Payment methods
Haveno offers several payment methods to buy and sell monero for fiat currencies or other cryptocurrencies.
Every offer on Haveno designates a payment method for traders to settle payments. The Haveno software does not actually integrate with any payment methods—all non-monero fund transfers are made outside of Haveno software.
Unlike cryptocurrency transfers, many fiat payment transfers are riddled with flaws and limitations that require Haveno to employ special measures to encourage fair and honest trades. One of these measures is lower per-trade limits, which are covered below. Another key measure is account signing.
1. Fiat payment methods
The payment methods vary in chargeback risk, regional availability, transaction size, fees, privacy, verifiability, and other characteristics. The top consideration for maintaining payment methods is chargeback risk.
We welcome suggestions for new payment methods on Haveno, especially for those that enable new markets. Documentation on the criteria and process for adding new payment methods is found here. Please also feel free to make suggestions by reaching out on haveno-core's Matrix group.
Below is a list of fiat payment methods Haveno currently supports.
Note
The maximum trade sizes listed below are not available for most newly-created payment accounts. Please refer to Account signing for details on how to enable larger trade sizes for your payment accounts.
1.1 Fiat payment methods
| Payment method | Region | Trading-period | Limit per trade | Notes |
|---|---|---|---|---|
| ACH | USA | 5 days | 12.00 XMR | |
| Advanced Cash | Global | 1 day | 96.00 XMR | Not available in the USA. |
| Alipay | CHINA | 1 day | 48.00 XMR | |
| Amazon eGift card | Global | 1 day | 12.00 XMR | Supported in USD, EUR, CAD, and a handful of other markets. |
| Australian PayID | AUSTRALIA | 1 day | 48.00 XMR | |
| Bizum | Spain | 1 day | 1k€ | |
| Capitual | Global (BRL, EUR, GBP, USD) | 1 day | 12.00 XMR | |
| CashApp | Global (GBP, USD) | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | |
| PayPal | Global | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | |
| Pay by Mail (Cash by mail) | Global | 8 days | 12.00 XMR | Please check the article and follow the instructions to avoid disputes. |
| Cash deposit | N/A | 4 days | 12.00 XMR | Ensure to follow Cash by Mail trade rules. |
| Domestic wire transfer | USA | 3 days | 12.00 XMR | |
| Face to Face (F2F) | Global | 4 days | 48.00 XMR | See article for special guidance on F2F transactions. |
| Faster Payments | UK | 1 day | 12.00 XMR | See article for recent changes to avoid issues. |
| HalCash | Spain | 1 day | 48.00 XMR | |
| IMPS | India | 1 day | Rs. 200k per tx | |
| Interac e-Transfer | Canada | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | Interac-e-Transfer Autodeposits are not supported. |
| Monese | Europe (GBP, EUR and RON) | 1 day | 12.00 XMR | |
| MoneyBeam (N26) | Europe | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | |
| MoneyGram | Global | 4 days | buy: 24.00 XMR / sell: 24.00 XMR | |
| National Bank Transfer | N/A | 4 days | buy: 3.00 XMR / sell: 12.00 XMR | |
| Nequi* | Colombia | 1 day | 7,000,000 COP | |
| NEFT* | India | 1 day | 12.00 XMR | |
| Paxum* | Global | 1 day | 12.00 XMR | |
| Paysera* | Global | 1 day | 12.00 XMR | |
| PayTM* | INDIA | 1 day | Rs. 5,000 | |
| Perfect Money* | Global | 1 day | 48.00 XMR | |
| Pix* | Brazil | 1 day | 12.00 XMR | |
| Popmoney | USA | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | |
| PromptPay* | Thailand | 1 day | 48.00 XMR | |
| Revolut | Global | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | See article for recent changes to avoid issues. |
| RTGS* | INDIA | 1 day | 12.00 XMR | |
| Satispay* | ITALY | 1 day | 12.00 XMR | |
| SEPA | Europe | 6 days | buy: 3.00 XMR / sell: 12.00 XMR | |
| SEPA Instant | Europe | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | |
| Skrill* | Global | Varies | 12.00 XMR | |
| Strike* | USA | 1 day | 12.00 XMR | |
| SWIFT* | Global | 7 days | 24.00 XMR | |
| Swish* | Sweden | 1 day | 48.00 XMR | |
| Tikkie* | Netherlands | 1 day | 750 € | |
| Transfer with Same Bank | N/A | 2 days | buy: 3.00 XMR / sell: 12.00 XMR | |
| Transfer from Specific Banks | N/A | 4 days | buy: 3.00 XMR / sell: 12.00 XMR | |
| TransferWise* | Global except USD trades | 4 days | 12.00 XMR | |
| TransferWise-USD* | Global for USD trades | 4 days | 12.00 XMR | |
| US Postal Money Order* | USA | 8 days | 12.00 XMR | Within USA, $1000 limit per transaction, up to $3000 per day without ID. |
| Uphold | Global | 1 day | buy: 3.00 XMR / sell: 12.00 XMR | |
| UPI* | INDIA | 1 day | Rs. 100,000 | |
| Verse* | Europe (EUR, SEK, HUF, DKK, PLN) | 1 day | 12.00 XMR | |
| WeChat Pay* | CHINA | 1 day | 48.00 XMR | |
| Western Union | Global | 4 days | 24.00 XMR | |
| Zelle | USA | 4 days | buy: 3.00 XMR / sell: 12.00 XMR | See this page to see if/how your bank works with Zelle (including sending limits). |
Note
- These payment methods do not need to be signed to attain buying limits higher than 3 XMR.
2. Altcoin payment methods
Haveno also supports a variety of cryptocurrencies for buying and selling Monero, like BTC, ETH, LTC, BCH. Because altcoin transfers are irreversible and relatively quick, altcoin trades can be up to 96 XMR in size right away (no need to wait for account aging or account signing).
| Payment Method | Trading Period | Trade limit |
|---|---|---|
| Altcoins | 1 Day | 96.00 XMR |
| Altcoins Instant | 1 Hour | 96.00 XMR |
- Altcoins Instant trades go by fast! Please remember to disable Instant offers in Portfolio > My Open Offers if you might not be around to settle an Instant trade.