I’ve bought some Bitcoin for fiat using SEPA bank transfer via Bisq.
The Bisq application now actively tells you to NOT put any identifier whatsoever in the “message/OCR field” when making the international bank transfer. It used to tell you to put in a random string of letters given by the Bisq application, to identify to the receiver who has paid.
But now, they only have the amount to go by. What if two people buy the same amount of Bitcoin from the same seller, and only one of them pays? How will they now determine who has paid and who did not?
Before you say “they look at the name”, at least my bank does never tell me the name of the person making a payment.