[bisq-network/growth] Add Paysera - Multi-currency payment method (#233)

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Sun Feb 14 23:28:07 CET 2021


## Paysera - Multi-currency

[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)
[How does Paysera 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)

### Background
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.

### Why
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.

### Region
Multiple counties over 180+ 

See here a [list of places where Paysera works](https://www.paysera.com/v2/en-GB/faq/where-paysera-works)

### Currencies
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

### Chargeback risk
Low the terms states:

>If Paysera becomes aware of an unauthorized Payment Transaction, Paysera shall return the amount of the unauthorized Payment Transaction to the Client and, where appropriate, restore the balance of the Account, from which the amount has been debited, to the point before the unauthorized transaction was carried out, except for the cases where Paysera has reasons to suspect fraudulent activity and reports these reasons to the supervisory authority. 
>
>In the event that Paysera has reasonable suspicion that the Client is engaged in fraudulent activities, at first the funds of the primary payers in the Account of the Client are frozen and, if the Client does not perform the necessary actions (complete an additional identification procedure, provide the requested documents) or provide a reasoned explanation of the specified case in time, the frozen funds may be returned to the primary payers. This measure is also applied in cases where Paysera has a law enforcement order to return frozen funds to the primary payer.



### Size of user base

Paysera has over 3 million users worldwide.


### Duration

Instant less than 5 seconds.


### Fees

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.

Swift payments are about 7 Euros.


### Fraud risk
Low


### Payment amounts
Within 0.25 BTC limit.

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 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.
- Level 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.
- Level 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.
- Level 4. Take advantage of services offered at all levels with no limits on how much you can send or receive


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