Penalty is a percentage of the full trade amount, unless otherwise specified, and is taken from the security deposit. The penalty will be given as compensation to the trade peer who acted according to protocol.
Except for 100% penalties, actual penalty will be up to security deposit % when security deposit % is less than penalty %.
100% Fraud attempt: debiting of peer's account, code tampering.
25% Not responding to mediator within 48h.
20% Cancelling a trade.
20% Unnecessary delays. Buyer pays out of trading window, seller has no reason to delay releasing the BTC.
20% Not reporting technical issues causing disruptions. Issue must be reported opening early mediation with Ctrl+O or support channels at Keybase or Github and follow indications to solve and help investigate the issue.
20% Suggest different payment method - account without mediator's acknowledgement.
10% Requesting personal data: ID, home address, etc. (Bisq should incentivize accounts that do not ask for any more info than necessary)
100% Fraud attempts, chargeback attempts, future trading.
25% Bitcoin related payment references: BTC, Bisq, Bitcoin, etc.
25% Paying from an account with a different name. "Name Surname" instead of "Surname Name" and slight name variations are not a different name. Seller can cancel the trade.
15% Paying from an account with same name but different account number. Seller can cancel the trade.
10% Similar but wrong payment method. SWIFT instead of SEPA or SEPA instead of Wise etc.
10% Wrong payment amount. Buyer has the option to correct the amount within the trade window. Seller can cancel the trade.
10% Unagreed payment reference.
10% Paying late because of low fee for altcoin tx. Penalty will be reduced if, at mediation, buyer does RBF or similar.