beaver please feel free to create and issue for Interac-e-Transfer Autodeposits to be added as an additional payment method in the Growth repository: https://github.com/bisq-network/growth/issues