Merge pull request #1 from haveno-dex/master

add payment methods (haveno-dex#19)

docs/the-project/payment-methods/ACH.md

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+# ACH
+
+ACH Transfers are one of the main two bank transfer payment method in the the US. The other being Domestic Wire transfer.
+
+**Contents:**
+-- 1 What countries are available for ACH?
+-2 What currencies are available for ACH?
+-3 What is the maximum trading duration for ACH?
+-4 What is the maximum XMR limit for an ACH trade?
+-5 Is ACH a payment method that can be signed?
+-6 How do I set up a ACH account?
+-7 How do I add ACH as a payment method in Haveno?
+-8 How do I buy XMR with my ACH account?
+-9 How do I sell XMR with my ACH account?
+-10 Are there any limits for me to be aware of when using my ACH account?
+-11 Are there any fees for me to be aware of when using my ACH account?
+-12 How does dispute resolution when trading with ACH?
+
+#### What countries are available for ACH?
+
+ACH is available in the United States.
+
+#### What currencies are available for ACH?
+
+ACH only supports transfers of USD.
+
+#### What is the maximum trading duration for ACH?
+
+The maximum trade time is 5 days. Generally ACH transfers will be completed within 3 business days.
+
+#### What is the maximum XMR limit for an ACH trade?
+
+12 XMR.
+
+#### Is ACH a payment method that can be signed?
+
+No, ACH accounts do not require signing.
+
+#### How do I set up a ACH account?
+
+ACH Transfers should be possible with any checking account. You can check the fees charged by the banks for ACH Transfers to make sure you chose one with low fees.
+
+#### How do I add ACH as a payment method in Haveno?
+
+It is easy to add your ACH account to Haveno:
+- Go to the top menu in Haveno and select Account.
+- Then select National Currency Accounts.
+- Click add new account
+- Select ACH
+- Complete the details
+- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: ACH - Chase Bank - USD - Jane Doe)
+- Click save new account
+
+If you have more than one ACH account you wish to add to Haveno you can create different accounts for each.
+
+Make sure all the details are correct when you add.
+
+#### How do I buy XMR with my ACH account?
+
+You can buy XMR with ACH on Haveno in 2 waysː
+- Make an offer to buy XMR on the USD market.
+- Take an offer to buy XMR on the USD market.
+
+When the offer is confirmed Haveno will provide you with the XMR Sellers ACH details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'.
+
+If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account.
+
+Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet.
+
+#### How do I sell XMR with my ACH account?
+
+You can sell XMR with ACH on Haveno in 2 waysː
+
+- Make an offer to sell XMR on the USD market.
+- Take an offer to sell XMR on the USD market.
+
+When the offer is confirmed Haveno will provide with the XMR Buyer with your ACH details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'.
+
+Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back.
+
+#### Are there any limits for me to be aware of when using my ACH account?
+
+Your bank may impose limits of the amounts you can send / receive. You should check if your bank imposes any limits.
+
+#### Are there any fees for me to be aware of when using my ACH account?
+
+Fees charged by your bank for sending an ACH transfer can be anything from $0 - $0.30.
+
+Most banks will not be charge users fees for receiving an ACH transfer.
+
+ACH are are generally lower cost, but slower, than Wire Transfers.
+
+#### How does dispute resolution when trading with ACH?
+
+If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame.
+
+The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount.
+
+For more information see dispute resolution. 

docs/the-project/payment-methods/Amazon_eGift_card.md

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+Amazon eGift card
+
+Amazon eGift Cards are one of the more private payment methods on Haveno. They tend to be quick and convenient, but funds must be spent on Amazon.
+| | |
+|-|-|
+| Chargeback risk | Low |
+| Privacy protection | Very high |
+| Trade period | 24 hours (payment is immediate, as fast as an email) |
+| Regions | Countries listed below |
+| Amazon fees | No fees |
+| Verifiability | High |
+| Fraud risk | Low |
+
+**Contents:**
+
+- 1 Disambiguation
+- 2 Regional Availability
+- 3 Adding as Payment Account in Haveno
+- 4 Buying Monero with an Amazon eGift Card
+-  4.1 Step 1. Log in to Amazon
+-  4.2 Step 2. Customize eGift card
+-  4.3 Step 3. Make Payment
+-  4.4 Step 4. Seller Gets Notification
+- 5 See also
+
+#### Disambiguation
+
+Amazon eGift cards are bought on the Amazon website using your account, and sent electronically to the recipient, not the paper vouchers that contain a visible code, and that you can buy at shops for cash. We understand the latter are more private because there is no name attached to the payment, but they also come with risks, namely:
+
+- no payment proof: the seller can claim the code was already spent on receipt, and neither the buyer nor the arbitrator have any means to ascertain either way
+- illicit origin: code vouchers could be obtained through scams, and the recipient account could get the balance erased as a result, and his Amazon account banned
+
+For these reasons, Haveno only allows for eGift cards.
+
+#### Regional Availability
+
+Amazon eGift Cards are available in the following regions:
+
+|Country   |   Currency  |  Website                         |
+|----------|-------------|----------------------------------|
+|Australia | AUS | https://www.amazon.com.au |
+|Canada | CAD | https://www.amazon.ca |
+|Europe | EUR | Multiple websites (.fr, .de, etc)|
+|United Kingdom | GBP | https://www.amazon.co.uk |
+|India | INR | https://www.amazon.in |
+|Japan | JPY | https://www.amazon.co.jp |
+|Saudi Arabia | SAR | https://www.amazon.sa |
+|Sweden | SEK | https://www.amazon.se |
+|Singapore | SGD | https://www.amazon.sg |
+|Turkey | TRY | https://www.amazon.com.tr |
+|United States | USD | https://www.amazon.com |
+
+
+#### Adding as Payment Account in Haveno
+
+To add Amazon eGift Cards as a payment method in Haveno, go to Account > National Currency Accounts > Add New Account, and then select 'Amazon eGift Card' in the drop-down.
+**Note:**
+	You can trade across currencies by creating Amazon eGift Card payment accounts in Haveno for each currency you wish to trade in, and then purchasing gift cards from the website corresponding to the region for that currency to settle trades.
+
+Amazon eGift Cards can only be redeemed on the website they were purchased from. For example, to redeem a gift card on Amazon.jp, it must have been purchased on Amazon.jp. See more details on Amazon's product page.
+
+You can fill in an email address or a phone number:
+
+- Which one you pick (email address or phone number) only affects how the Monero seller will receive the eGift Card (i.e., via email or text message)
+- The phone number or email address provided here does not need to be linked to your Amazon account. Once the Monero seller has received the eGift Card, they can add it to any Amazon account.
+
+#### Creating an Amazon eGift card payment account in Haveno.
+
+
+#### Buying Monero with an Amazon eGift Card
+
+#### Step 1. Log in to Amazon
+
+First, log in to the Amazon website you'll be buying the eGift card on. If trading a currency used on multiple Amazon sites (e.g. EUR currency has amazon.de, amazon.it, amazon.es, etc), please confirm with your peer (through trader chat) which site should be used to purchase the gift card. You should be able to use your existing Amazon account to log in to any Amazon site (e.g. you can sign in to amazon.de using an account created on amazon.com).
+#### Step 2. Customize eGift card
+
+It's recommended to customize the eGift Card to reduce the chances the gift card is seen as suspicious. Feel free to customize the card design, message, etc. Just remember not to include anything about Haveno or Monero anywhere.
+
+- Amount: Choose the amount of fiat to send that matches your trade amount. It is recommended to do multiple gift cards of 100 USD or less, as Amazon can consider gift cards of higher amounts to be fraudulent.
+- Delivery: Email address or phone number of the seller
+- To: eGift recipient information as prompted in the Haveno trade.
+- Message: This should be left blank. If you would like to use anything other than a blank message make sure to use trader chat to confirm it with your trading peer. If not a message has been confirmed please leave blank.
+
+Customize your gift card.
+
+
+#### Step 3. Make Payment
+
+After your card is ready go, you just have to pay for it! Amazon accepts debit and credit cards, but you cannot pay for an eGift card with another eGift card (or any other Amazon credit balance).
+
+**Note:** your payment details will NOT be shared with the Seller. The only information they will see is the information you entered to customize the gift card in step 2.
+
+After paying, you'll receive an email receipt from Amazon—make sure you keep this email in case of any issues!
+
+Then make sure you mark your payment as sent in Haveno.
+
+#### Step 4. Seller Gets Notification
+
+Once the buyer sends the gift card, the seller will receive an email or SMS message letting them know about their gift card.
+**Note:** If the seller didn't receive a notification, you can have Amazon send another notification (email or SMS) from the Recent Orders section on Amazon.
+
+Upon checking the payment (making sure it's the right amount etc), the seller must confirm the payment in Haveno to complete the trade.
+
+Optionally, the seller can also acknowledge the gift card through Amazon, which would send the buyer an email letting them know the seller has received their gift card. 

docs/the-project/payment-methods/Bizum.md

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+# Bizum
+
+Bizum is a mobile payment provider service based in Spain. Bizium is a result of the collaboration of almost all of the Spanish banks to create a system of instant payments between individuals and shopping in stores.
+
+**Contents:**
+- 1 Where can I find out more about Bizum?
+- 2 What countries are available for Bizum?
+- 3 What currencies are available for Bizum?
+- 4 What is the maximum trading duration for Bizum?
+- 5 What is the maximum XMR limit for an Bizum trade?
+- 6 Is Bizum a payment method that can be signed?
+- 7 How do I set up a Bizum account?
+- 8 How do I add Bizum as a payment method in Haveno?
+- 9 How do I buy XMR with my Bizum account?
+- 10 How do I sell XMR with my Bizum account?
+- 11 Are there any limits for me to be aware of when using my Bizum account?
+- 12 Are there any fees for me to be aware of when using my Bizum account?
+- 13 How does dispute resolution when trading with Bizum?
+
+#### Where can I find out more about Bizum?
+
+Here is a list of Bizum resources:
+
+- [Bizum website](https://bizum.es/)
+- [Bizum Wiki](https://es.wikipedia.org/wiki/Bizum)
+- [Bizum FAQs](https://es.wikipedia.org/wiki/Bizum)
+
+#### What countries are available for Bizum?
+
+You need is a bank account (IBAN) in Spain with any of the entities which offer the service and a mobile phone number.
+
+The Bizum service is not yet available for bank accounts outside Spain. Insofar as the telephone is concerned, Bizum has no restrictions, reason why it would not be a problem to make a Bizum to foreign mobile phone numbers which have a Spanish bank account associated with those phone numbers.
+
+#### What currencies are available for Bizum?
+
+Bizum supports EUR currency.
+
+#### What is the maximum trading duration for Bizum?
+
+The maximum trade time is 1 day. Generally Bizum transfers will be completed instantly (less than 10 seconds).
+
+#### What is the maximum XMR limit for an Bizum trade?
+
+12 XMR.
+
+#### Is Bizum a payment method that can be signed?
+
+No, Bizum accounts do not require signing.
+
+#### How do I set up a Bizum account?
+
+Vist the Bizum website to set up an account. You will need a Spanish bank account.
+
+#### How do I add Bizum as a payment method in Haveno?
+
+It is easy to add your Bizum account to Haveno.
+
+- Go to the top menu in Haveno and select Account.
+- Then select National Currency Accounts.
+- Click add new account
+- Select Bizum
+- Complete the details
+- Choose to use a custom account name this helps makes it easier for you to manage multiple payment methods in Haveno (this will be visible only to you, for example: Bizum - EUR - Fulano de Tal)
+- Click save new account
+
+If you have more than one Bizum account you wish to add to Haveno you can create different accounts for each.
+
+Make sure all the details are correct when you add.
+
+#### How do I buy XMR with my Bizum account?
+
+You can buy XMR with Bizum on Haveno in 2 waysː
+
+- Make an offer to buy XMR on the EUR market.
+- Take an offer to buy XMR on the EUR market.
+
+When the offer is confirmed Haveno will provide you with the XMR Sellers Bizum details for you to complete the payment. You should send payment immediately and confirm you have done so in Haveno by clicking 'payment started'.
+
+If you have the option to include a payment reference please leave it blank. If your bank requires one, please just use your name that matches your bank account.
+
+Once the XMR Seller receives your payment they will confirm in Haveno and your security deposit and your purchased trade amount will be available in your wallet.
+
+#### How do I sell XMR with my Bizum account?
+
+You can sell XMR with Bizum on Haveno in 2 waysː
+
+- Make an offer to sell XMR on the EUR market.
+- Take an offer to sell XMR on the EUR market.
+
+When the offer is confirmed Haveno will provide with the XMR Buyer with your Bizum details for you to complete the payment. They should send payment at their first opportunity and confirm they have done so in Haveno by clicking 'payment started'.
+
+Once you receive payment from the XMR Buyer you should confirm payment has been received in Haveno. One you have done this the XMR Buyer will receive their funds and you will receive your security deposit back.
+
+#### Are there any limits for me to be aware of when using my Bizum account?
+
+Can be used for amounts between 0.50 and 1000 Euros per payment
+
+The maximum amount of transactions you can receive using Bizum is 2000 Euros per day.
+
+- Minimum amount per operation: €0.50
+- Maximum amount per operation: €1,000
+- Amount of operations received per client per day: €2,000
+- Number of operations issued and received by a client in a month: 150 operations
+- Maximum number of recipients to be included in a multiple request/remittance: 30 recipients
+- Duration of pending remittance to a Non-Client: 2 days
+- Duration of the pending request to a Non-Client: 7 days
+
+Each bank however may establish its own limits, within these limits, for its clients.
+
+#### Are there any fees for me to be aware of when using my Bizum account?
+
+It is free to send and receive with Bizum.
+
+#### How does dispute resolution when trading with Bizum?
+
+If a dispute occurs the arbitrator may ask the buyer to send them information showing that they made the payment of the correct amount to the XMR Seller within the correct time frame.
+
+The arbitrator may ask the seller to send them information to prove their account details are correct, or in the case of the XMR Buyer making a payment late, or of the wrong amount.
+
+For more information see dispute resolution.