[bisq-network/growth] BOLETO as payment method for brazilian currency real (BRL) transactions (#199)

m52go notifications at github.com
Wed Oct 28 05:41:45 UTC 2020


I was really hoping for more feedback from someone more familiar with the market (@bisq-knight) but...I guess that's not happening.

Let's proceed and try to get Boleto into the next Bisq release.

Hopefully not too many questions...just need to know details to implement in code and inform mediators for handling disputes.

#### Payment account fields

Exactly what fields would be required for a user to create a new Boleto payment account in Bisq? 

>From your description, it seems the following is necessary:
* bank name
* full name
* street address

Are these 3 fields enough for a seller to create a barcode? Likewise, are these 3 fields enough for the buyer to verify the barcode isn't fraudulent?

#### Cash & Chargebacks

Is it possible to make a Boleto payment with anything other than cash? Bank/debit card, credit card, etc? You mentioned cash only, but I just want to be sure, since you can also pay a Boleto electronically with internet banking.

Are you sure there's no chargeback risk? What about cases of fraud? If a buyer claims they were defrauded to their bank, can the bank take any steps to get the money back from the other back?

I saw somewhere that a Boleto can be paid after the due date at the receiving bank. Is this accurate? Does it happen a lot? I guess your suggestion for a 7-day window includes a good amount of leeway anyway.

#### Verifying

Do Boleto payments show in bank statements? Is there any other way a buyer can prove they made the payment, and that a seller can prove they received a payment? Does seller receive any kind of email or receipt upon generating the Boleto? Does buyer receive receipt from teller/cashier?

#### Signing

If there is indeed no chargeback risk, Boleto should not require [signing](https://bisq.wiki/Account_limits#Account_signing) for buying or selling.

What should limits be? Is there any limit on how big a Boleto can be?

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