[bisq-network/roles] Payment Method Maintainer (#38)

Tue Mar 2 02:53:32 CET 2021

# Cycle 22 Report

I have now pretty much completed making Github proposals for all the new payment methods proposed. 

## What payment methods where considered for inclusion:

All payment methods suggested by Bisq users for inclusion have been considered. Also considered for inclusion were the top 30 payment methods used by other P2P exchanges (Bisq had about half of them already in place so I considered the other half Bisq did not have implemented).

The only payment methods yet to be considered are 4 Russian payment methods that other P2P exchanges in Russia were using. However I posted a Reddit thread [here](https://www.reddit.com/r/bisq/comments/lokvza/any_bisq_users_from_russia_here/) and it does not appear to me much, if any, Russian Bisq users. Therefore, I will discount these for the moment. 

## What payment methods have been dismissed:

The following payment methods have been dismissed for inclusion. I might reconsider them in 2022.

- ApplePay
- Boleto
- CashU
- Chipper
- Curve
- Gold Avenue
- Google Pay Send
- Monzo
- Neteller
- OkPay
- Payeer
- Pingit
- PostePay
- Ria Money Transfer
- Venmo
- WebMoney
- Wirex

## What payment are being considered for inclusion:

The following payment methods are being considered for inclusion:

### Multi-Currency Payment Methods

- [Paxum](https://github.com/bisq-network/growth/issues/235)
- [Jeton](https://github.com/bisq-network/growth/issues/234)
- [Paysera](https://github.com/bisq-network/growth/issues/233)
- [Skrill](https://github.com/bisq-network/growth/issues/232)
- [CelPay](https://github.com/bisq-network/growth/issues/231)
- [WorldRemit](https://github.com/bisq-network/growth/issues/230)

### Indian Payment Methods

- [NEFT](https://github.com/bisq-network/growth/issues/236)
- [RTGS](https://github.com/bisq-network/growth/issues/237)
- [UPI](https://github.com/bisq-network/growth/issues/225)
- [PayTM](https://github.com/bisq-network/growth/issues/226)
- [IMPS](https://github.com/bisq-network/growth/issues/224)

### African Payment Methods

- [M-Pesa](https://github.com/bisq-network/bisq/issues/5022)

### US Payment Methods

- [ATH Movil](https://github.com/bisq-network/growth/issues/238)
- [TransferWise (USA)](https://github.com/bisq-network/growth/issues/217)
- [Strike](https://github.com/bisq-network/growth/issues/220)
- [Domestic Wire Transfer](https://github.com/bisq-network/growth/issues/218)
- [ACH](https://github.com/bisq-network/growth/issues/219)

### European Payment Methods

- [Bizum](https://github.com/bisq-network/growth/issues/222)
- [Monese](https://github.com/bisq-network/growth/issues/227)
- [Satispay](https://github.com/bisq-network/growth/issues/213)
- [Verse](https://github.com/bisq-network/growth/issues/223)
- [iDeal](https://github.com/bisq-network/proposals/issues/244)

### Colombian Payment Methods

- [Efectly](https://github.com/bisq-network/growth/issues/192)
- [Daviplata](https://github.com/bisq-network/growth/issues/194)
- [Nequi](https://github.com/bisq-network/growth/issues/193)

### Brazilian Payment Methods

- [CapCode](https://github.com/bisq-network/growth/issues/215)
- [PIX](https://github.com/bisq-network/growth/issues/208)

### Gift Voucher Payment Methods

- [BitRefill](https://github.com/bisq-network/growth/issues/239)

It would be great if anyone would like to give feedback on any of the above. 

## Next steps for payment method inclusions:

My plan for the next month or two is to get users feedback on all the above before prioritizing for addition. I think I will batch them in the order they are above.

First priority will be multi-currency as this can benefit more people at once. After that I am keen to action the payment methods that can be used by people in India. With the recent regulatory complicating the purchase of cryptocurrencies in India it will be great to see how Bisq can help increase peoples access to fiat <> BTC gateways. Lessons learnt can be applied to new regions that become faced with similar challenges.

I would like a decision on whether or not to add the above payment methods to be decided my end of May 2021 at the latest.

I am not planning on considering anymore payment methods until all the above have been completed. My focus will now move to be on the proposed and existing payment methods.

## Update existing payment methods at the latest.

I have liaised with devs to assist with the following updates to existing payment methods that have been included since the last cycle: 

- [Specify Amazon eGift Card country](https://github.com/bisq-network/bisq/pull/5117)
- [Add four SEPA payment account countries: AD, SM, VA, JE](https://github.com/bisq-network/bisq/pull/5123)
- [Add a 'payment method details' screen](https://github.com/bisq-network/bisq/pull/5052)
- [Change rule for 'reason for payment' field to not use trade ID but leave it empty](https://github.com/bisq-network/bisq/pull/5080)
- [Change trade period for TransferWise from 1 day to 4 days](https://github.com/bisq-network/bisq/pull/5016)

Other changes to existing payments methods are in progress. Issues can be seen [here](https://github.com/users/pazza83/projects/3).

## Keybase #buy-bitcoin

I am monitoring the new channel and next cycle I plan to push its use before looking to discuss how a burning BSQ, bonding BSQ, or other methods could give both revenue to the DAO and a safer user experience. Still to do for the channel are:

- Complete Wiki
- Post pinned message to buy-bitcoin KeyBase channel
- Come up with a way to make trusted sellers (BSQ Bond/Burn)
- Come up with a way for buy-bitcoin KeyBase channel to be revenue producing for Bisq
- Consider how / if BSQ can or should be sold in a similar way #308
- Promote channel on more user touchpoints; social media, wiki payments methods page, Bisq software etc

## TransferWise problems and removing Trade IDs

This has now been actioned. I know it was a little controversial but from my experience it has been a much needed and positive improvement.  I am not aware of any issues that have resulted from Trade IDs being removed from payment references.

## Liaising with Mediators

I have had three weekly calls as part of the support role which have helped me understand a little more about how the dispute process / system works for mediators. This has been really useful.

## Promote new payment methods on various channels

I am still to action this.

## Wiki

I am planning to create wikis for all existing payment methods. Hopefully this will make it easier for new users.

## Payment method volume/ KPIs

I have not started to build this into my process yet.

## Future tasks

These are some of the other things I am yet to action:

- Complete analysis of existing payment methods and can see some are under utilized. I would like to make sure this is not due to lack of understanding / marketing of the specific payment methods.

- Check changes and updates against the proposal I made to [Fix various 'account management' usability issues in the Bisq client to optimize for traders with multiple fiat and altcoin accounts ](https://github.com/bisq-network/bisq/issues/4837)' 

## Other comments

I feel like I have now organized what needs doing. Next job is to action it :)

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