<p>I had a look through the attached logfile earlier. It appears that the issue is due to an inconsistency between the way <code>bisq.core.payment.ReceiptValidator</code> checks for a match between offer-taker bank account types (as used by the Offer Book & Take Offer views) and the validation later done in the constructor of <code>bisq.core.trade.Contract</code>. The latter is causing an error at the other end, as seen in the logfile:</p>
<blockquote>
<p>Nov-12 19:45:19.885 [JavaFX Application Thread] WARN  b.c.t.p.TradeProtocol: Received AckMessage with error state for InputsForDepositTxRequest from iocd6eflopmyvjkf.onion:9999 with tradeId 0c8skf-0656b80f-90b7-4a8b-9db5-aaef284cd632-123 and errorMessage=An error occurred at task: MakerCreateAndSignContract<br>
Exception message: payment methods of maker and taker must be the same.<br>
makerPaymentMethodId=SAME_BANK<br>
takerPaymentMethodId=NATIONAL_BANK</p>
</blockquote>
<p>(It's not clear exactly why the taker is presented with a timeout error message, however.)</p>
<p>The validation done by <code>Contract</code> is stricter, as seen by the lines:</p>
<blockquote>
<p><code>        String makerPaymentMethodId = makerPaymentAccountPayload.getPaymentMethodId();</code><br>
<code>        String takerPaymentMethodId = takerPaymentAccountPayload.getPaymentMethodId();</code><br>
<code>        // For SEPA offers we accept also SEPA_INSTANT takers</code><br>
<code>        // Otherwise both ids need to be the same</code><br>
<code>        boolean result = (makerPaymentMethodId.equals(PaymentMethod.SEPA_ID) && takerPaymentMethodId.equals(PaymentMethod.SEPA_INSTANT_ID)) ||</code><br>
<code>                makerPaymentMethodId.equals(takerPaymentMethodId);</code><br>
<code>        checkArgument(result, "payment methods of maker and taker must be the same.\n" +</code><br>
<code>                "makerPaymentMethodId=" + makerPaymentMethodId + "\n" +</code><br>
<code>                "takerPaymentMethodId=" + takerPaymentMethodId);</code></p>
</blockquote>
<p>The restriction that both payment method IDs are identical (except for SEPA offers) should possibly be relaxed to match the logic done in <code>ReceiptValidator</code>, which allows <em>SAME_BANK</em> offers to be taken by <em>NATIONAL_BANK</em> account holders when the country and bank IDs match.</p>

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