Zelle payments take 3-4 business (not calendar) days to process...therefore


#1

Not a complaint, just an observation I think both buyer and seller need to be aware of before initiating dispute.

I made BtC purchase using Zelle, within 30 minutes after confirming trade and making BtC deposit.
Then I noticed that Bisq deadline for trade is 4 days (calendar days). However, Zelle takes 3-4 business days to process. Since I made purchase on Friday, funds will be available to seller on the following week on Wednesday; however deadline for Bisq will expire on Tuesday (one day before the seller receives money via Zelle).

I am hopeful that the seller will realize this and not initiate dispute unnecessarily.
:slight_smile:


#2

I am not that familiar with payment methods in general.

Maybe @Alfsbs can look into this to see if we need to extend the max trade period.


#3

Hello, Noah, did you finally have any problem with the order?


#4

The issues are US banks, not the app, so I retract previous suggestion. When I chose one US bank to pay with Zelle, the transaction cleared after 5 calendar days and only after the seller called his bank to “pull” the transaction.

After I switched to another bank, next time I used Zelle, the transaction cleared in about 20 minutes.


#5

This recently happened to me. The time seems to vary based on bank and trading partner. I think there are several variables so it depends on the buyer’s account, their zelle set up (app/native, etc) and if the bank is a zelle member bank or just participating in the program. I inquired with the buyer and they got the expected timing from their bank and passed it on to me so I knew that it would take longer.