0011231: wallet claims "fee" was being paid when wire transfer was simply less than amount specified in withdraw dialog - MantisBT

ID	Project	Category	View Status	Date Submitted	Last Update
0011231	Taler	wallet (all platforms)	public	2026-03-11 17:23	2026-05-29 21:37

Reporter	Stefan	Assigned To
Priority	normal	Severity	minor	Reproducibility	always
Status	confirmed	Resolution	open
Product Version	1.3
Target Version	1.8

Summary	0011231: wallet claims "fee" was being paid when wire transfer was simply less than amount specified in withdraw dialog
Description	A beta tester could replay (after some successful transfers) the following unsuccessful transactions: 1. Bank transfer with minimal amounts for verification of the bank account before a deposit could be effectuated (Taler Wallet -> bank account). The transfer of CHF 0.01 from the bank account takes the same amount of time as a transfer bank account -> Taler Wallet (which is to be expected). But the CHF 0.01 from the bank account did not arrive anywhere, neither in the Taler Wallet nor back in the user's bank account. This was tested with Alpian Bank and PostFinance. 2. The KYC process needed to be performed over and over again for every deposit Taler Wallet -> bank "I would expect to have to make exactly one transfer from a bank account to a wallet and then always be able to send money back. However, depending on the bank, it seems that KYC is required again when sending money back. It also seems that KYC expires after a few days and has to be done again." 3. Bank -> Taler Wallet with transfer amount too small, money arrives but flagged as "fee" "If you create a transfer in the Taler Wallet for, say, CHF 10.00, but the transfer from the bank is only for CHF 5.00, CHF 5.00 will arrive in the wallet and CHF 5.00 will be listed as a “fee.” Basically, this works OK, but the naming is a bit strange." 4. Bank -> Taler Wallet with transfer amount too high --> money gets lost?? "If you create a transfer in the Taler Wallet for CHF 10.00, for example, but the bank transfers CHF 15.00, CHF 10.00 will arrive in the wallet. The extra CHF 5.00 will remain missing and will not be transferred back."
Steps To Reproduce	After checking the Exchange's bank account for the "missing amounts", it is recommended to reproduce the same transactions with at leat PostFinance bank accounts.
Additional Information	The user has a Taler Wallet (Android 1.4.0) and is quite famliliar with Taler.
Tags	No tags attached.

Stefan 2026-04-04 08:49 developer ~0028375	For 1. --> https://bugs.gnunet.org/view.php?id=10463 already requires the wallet UI to make clear that KYC auth wire transfers are for authentication of the bank account and will not be treated as amount to be withdrawn. 2. and 4. should be treated with priority for v1.6, while 3. is awkward but no blocker. 4. (loss of wired money!) has to be tested again after bugfixing. I declare my availability for testing when it is about time to do so with HM.

Christian Grothoff 2026-05-29 21:36 manager ~0028738	1: duplicate. 2: it is per bank account and per wallet. That we cannot change. 4: it is not lost, it will be bounced. The problem is that the wallet currently does not actively close the reserve / give the user a choice of action. This is already 0009732. I guess #3 is the real 'bug' here, we should NOT show this as fee but as 'transfer amount was less'. Keeping it open as being about #3. @Stefan: please try to avoid filing duplicates and also file separate issues in the future.

Date Modified	Username	Field	Change
2026-03-11 17:23	Stefan	New Issue
2026-03-12 12:39	Florian Dold	Relationship added	related to 0011240
2026-03-12 22:23	Christian Grothoff	Assigned To	=> avalos
2026-03-12 22:23	Christian Grothoff	Status	new => assigned
2026-03-17 11:57	Christian Grothoff	Target Version	1.5 => 1.6
2026-04-04 08:49	Stefan	Note Added: 0028375
2026-05-29 21:36	Christian Grothoff	Note Added: 0028738
2026-05-29 21:36	Christian Grothoff	Summary	Merchant: Some beta-test cases need to be replayed to (maybe) reproduce money losses in relation to bank transfers => wallet claims "fee" was being paid when wire transfer was simply less than amount specified in withdraw dialog
2026-05-29 21:37	Christian Grothoff	Assigned To	avalos =>
2026-05-29 21:37	Christian Grothoff	Status	assigned => confirmed
2026-05-29 21:37	Christian Grothoff	Category	merchant backend => wallet (all platforms)
2026-05-29 21:37	Christian Grothoff	Target Version	1.6 => 1.8